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Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015
On payment services in the internal market,
amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance)Payment Services Directive – PSD II
- Recitals
TITLE I — SUBJECT MATTER, SCOPE AND DEFINITIONS- TITLE II — PAYMENT SERVICE PROVIDERS
- CHAPTER 1 — Payment institutions
- Section 1 — General rules
- Article 5 — Applications for authorisation
- Article 6 — Control of the shareholding
- Article 7 — Initial capital
- Article 8 — Own funds
- Article 9 — Calculation of own funds
- Article 10 — Safeguarding requirements
- Article 11 — Granting of authorisation
- Article 12 — Communication of the decision
- Article 13 — Withdrawal of authorisation
- Article 14 — Registration in the home Member State
- Article 15 — EBA register
- Article 16 — Maintenance of authorisation
- Article 17 — Accounting and statutory audit
- Article 18 — Activities
- Section 2 — Other requirements
- Section 3 — Competent authorities and supervision
- Article 22 — Designation of competent authorities
- Article 23 — Supervision
- Article 24 — Professional secrecy
- Article 25 — Right to apply to the courts
- Article 26 — Exchange of information
- Article 27 — Settlement of disagreements between competent authorities of different Member States
- Article 28 — Application to exercise the right of establishment and freedom to provide services
- Article 29 — Supervision of payment institutions exercising the right of establishment and freedom to provide services
- Article 30 — Measures in case of non-compliance, including precautionary measures
- Article 31 — Reasons and communication
- Section 4 — Exemption
- CHAPTER 2 — Common provisions
- TITLE III — TRANSPARENCY OF CONDITIONS AND INFORMATION REQUIREMENTS FOR PAYMENT SERVICES
- CHAPTER 1 — General rules
- CHAPTER 2 — Single payment transactions
- Article 43 — Scope
- Article 44 — Prior general information
- Article 45 — Information and conditions
- Article 46 — Information for the payer and payee after the initiation of a payment order
- Article 47 — Information for payer’s account servicing payment service provider in the event of a payment initiation service
- Article 48 — Information for the payer after receipt of the payment order
- Article 49 — Information for the payee after execution
- CHAPTER 3 — Framework contracts
- Article 50 — Scope
- Article 51 — Prior general information
- Article 52 — Information and conditions
- Article 53 — Accessibility of information and conditions of the framework contract
- Article 54 — Changes in conditions of the framework contract
- Article 55 — Termination
- Article 56 — Information before execution of individual payment transactions
- Article 57 — Information for the payer on individual payment transactions
- Article 58 — Information for the payee on individual payment transactions
- CHAPTER 4 — Common provisions
- TITLE IV — RIGHTS AND OBLIGATIONS IN RELATION TO THE PROVISION AND USE OF PAYMENT SERVICES
- CHAPTER 1 — Common provisions
- CHAPTER 2 — Authorisation of payment transactions
- Article 64 — Consent and withdrawal of consent
- Article 65 — Confirmation on the availability of funds
- Article 66 — Rules on access to payment account in the case of payment initiation services
- Article 67 — Rules on access to and use of payment account information in the case of account information services
- Article 68 — Limits of the use of the payment instrument and of the access to payment accounts by payment service providers
- Article 69 — Obligations of the payment service user in relation to payment instruments and personalised security credentials
- Article 70 — Obligations of the payment service provider in relation to payment instruments
- Article 71 — Notification and rectification of unauthorised or incorrectly executed payment transactions
- Article 72 — Evidence on authentication and execution of payment transactions
- Article 73 — Payment service provider’s liability for unauthorised payment transactions
- Article 74 — Payer’s liability for unauthorised payment transactions
- Article 75 — Payment transactions where the transaction amount is not known in advance
- Article 76 — Refunds for payment transactions initiated by or through a payee
- Article 77 — Requests for refunds for payment transactions initiated by or through a payee
- CHAPTER 3 — Execution of payment transactions
- Section 1 — Payment orders and amounts transferred
- Section 2 — Execution time and value date
- Section 3 — Liability
- Article 88 — Incorrect unique identifiers
- Article 89 — Payment service providers’ liability for non-execution, defective or late execution of payment transactions
- Article 90 — Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions
- Article 91 — Additional financial compensation
- Article 92 — Right of recourse
- Article 93 — Abnormal and unforeseeable circumstances
- CHAPTER 4 — Data protection
- CHAPTER 5 — Operational and security risks and authentication
- CHAPTER 6 — ADR procedures for the settlement of disputes
- TITLE V — DELEGATED ACTS AND REGULATORY TECHNICAL STANDARDS
- TITLE VI — FINAL PROVISIONS
- Article 107 — Full harmonisation
- Article 108 — Review clause
- Article 109 — Transitional provision
- Article 110 — Amendments to Directive 2002/65/EC
- Article 111 — Amendments to Directive 2009/110/EC
- Article 112 — Amendments to Regulation (EU) No 1093/2010
- Article 113 — Amendment to Directive 2013/36/EU
- Article 114 — Repeal
- Article 115 — Transposition
- Article 116 — Entry into force
- Article 117 — Addresses
- ANNEX I — PAYMENT SERVICES
- ANNEX II