What changes on 23/12/2015
The text in force from 07/05/2004 compared with the text from 23/12/2015.
233 inserted
0 amended
0 deleted
0 moved
Read the act as of 23/12/2015 · other versions: 12/01/2016 · 08/04/2024 · 17/01/2025
Title I
- inserted Article 1 - Subject matter
- inserted Article 2 - Scope
- inserted Article 3 - Exclusions
- inserted Article 4 - Definitions
Title II › Chapter 1 › Section 1
- inserted Article 5 - Applications for authorisation
- inserted Article 6 - Control of the shareholding
- inserted Article 7 - Initial capital
- inserted Article 8 - Own funds
- inserted Article 9 - Calculation of own funds
- inserted Article 10 - Safeguarding requirements
- inserted Article 11 - Granting of authorisation
- inserted Article 12 - Communication of the decision
- inserted Article 13 - Withdrawal of authorisation
- inserted Article 14 - Registration in the home Member State
- inserted Article 15 - EBA register
- inserted Article 16 - Maintenance of authorisation
- inserted Article 17 - Accounting and statutory audit
- inserted Article 18 - Activities
Title II › Chapter 1 › Section 2
- inserted Article 19 - Use of agents, branches or entities to which activities are outsourced
- inserted Article 20 - Liability
- inserted Article 21 - Record-keeping
Title II › Chapter 1 › Section 3
- inserted Article 22 - Designation of competent authorities
- inserted Article 23 - Supervision
- inserted Article 24 - Professional secrecy
- inserted Article 25 - Right to apply to the courts
- inserted Article 26 - Exchange of information
- inserted Article 27 - Settlement of disagreements between competent authorities of different Member States
- inserted Article 28 - Application to exercise the right of establishment and freedom to provide services
- inserted Article 29 - Supervision of payment institutions exercising the right of establishment and freedom to provide services
- inserted Article 30 - Measures in case of non-compliance, including precautionary measures
- inserted Article 31 - Reasons and communication
Title II › Chapter 1 › Section 4
- inserted Article 32 - Conditions
- inserted Article 33 - Account information service providers
- inserted Article 34 - Notification and information
Title II › Chapter 2
- inserted Article 35 - Access to payment systems
- inserted Article 36 - Access to accounts maintained with a credit institution
- inserted Article 37 - Prohibition of persons other than payment service providers from providing payment services and duty of notification
Title III › Chapter 1
- inserted Article 38 - Scope
- inserted Article 39 - Other provisions in Union law
- inserted Article 40 - Charges for information
- inserted Article 41 - Burden of proof on information requirements
- inserted Article 42 - Derogation from information requirements for low-value payment instruments and electronic money
Title III › Chapter 2
- inserted Article 43 - Scope
- inserted Article 44 - Prior general information
- inserted Article 45 - Information and conditions
- inserted Article 46 - Information for the payer and payee after the initiation of a payment order
- inserted Article 47 - Information for payer’s account servicing payment service provider in the event of a payment initiation service
- inserted Article 48 - Information for the payer after receipt of the payment order
- inserted Article 49 - Information for the payee after execution
Title III › Chapter 3
- inserted Article 50 - Scope
- inserted Article 51 - Prior general information
- inserted Article 52 - Information and conditions
- inserted Article 53 - Accessibility of information and conditions of the framework contract
- inserted Article 54 - Changes in conditions of the framework contract
- inserted Article 55 - Termination
- inserted Article 56 - Information before execution of individual payment transactions
- inserted Article 57 - Information for the payer on individual payment transactions
- inserted Article 58 - Information for the payee on individual payment transactions
Title III › Chapter 4
- inserted Article 59 - Currency and currency conversion
- inserted Article 60 - Information on additional charges or reductions
Title IV › Chapter 1
- inserted Article 61 - Scope
- inserted Article 62 - Charges applicable
- inserted Article 63 - Derogation for low value payment instruments and electronic money
Title IV › Chapter 2
- inserted Article 64 - Consent and withdrawal of consent
- inserted Article 65 - Confirmation on the availability of funds
- inserted Article 66 - Rules on access to payment account in the case of payment initiation services
- inserted Article 67 - Rules on access to and use of payment account information in the case of account information services
- inserted Article 68 - Limits of the use of the payment instrument and of the access to payment accounts by payment service providers
- inserted Article 69 - Obligations of the payment service user in relation to payment instruments and personalised security credentials
- inserted Article 70 - Obligations of the payment service provider in relation to payment instruments
- inserted Article 71 - Notification and rectification of unauthorised or incorrectly executed payment transactions
- inserted Article 72 - Evidence on authentication and execution of payment transactions
- inserted Article 73 - Payment service provider’s liability for unauthorised payment transactions
- inserted Article 74 - Payer’s liability for unauthorised payment transactions
- inserted Article 75 - Payment transactions where the transaction amount is not known in advance
- inserted Article 76 - Refunds for payment transactions initiated by or through a payee
- inserted Article 77 - Requests for refunds for payment transactions initiated by or through a payee
Title IV › Chapter 3 › Section 1
- inserted Article 78 - Receipt of payment orders
- inserted Article 79 - Refusal of payment orders
- inserted Article 80 - Irrevocability of a payment order
- inserted Article 81 - Amounts transferred and amounts received
Title IV › Chapter 3 › Section 2
- inserted Article 82 - Scope
- inserted Article 83 - Payment transactions to a payment account
- inserted Article 84 - Absence of payee’s payment account with the payment service provider
- inserted Article 85 - Cash placed on a payment account
- inserted Article 86 - National payment transactions
- inserted Article 87 - Value date and availability of funds
Title IV › Chapter 3 › Section 3
- inserted Article 88 - Incorrect unique identifiers
- inserted Article 89 - Payment service providers’ liability for non-execution, defective or late execution of payment transactions
- inserted Article 90 - Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions
- inserted Article 91 - Additional financial compensation
- inserted Article 92 - Right of recourse
- inserted Article 93 - Abnormal and unforeseeable circumstances
Title IV › Chapter 4
- inserted Article 94 - Data protection
Title IV › Chapter 5
- inserted Article 95 - Management of operational and security risks
- inserted Article 96 - Incident reporting
- inserted Article 97 - Authentication
- inserted Article 98 - Regulatory technical standards on authentication and communication
Title IV › Chapter 6 › Section 1
- inserted Article 99 - Complaints
- inserted Article 100 - Competent authorities
Title IV › Chapter 6 › Section 2
- inserted Article 101 - Dispute resolution
- inserted Article 102 - ADR procedures
- inserted Article 103 - Penalties
Title V
- inserted Article 104 - Delegated acts
- inserted Article 105 - Exercise of the delegation
- inserted Article 106 - Obligation to inform consumers of their rights
Title VI
- inserted Article 107 - Full harmonisation
- inserted Article 108 - Review clause
- inserted Article 109 - Transitional provision
- inserted Article 110 - Amendments to Directive 2002/65/EC
- inserted Article 111 - Amendments to Directive 2009/110/EC
- inserted Article 112 - Amendments to Regulation (EU) No 1093/2010
- inserted Article 113 - Amendment to Directive 2013/36/EU
- inserted Article 114 - Repeal
- inserted Article 115 - Transposition
- inserted Article 116 - Entry into force
- inserted Article 117 - Addresses
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 Recital 64
- inserted Recital 65
- inserted Recital 66
- inserted Recital 67
- inserted Recital 68
- inserted Recital 69
- inserted Recital 70
- inserted Recital 71
- inserted Recital 72
- inserted Recital 73
- inserted Recital 74
- inserted Recital 75
- inserted Recital 76
- inserted Recital 77
- inserted Recital 78
- inserted Recital 79
- inserted Recital 80
- inserted Recital 81
- inserted Recital 82
- inserted Recital 83
- inserted Recital 84
- inserted Recital 85
- inserted Recital 86
- inserted Recital 87
- inserted Recital 88
- inserted Recital 89
- inserted Recital 90
- inserted Recital 91
- inserted Recital 92
- inserted Recital 93
- inserted Recital 94
- inserted Recital 95
- inserted Recital 96
- inserted Recital 97
- inserted Recital 98
- inserted Recital 99
- inserted Recital 100
- inserted Recital 101
- inserted Recital 102
- inserted Recital 103
- inserted Recital 104
- inserted Recital 105
- inserted Recital 106
- inserted Recital 107
- inserted Recital 108
- inserted Recital 109
- inserted Recital 110
- inserted Recital 111
- inserted Recital 112
- inserted Recital 113
- inserted Preamble
- inserted Annex I - PAYMENT SERVICES
- inserted Annex II