What changes on 08/04/2024
The text in force from 12/01/2016 compared with the text from 08/04/2024, which includes the changes made by Regulation (EU) 2024/886.
1 inserted
101 amended
0 deleted
0 moved
Read the act as of 08/04/2024 · other versions: 12/01/2016 · 17/01/2025
Title I
- amended Article 1 - Subject matter
- amended Article 2 - Scope
- amended Article 3 - Exclusions
- amended Article 4 - Definitions
Title II › Chapter 1 › Section 1
- amended Article 5 - Applications for authorisation
- amended Article 6 - Control of the shareholding
- amended Article 7 - Initial capital
- amended Article 8 - Own funds
- amended Article 9 - Calculation of own funds
- amended Article 10 - Safeguarding requirements
- amended Article 11 - Granting of authorisation
- amended Article 13 - Withdrawal of authorisation
- amended Article 14 - Registration in the home Member State
- amended Article 15 - EBA register
- amended Article 17 - Accounting and statutory audit
- amended Article 18 - Activities
Title II › Chapter 1 › Section 2
- amended Article 19 - Use of agents, branches or entities to which activities are outsourced
- amended Article 20 - Liability
Title II › Chapter 1 › Section 3
- amended Article 22 - Designation of competent authorities
- amended Article 23 - Supervision
- amended Article 24 - Professional secrecy
- amended Article 25 - Right to apply to the courts
- amended Article 26 - Exchange of information
- amended Article 27 - Settlement of disagreements between competent authorities of different Member States
- amended Article 28 - Application to exercise the right of establishment and freedom to provide services
- amended Article 29 - Supervision of payment institutions exercising the right of establishment and freedom to provide services
- amended Article 30 - Measures in case of non-compliance, including precautionary measures
- amended Article 31 - Reasons and communication
Title II › Chapter 1 › Section 4
Title II › Chapter 2
- inserted Article 35a - Conditions for requesting participation in designated payment systems
- amended Article 35 - Access to payment systems
- amended Article 37 - Prohibition of persons other than payment service providers from providing payment services and duty of notification
Title III › Chapter 1
- amended Article 38 - Scope
- amended Article 40 - Charges for information
- amended Article 42 - Derogation from information requirements for low-value payment instruments and electronic money
Title III › Chapter 2
- amended Article 43 - Scope
- amended Article 44 - Prior general information
- amended Article 45 - Information and conditions
- amended Article 46 - Information for the payer and payee after the initiation of a payment order
- amended Article 48 - Information for the payer after receipt of the payment order
- amended Article 49 - Information for the payee after execution
Title III › Chapter 3
- amended Article 51 - Prior general information
- amended Article 52 - Information and conditions
- amended Article 54 - Changes in conditions of the framework contract
- amended Article 55 - Termination
- amended Article 56 - Information before execution of individual payment transactions
- amended Article 57 - Information for the payer on individual payment transactions
- amended Article 58 - Information for the payee on individual payment transactions
Title III › Chapter 4
- amended Article 59 - Currency and currency conversion
- amended Article 60 - Information on additional charges or reductions
Title IV › Chapter 1
- amended Article 61 - Scope
- amended Article 62 - Charges applicable
- amended Article 63 - Derogation for low value payment instruments and electronic money
Title IV › Chapter 2
- amended Article 64 - Consent and withdrawal of consent
- amended Article 65 - Confirmation on the availability of funds
- amended Article 66 - Rules on access to payment account in the case of payment initiation services
- amended Article 67 - Rules on access to and use of payment account information in the case of account information services
- amended Article 68 - Limits of the use of the payment instrument and of the access to payment accounts by payment service providers
- amended Article 69 - Obligations of the payment service user in relation to payment instruments and personalised security credentials
- amended Article 70 - Obligations of the payment service provider in relation to payment instruments
- amended Article 71 - Notification and rectification of unauthorised or incorrectly executed payment transactions
- amended Article 72 - Evidence on authentication and execution of payment transactions
- amended Article 73 - Payment service provider’s liability for unauthorised payment transactions
- amended Article 74 - Payer’s liability for unauthorised payment transactions
- amended Article 75 - Payment transactions where the transaction amount is not known in advance
- amended Article 76 - Refunds for payment transactions initiated by or through a payee
- amended Article 77 - Requests for refunds for payment transactions initiated by or through a payee
Title IV › Chapter 3 › Section 1
- amended Article 78 - Receipt of payment orders
- amended Article 79 - Refusal of payment orders
- amended Article 80 - Irrevocability of a payment order
- amended Article 81 - Amounts transferred and amounts received
Title IV › Chapter 3 › Section 2
- amended Article 82 - Scope
- amended Article 83 - Payment transactions to a payment account
- amended Article 87 - Value date and availability of funds
Title IV › Chapter 3 › Section 3
- amended Article 88 - Incorrect unique identifiers
- amended Article 89 - Payment service providers’ liability for non-execution, defective or late execution of payment transactions
- amended Article 90 - Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions
- amended Article 92 - Right of recourse
Title IV › Chapter 4
- amended Article 94 - Data protection
Title IV › Chapter 5
- amended Article 95 - Management of operational and security risks
- amended Article 96 - Incident reporting
- amended Article 97 - Authentication
- amended Article 98 - Regulatory technical standards on authentication and communication
Title IV › Chapter 6 › Section 1
- amended Article 99 - Complaints
- amended Article 100 - Competent authorities
Title IV › Chapter 6 › Section 2
- amended Article 101 - Dispute resolution
- amended Article 102 - ADR procedures
- amended Article 103 - Penalties
Title V
- amended Article 104 - Delegated acts
- amended Article 105 - Exercise of the delegation
- amended Article 106 - Obligation to inform consumers of their rights
Title VI
- amended Article 107 - Full harmonisation
- amended Article 108 - Review clause
- amended Article 109 - Transitional provision
- amended Article 110 - Amendments to Directive 2002/65/EC
- amended Article 111 - Amendments to Directive 2009/110/EC
- amended Article 112 - Amendments to Regulation (EU) No 1093/2010
- amended Article 113 - Amendment to Directive 2013/36/EU
- amended Article 115 - Transposition
Outside any heading
- amended Annex I - PAYMENT SERVICES
- amended Annex II