DNB's oversight framework and interpretation for operational availability and resilience of Dutch payment services, explicitly including iDEAL. Its scope covers availability, resilience and operational risk for high-volume Dutch payment services including iDEAL.

The main requirements are to maintain availability, resilience, operational-risk controls and evidence for DNB oversight.

Operational resilience focuses on the continued delivery of important services through disruption. Technology availability is one input, alongside people, processes, data, facilities and third parties. Mapping those dependencies exposes situations in which an apparently healthy component still cannot deliver the end-to-end service that customers or other institutions rely on.

Risk management seeks to prevent failures; continuity and recovery planning deal with failures that still occur. Scenario testing examines whether those arrangements work under severe but plausible conditions, including the loss of an important supplier or a shared dependency. Recovery objectives, communication and decision-making responsibilities need to be connected to the affected service rather than considered only as technical system settings.

For payment activity, disruption can affect initiation, authentication, processing, settlement support and access to funds in different ways. Evidence from incidents and tests helps identify weaknesses and track remediation. The instrument's scope determines which institutions or infrastructures are covered and how its governance, reporting and assurance expectations interact with other financial-sector rules.