What changes on 25/12/2007
The text in force from 18/05/2004 compared with the text from 25/12/2007.
161 inserted
0 amended
0 deleted
0 moved
Read the act as of 25/12/2007 · other versions: 07/12/2009
Title I
- inserted Article 1 - Subject matter
- inserted Article 2 - Scope
- inserted Article 3 - Negative scope
- inserted Article 4 - Definitions
Title II › Chapter 1 › Section 1
- inserted Article 5 - Applications for authorisation
- inserted Article 6 - Initial capital
- inserted Article 7 - Own funds
- inserted Article 8 - Calculation of own funds
- inserted Article 9 - Safeguarding requirements
- inserted Article 10 - Granting of authorisation
- inserted Article 11 - Communication of the decision
- inserted Article 12 - Withdrawal of authorisation
- inserted Article 13 - Registration
- inserted Article 14 - Maintenance of authorisation
- inserted Article 15 - Accounting and statutory audit
- inserted Article 16 - Activities
Title II › Chapter 1 › Section 2
- inserted Article 17 - Use of agents, branches or entities to which activities are outsourced
- inserted Article 18 - Liability
- inserted Article 19 - Record-keeping
Title II › Chapter 1 › Section 3
- inserted Article 20 - Designation of competent authorities
- inserted Article 21 - Supervision
- inserted Article 22 - Professional secrecy
- inserted Article 23 - Right to apply to the courts
- inserted Article 24 - Exchange of information
- inserted Article 25 - Exercise of the right of establishment and freedom to provide services
Title II › Chapter 1 › Section 4
- inserted Article 26 - Conditions
- inserted Article 27 - Notification and information
Title II › Chapter 2
- inserted Article 28 - Access to payment systems
- inserted Article 29 - Prohibition for persons other than payment service providers to provide payment services
Title III › Chapter 1
- inserted Article 30 - Scope
- inserted Article 31 - Other provisions in Community legislation
- inserted Article 32 - Charges for information
- inserted Article 33 - Burden of proof on information requirements
- inserted Article 34 - Derogation from information requirements for low-value payment instruments and electronic money
Title III › Chapter 2
- inserted Article 35 - Scope
- inserted Article 36 - Prior general information
- inserted Article 37 - Information and conditions
- inserted Article 38 - Information for the payer after receipt of the payment order
- inserted Article 39 - Information for the payee after execution
Title III › Chapter 3
- inserted Article 40 - Scope
- inserted Article 41 - Prior general information
- inserted Article 42 - Information and conditions
- inserted Article 43 - Accessibility of information and conditions of the framework contract
- inserted Article 44 - Changes in conditions of the framework contract
- inserted Article 45 - Termination
- inserted Article 46 - Information before execution of individual payment transactions
- inserted Article 47 - Information for the payer on individual payment transactions
- inserted Article 48 - Information for the payee on individual payment transactions
Title III › Chapter 4
- inserted Article 49 - Currency and currency conversion
- inserted Article 50 - Information on additional charges or reductions
Title IV › Chapter 1
- inserted Article 51 - Scope
- inserted Article 52 - Charges applicable
- inserted Article 53 - Derogation for low value payment instruments and electronic money
Title IV › Chapter 2
- inserted Article 54 - Consent and withdrawal of consent
- inserted Article 55 - Limits of the use of the payment instrument
- inserted Article 56 - Obligations of the payment service user in relation to payment instruments
- inserted Article 57 - Obligations of the payment service provider in relation to payment instruments
- inserted Article 58 - Notification of unauthorised or incorrectly executed payment transactions
- inserted Article 59 - Evidence on authentication and execution of payment transactions
- inserted Article 60 - Payment service provider's liability for unauthorised payment transactions
- inserted Article 61 - Payer's liability for unauthorised payment transactions
- inserted Article 62 - Refunds for payment transactions initiated by or through a payee
- inserted Article 63 - Requests for refunds for payment transactions initiated by or through a payee
Title IV › Chapter 3 › Section 1
- inserted Article 64 - Receipt of payment orders
- inserted Article 65 - Refusal of payment orders
- inserted Article 66 - Irrevocability of a payment order
- inserted Article 67 - Amounts transferred and amounts received
Title IV › Chapter 3 › Section 2
- inserted Article 68 - Scope
- inserted Article 69 - Payment transactions to a payment account
- inserted Article 70 - Absence of payee's payment account with the payment service provider
- inserted Article 71 - Cash placed on a payment account
- inserted Article 72 - National payment transactions
- inserted Article 73 - Value date and availability of funds
Title IV › Chapter 3 › Section 3
- inserted Article 74 - Incorrect unique identifiers
- inserted Article 75 - Non-execution or defective execution
- inserted Article 76 - Additional financial compensation
- inserted Article 77 - Right of recourse
- inserted Article 78 - No liability
Title IV › Chapter 4
- inserted Article 79 - Data protection
Title IV › Chapter 5 › Section 1
- inserted Article 80 - Complaints
- inserted Article 81 - Penalties
- inserted Article 82 - Competent authorities
Title IV › Chapter 5 › Section 2
- inserted Article 83 - Out-of-court redress
Title V
- inserted Article 84 - Implementing measures
- inserted Article 85 - Committee
Title VI
- inserted Article 86 - Full harmonisation
- inserted Article 87 - Review
- inserted Article 88 - Transitional provision
- inserted Article 89 - Amendment of Directive 97/7/EC
- inserted Article 90 - Amendments of Directive 2002/65/EC
- inserted Article 91 - Amendments of Directive 2005/60/EC
- inserted Article 92 - Amendments of Directive 2006/48/EC
- inserted Article 93 - Repeal
- inserted Article 94 - Transposition
- inserted Article 95 - Entry into force
- inserted Article 96 - Addressees
Outside any heading
- inserted Recital 1
- inserted Recital 2
- inserted Recital 3
- inserted Recital 4
- inserted Recital 5
- inserted Recital 6
- inserted Recital 7
- inserted Recital 8
- inserted Recital 9
- inserted Recital 10
- inserted Recital 11
- inserted Recital 12
- inserted Recital 13
- inserted Recital 14
- inserted Recital 15
- inserted Recital 16
- inserted Recital 17
- inserted Recital 18
- inserted Recital 19
- inserted Recital 20
- inserted Recital 21
- inserted Recital 22
- inserted Recital 23
- inserted Recital 24
- inserted Recital 25
- inserted Recital 26
- inserted Recital 27
- inserted Recital 28
- inserted Recital 29
- inserted Recital 30
- inserted Recital 31
- inserted Recital 32
- inserted Recital 33
- inserted Recital 34
- inserted Recital 35
- inserted Recital 36
- inserted Recital 37
- inserted Recital 38
- inserted Recital 39
- inserted Recital 40
- inserted Recital 41
- inserted Recital 42
- inserted Recital 43
- inserted Recital 44
- inserted Recital 45
- inserted Recital 46
- inserted Recital 47
- inserted Recital 48
- inserted Recital 49
- inserted Recital 50
- inserted Recital 51
- inserted Recital 52
- inserted Recital 53
- inserted Recital 54
- inserted Recital 55
- inserted Recital 56
- inserted Recital 57
- inserted Recital 58
- inserted Recital 59
- inserted Recital 60
- inserted Recital 61
- inserted Recital 62
- inserted Recital 63
- inserted Preamble
- inserted Annex 1 - PAYMENT SERVICES (DEFINITION 3 IN ARTICLE 4)