# Instrument Metadata # Output tuned for LLM consumption -- deterministic parse of the # EUR-Lex source, no LLM involved in generation. instrument_id: psd celex: "32007L0064" eli: "http://data.europa.eu/eli/dir/2007/64/oj" full_title: First Payment Services Directive 2007/64/EC short_title: PSD instrument_type: directive document_type: directive normative_weight: non_binding jurisdiction: EU effective_period: from: "2007-12-25" to: "2018-01-13" dates: adopted: "2007-11-13" entered_into_force: "2007-12-25" status: repealed structure_levels: - title - chapter - article total_articles: 96 total_recitals: 63 definitions_article: 4 chunk_strategy: by_chapter chunks: - /psd/chunks/recitals.md - /psd/chunks/psd_t01_subject_matter_scope_and_definitions.md - /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md - /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md - /psd/chunks/psd_t02_ch02_common_provisions.md - /psd/chunks/psd_t03_ch01_general_rules.md - /psd/chunks/psd_t03_ch02_single_payment_transactions.md - /psd/chunks/psd_t03_ch03_framework_contracts.md - /psd/chunks/psd_t03_ch04_common_provisions.md - /psd/chunks/psd_t04_ch01_common_provisions.md - /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md - /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md - /psd/chunks/psd_t04_ch04_data_protection.md - /psd/chunks/psd_t04_ch05_out_of_court_complaint_and_redress_proce.md - /psd/chunks/psd_t05_implementing_measures_and_payments_commi.md - /psd/chunks/psd_t06_final_provisions.md generated_at: "2026-05-01T17:48:57.986Z" articles: - article_number: 1 article_title: Subject matter chunk_file: /psd/chunks/psd_t01_subject_matter_scope_and_definitions.md path: "Title I > Article 1" applies_to_entities: - payment_service_providers - payment_institutions - credit_institutions - member_states - european_central_bank - consumers topics: - payments - payment_services - scope - general_provisions - definitions keywords: - electronic money - POS - payment service - payment institution - payment service provider - payment service user contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 4 paragraph: "1" - target: Article 1 paragraph: "3" external_references: - instrument_type: directive reference: "2000/46/EC" recitals: - 9 - article_number: 2 article_title: Scope chunk_file: /psd/chunks/psd_t01_subject_matter_scope_and_definitions.md path: "Title I > Article 2" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - scope - general_provisions - definitions keywords: - payee - payer - transaction - payment service - payment transaction - payment service provider contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 73 external_references: [] recitals: [] - article_number: 3 article_title: Negative scope chunk_file: /psd/chunks/psd_t01_subject_matter_scope_and_definitions.md path: "Title I > Article 3" applies_to_entities: - payment_service_providers - credit_institutions - member_states - consumers - technical_service_providers topics: - payments - payment_services - scope - general_provisions - definitions - authorisation - investment_funds keywords: - authentication - payee - payer - transaction - transfer - card - terminal - POS - data - privacy - agent - branch - settlement - clearing - system - network - ITS - payment service - payment transaction - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 28 external_references: [] recitals: - 16 - article_number: 4 article_title: Definitions chunk_file: /psd/chunks/psd_t01_subject_matter_scope_and_definitions.md path: "Title I > Article 4" applies_to_entities: - payment_service_providers - payment_institutions - member_states - consumers - payment_systems topics: - payments - payment_services - scope - general_provisions - definitions - authorisation - payment_systems keywords: - authentication - authorisation - consumer - payee - payer - transaction - transfer - direct debit - electronic money - POS - security - access - consent - agent - branch - settlement - clearing - system - ITS - home member state contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 10 - target: Article 1 paragraph: "1" - target: Article 26 - target: Article 1 paragraph: "3" - target: Article 1 - target: Article 2 paragraph: "1" - target: Article 2 paragraph: "3" external_references: - instrument_type: directive reference: "2000/46/EC" recitals: [] - article_number: 5 article_title: Applications for authorisation chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 5" applies_to_entities: - payment_institutions - member_states - competent_authorities - consumers - payment_systems topics: - payments - payment_services - authorisation - outsourcing - payment_systems - aml - funds_transfer - internal_control keywords: - API - liability - authorisation - payer - transfer - POS - outsourcing - agent - branch - system - ITS - home member state - payment service - payment institution - payment system - payment service user - funds contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 6 - target: Article 9 paragraph: "1" - target: Article 9 external_references: - instrument_type: directive reference: "2005/60/EC" - instrument_type: regulation reference: "1781/2006" - instrument_type: directive reference: "2006/43/EC" recitals: - 51 - 60 - article_number: 6 article_title: Initial capital chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 6" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services - authorisation keywords: - API - authorisation - ITS - payment service - payment institution contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 7 article_title: Own funds chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 7" applies_to_entities: - payment_institutions - credit_institutions - member_states - competent_authorities topics: - payments - payment_services - supervision - own_funds - insurance keywords: - supervision - payment service - payment institution - funds - group contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 57 - target: Article 58 - target: Article 59 - target: Article 60 - target: Article 61 - target: Article 6 - target: Article 8 external_references: [] recitals: [] - article_number: 8 article_title: Calculation of own funds chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 8" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - outsourcing - own_funds - internal_control keywords: - SCA - API - supervision - transaction - POS - data - outsourcing - ITS - payment service - payment institution - payment transaction - funds contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 6 external_references: [] recitals: - 16 - article_number: 9 article_title: Safeguarding requirements chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 9" applies_to_entities: - payment_service_providers - payment_institutions - credit_institutions - member_states - competent_authorities - consumers topics: - payments - payment_services - competent_authorities keywords: - payee - transaction - transfer - SEPA - POS - data - ITS - home member state - payment service - payment institution - payment transaction - payment service provider - payment service user - funds - business day - group contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 16 paragraph: "1" external_references: [] recitals: [] - article_number: 10 article_title: Granting of authorisation chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 10" applies_to_entities: - payment_institutions - credit_institutions - member_states - competent_authorities topics: - payments - payment_services - authorisation - competent_authorities - internal_control - passporting keywords: - SCA - authorisation - SEPA - POS - ITS - home member state - payment service - payment institution contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 1 paragraph: "1" - target: Article 26 - target: Article 5 external_references: [] recitals: [] - article_number: 11 article_title: Communication of the decision chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 11" applies_to_entities: - competent_authorities topics: - payments - payment_services - authorisation - competent_authorities keywords: - authorisation contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 12 article_title: Withdrawal of authorisation chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 12" applies_to_entities: - payment_institutions - member_states - competent_authorities - payment_systems topics: - payments - payment_services - authorisation - payment_systems keywords: - authorisation - system - ITS - payment service - payment institution - payment system contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 13 article_title: Registration chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 13" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services - authorisation keywords: - SEPA - access - agent - branch - home member state - payment service - payment institution contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 26 - target: Article 2 paragraph: "3" external_references: [] recitals: [] - article_number: 14 article_title: Maintenance of authorisation chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 14" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - authorisation keywords: - authorisation - ITS - home member state - payment institution contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 5 external_references: [] recitals: [] - article_number: 15 article_title: Accounting and statutory audit chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 15" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services - audit keywords: - SEPA - POS - payment service - payment institution contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 16 paragraph: "1" external_references: - instrument_type: regulation reference: "1606/2002" - instrument_type: directive reference: "2006/43/EC" recitals: [] - article_number: 16 article_title: Activities chunk_file: /psd/chunks/psd_t02_ch01_p1_payment_institutions_part_1.md path: "Title II > Chapter 1 > Article 16" applies_to_entities: - payment_institutions - competent_authorities - consumers - payment_systems topics: - payments - payment_services - own_funds keywords: - consumer - transaction - electronic money - card - POS - data - system - ITS - payment service - payment institution - payment transaction - payment system - payment service user - payment account - funds contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 28 - target: Article 10 paragraph: "9" - target: Article 25 external_references: - instrument_type: directive reference: "2000/46/EC" recitals: [] - article_number: 17 article_title: "Use of agents, branches or entities to which activities are outsourced" chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 17" applies_to_entities: - payment_institutions - member_states - competent_authorities - consumers topics: - payments - payment_services - authorisation - outsourcing - aml - fit_and_proper - internal_control keywords: - authorisation - POS - outsourcing - agent - branch - ITS - home member state - host member state - payment service - payment institution - payment service user contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 13 - target: Article 25 external_references: - instrument_type: directive reference: "2005/60/EC" recitals: [] - article_number: 18 article_title: Liability chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 18" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services - liability - outsourcing keywords: - liability - agent - branch - payment institution contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 19 article_title: Record-keeping chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 19" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services keywords: - POS - payment institution contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2005/60/EC" recitals: [] - article_number: 20 article_title: Designation of competent authorities chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 20" applies_to_entities: - payment_institutions - credit_institutions - member_states - competent_authorities - european_commission topics: - payments - payment_services - authorisation - competent_authorities - conflicts_of_interest keywords: - authorisation - supervision - electronic money - POS - ITS - home member state - payment service - payment institution contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 16 paragraph: "1" external_references: [] recitals: [] - article_number: 21 article_title: Supervision chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 21" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - authorisation - outsourcing - competent_authorities keywords: - API - authorisation - supervision - POS - agent - branch - guidelines - payment service - payment institution contains: obligations: true prohibitions: false permissions: true definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 12 - target: Article 6 - target: Article 7 paragraph: "1" - target: Article 7 paragraph: "2" - target: Article 8 external_references: [] recitals: [] - article_number: 22 article_title: Professional secrecy chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 22" applies_to_entities: - member_states - competent_authorities topics: - payments - payment_services keywords: - RTS contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 24 - target: Article 44 - target: Article 45 - target: Article 46 - target: Article 47 - target: Article 48 - target: Article 49 - target: Article 50 - target: Article 51 external_references: [] recitals: - 16 - article_number: 23 article_title: Right to apply to the courts chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 23" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services keywords: - RTS - payment institution contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 24 article_title: Exchange of information chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 24" applies_to_entities: - payment_service_providers - payment_institutions - credit_institutions - member_states - competent_authorities - european_central_bank topics: - payments - payment_services - authorisation - data_protection - aml keywords: - authorisation - supervision - data - settlement - system - payment service - payment institution - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "95/46/EC" - instrument_type: directive reference: "2005/60/EC" recitals: [] - article_number: 25 article_title: Exercise of the right of establishment and freedom to provide services chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 25" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - authorisation - outsourcing - competent_authorities - enforcement - passporting keywords: - agent - branch - ITS - home member state - host member state - payment service - payment institution contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 21 external_references: - instrument_type: directive reference: "2005/60/EC" - instrument_type: regulation reference: "1781/2006" recitals: [] - article_number: 26 article_title: Conditions chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 26" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - authorisation - aml keywords: - authorisation - transaction - agent - ITS - payment institution - payment transaction contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 13 - target: Article 20 - target: Article 22 - target: Article 23 - target: Article 24 - target: Article 10 paragraph: "9" - target: Article 25 - target: Article 16 - target: Article 10 external_references: - instrument_type: directive reference: "2005/60/EC" recitals: [] - article_number: 27 article_title: Notification and information chunk_file: /psd/chunks/psd_t02_ch01_p2_payment_institutions_part_2.md path: "Title II > Chapter 1 > Article 27" applies_to_entities: - member_states - european_commission topics: - payments - payment_services keywords: - transaction - ITS - notification - payment transaction contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 26 - target: Article 26 paragraph: "1" external_references: [] recitals: [] - article_number: 28 article_title: Access to payment systems chunk_file: /psd/chunks/psd_t02_ch02_common_provisions.md path: "Title II > Chapter 2 > Article 28" applies_to_entities: - payment_service_providers - member_states - consumers - payment_systems topics: - payments - payment_services - general_provisions - authorisation - payment_systems keywords: - API - license - payee - payer - POS - access - settlement - system - payment service - payment system - payment service provider - payment service user - group contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "98/26/EC" recitals: [] - article_number: 29 article_title: Prohibition for persons other than payment service providers to provide payment services chunk_file: /psd/chunks/psd_t02_ch02_common_provisions.md path: "Title II > Chapter 2 > Article 29" applies_to_entities: - payment_service_providers - member_states topics: - payments - payment_services - general_provisions keywords: - payment service - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 30 article_title: Scope chunk_file: /psd/chunks/psd_t03_ch01_general_rules.md path: "Title III > Chapter 1 > Article 30" applies_to_entities: - member_states - consumers topics: - payments - payment_services - general_provisions - information_requirements keywords: - consumer - transaction - payment service - payment transaction - payment service user - framework contract contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 31 article_title: Other provisions in Community legislation chunk_file: /psd/chunks/psd_t03_ch01_general_rules.md path: "Title III > Chapter 1 > Article 31" applies_to_entities: [] topics: - payments - payment_services - general_provisions - information_requirements keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 3 paragraph: "1" - target: Article 36 - target: Article 37 - target: Article 41 - target: Article 42 external_references: - instrument_type: directive reference: "2002/65/EC" recitals: [] - article_number: 32 article_title: Charges for information chunk_file: /psd/chunks/psd_t03_ch01_general_rules.md path: "Title III > Chapter 1 > Article 32" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - general_provisions - information_requirements keywords: - POS - payment service - payment service provider - payment service user - framework contract contains: obligations: true prohibitions: true permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 33 article_title: Burden of proof on information requirements chunk_file: /psd/chunks/psd_t03_ch01_general_rules.md path: "Title III > Chapter 1 > Article 33" applies_to_entities: - payment_service_providers - member_states topics: - payments - payment_services - general_provisions - information_requirements keywords: - payment service - payment service provider contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 34 article_title: Derogation from information requirements for low-value payment instruments and electronic money chunk_file: /psd/chunks/psd_t03_ch01_general_rules.md path: "Title III > Chapter 1 > Article 34" applies_to_entities: - payment_service_providers - member_states - competent_authorities - consumers topics: - payments - payment_services - general_provisions - information_requirements - liability keywords: - liability - payee - payer - transaction - electronic money - POS - access - payment service - payment transaction - payment service provider - payment service user - framework contract - funds - payment instrument contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 41 - target: Article 42 - target: Article 46 - target: Article 44 - target: Article 41 paragraph: "1" - target: Article 47 - target: Article 48 external_references: [] recitals: [] - article_number: 35 article_title: Scope chunk_file: /psd/chunks/psd_t03_ch02_single_payment_transactions.md path: "Title III > Chapter 2 > Article 35" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - single_payment_transactions - information_requirements keywords: - transaction - payment service - payment transaction - payment service provider - payment service user - framework contract - payment order - payment instrument contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 36 article_title: Prior general information chunk_file: /psd/chunks/psd_t03_ch02_single_payment_transactions.md path: "Title III > Chapter 2 > Article 36" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - single_payment_transactions - information_requirements keywords: - transaction - access - ITS - payment service - payment transaction - payment service provider - payment service user - payment order - durable medium contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 37 external_references: [] recitals: [] - article_number: 37 article_title: Information and conditions chunk_file: /psd/chunks/psd_t03_ch02_single_payment_transactions.md path: "Title III > Chapter 2 > Article 37" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - single_payment_transactions - information_requirements keywords: - transaction - access - payment service - payment transaction - payment service provider - payment service user - payment order - reference exchange rate - unique identifier contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 42 external_references: [] recitals: [] - article_number: 38 article_title: Information for the payer after receipt of the payment order chunk_file: /psd/chunks/psd_t03_ch02_single_payment_transactions.md path: "Title III > Chapter 2 > Article 38" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - single_payment_transactions - information_requirements keywords: - payee - payer - transaction - payment service - payment transaction - payment service provider - payment order contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 36 paragraph: "1" - target: Article 37 paragraph: "1" external_references: [] recitals: [] - article_number: 39 article_title: Information for the payee after execution chunk_file: /psd/chunks/psd_t03_ch02_single_payment_transactions.md path: "Title III > Chapter 2 > Article 39" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - single_payment_transactions - information_requirements keywords: - payee - payer - transaction - transfer - POS - payment service - payment transaction - payment service provider - funds - value date contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 36 paragraph: "1" external_references: [] recitals: [] - article_number: 40 article_title: Scope chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 40" applies_to_entities: [] topics: - payments - payment_services - framework_contracts - information_requirements keywords: - transaction - payment transaction - framework contract contains: obligations: false prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 41 article_title: Prior general information chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 41" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - framework_contracts - information_requirements keywords: - ITS - payment service - payment service provider - payment service user - framework contract - durable medium contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 42 external_references: [] recitals: [] - article_number: 42 article_title: Information and conditions chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 42" applies_to_entities: - payment_service_providers - member_states - competent_authorities - consumers topics: - payments - payment_services - framework_contracts - information_requirements - authorisation - liability - refunds keywords: - liability - refund - authorisation - payer - transaction - POS - consent - agent - branch - RTS - ITS - notification - payment service - payment transaction - payment service provider - payment service user - framework contract - payment order - unique identifier - payment instrument contains: obligations: true prohibitions: false permissions: false definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: - target: Article 13 - target: Article 54 - target: Article 66 - target: Article 64 - target: Article 55 paragraph: "1" - target: Article 44 paragraph: "2" - target: Article 43 - target: Article 56 paragraph: "1" - target: Article 55 - target: Article 61 - target: Article 58 - target: Article 60 - target: Article 75 - target: Article 62 - target: Article 63 - target: Article 44 - target: Article 44 paragraph: "1" - target: Article 45 - target: Article 80 - target: Article 81 - target: Article 82 - target: Article 83 external_references: [] recitals: [] - article_number: 43 article_title: Accessibility of information and conditions of the framework contract chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 43" applies_to_entities: - consumers topics: - payments - payment_services - framework_contracts - information_requirements keywords: - access - payment service - payment service user - framework contract - durable medium contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 42 external_references: [] recitals: [] - article_number: 44 article_title: Changes in conditions of the framework contract chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 44" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - framework_contracts - information_requirements keywords: - transaction - POS - payment service - payment transaction - payment service provider - payment service user - framework contract contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: - target: Article 42 - target: Article 41 paragraph: "1" - target: Article 42 paragraph: "6" - target: Article 42 paragraph: "3" external_references: [] recitals: [] - article_number: 45 article_title: Termination chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 45" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - framework_contracts - information_requirements keywords: - payment service - payment service provider - payment service user - framework contract contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 41 paragraph: "1" external_references: [] recitals: [] - article_number: 46 article_title: Information before execution of individual payment transactions chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 46" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - framework_contracts - information_requirements keywords: - payer - transaction - payment service - payment transaction - payment service provider - framework contract contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 47 article_title: Information for the payer on individual payment transactions chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 47" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - framework_contracts - information_requirements keywords: - payee - payer - transaction - payment service - payment transaction - payment service provider - framework contract - payment account - payment order - value date contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 41 paragraph: "1" external_references: [] recitals: [] - article_number: 48 article_title: Information for the payee on individual payment transactions chunk_file: /psd/chunks/psd_t03_ch03_framework_contracts.md path: "Title III > Chapter 3 > Article 48" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - framework_contracts - information_requirements keywords: - payee - payer - transaction - transfer - payment service - payment transaction - payment service provider - framework contract - payment account - value date contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 41 paragraph: "1" external_references: [] recitals: [] - article_number: 49 article_title: Currency and currency conversion chunk_file: /psd/chunks/psd_t03_ch04_common_provisions.md path: "Title III > Chapter 4 > Article 49" applies_to_entities: - consumers topics: - payments - payment_services - general_provisions keywords: - payee - payer - transaction - payment transaction contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 50 article_title: Information on additional charges or reductions chunk_file: /psd/chunks/psd_t03_ch04_common_provisions.md path: "Title III > Chapter 4 > Article 50" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - general_provisions keywords: - payee - payer - transaction - third party - payment service - payment transaction - payment service provider - payment service user - payment instrument contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 51 article_title: Scope chunk_file: /psd/chunks/psd_t04_ch01_common_provisions.md path: "Title IV > Chapter 1 > Article 51" applies_to_entities: - member_states - consumers topics: - payments - payment_services - general_provisions keywords: - consumer - payment service - payment service user contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 52 paragraph: "1" - target: Article 54 paragraph: "2" - target: Article 59 - target: Article 61 - target: Article 62 - target: Article 63 - target: Article 66 - target: Article 75 - target: Article 58 - target: Article 83 external_references: [] recitals: [] - article_number: 52 article_title: Charges applicable chunk_file: /psd/chunks/psd_t04_ch01_common_provisions.md path: "Title IV > Chapter 1 > Article 52" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - general_provisions keywords: - payee - payer - transaction - ITS - payment service - payment transaction - payment service provider - payment service user - payment instrument contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 65 - target: Article 66 - target: Article 74 external_references: [] recitals: [] - article_number: 53 article_title: Derogation for low value payment instruments and electronic money chunk_file: /psd/chunks/psd_t04_ch01_common_provisions.md path: "Title IV > Chapter 1 > Article 53" applies_to_entities: - payment_service_providers - member_states - competent_authorities - consumers topics: - payments - payment_services - general_provisions - authorisation keywords: - payee - payer - transaction - electronic money - POS - consent - ITS - payment service - payment transaction - payment service provider - payment service user - framework contract - payment account - funds - payment order - payment instrument contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 56 paragraph: "1" - target: Article 57 paragraph: "1" - target: Article 61 paragraph: "4" - target: Article 61 paragraph: "5" - target: Article 59 - target: Article 60 - target: Article 61 paragraph: "1" - target: Article 61 paragraph: "2" - target: Article 65 paragraph: "1" - target: Article 66 - target: Article 69 - target: Article 70 - target: Article 61 - target: Article 1 paragraph: "3" external_references: - instrument_type: directive reference: "2000/46/EC" recitals: [] - article_number: 54 article_title: Consent and withdrawal of consent chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 54" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - authorisation keywords: - payer - transaction - consent - payment service - payment transaction - payment service provider contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 66 external_references: [] recitals: [] - article_number: 55 article_title: Limits of the use of the payment instrument chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 55" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - authorisation - liability keywords: - fraud - liability - payer - transaction - POS - security - consent - ITS - payment service - payment transaction - payment service provider - framework contract - payment instrument contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 56 article_title: Obligations of the payment service user in relation to payment instruments chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 56" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - authorisation keywords: - POS - security - ITS - payment service - payment service provider - payment service user - payment instrument contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 57 article_title: Obligations of the payment service provider in relation to payment instruments chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 57" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - authorisation keywords: - payer - security - access - notification - payment service - payment service provider - payment service user - payment instrument contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 56 - target: Article 56 paragraph: "1" - target: Article 55 paragraph: "4" external_references: [] recitals: [] - article_number: 58 article_title: Notification of unauthorised or incorrectly executed payment transactions chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 58" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - authorisation keywords: - transaction - notification - payment service - payment transaction - payment service provider - payment service user contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 75 external_references: [] recitals: [] - article_number: 59 article_title: Evidence on authentication and execution of payment transactions chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 59" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - authorisation keywords: - fraud - authentication - payer - transaction - ITS - payment service - payment transaction - payment service provider - payment service user - payment instrument contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 56 external_references: [] recitals: [] - article_number: 60 article_title: "Payment service provider's liability for unauthorised payment transactions" chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 60" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - authorisation - liability keywords: - liability - refund - payer - transaction - payment service - payment transaction - payment service provider - payment account - funds contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 58 external_references: [] recitals: [] - article_number: 61 article_title: "Payer's liability for unauthorised payment transactions" chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 61" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - authorisation - liability keywords: - fraud - liability - payer - transaction - security - notification - payment service - payment transaction - payment service provider - payment instrument contains: obligations: true prohibitions: true permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 60 - target: Article 56 - target: Article 56 paragraph: "1" - target: Article 57 paragraph: "1" external_references: [] recitals: [] - article_number: 62 article_title: Refunds for payment transactions initiated by or through a payee chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 62" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - authorisation - refunds keywords: - refund - authorisation - payee - payer - transaction - direct debit - POS - consent - ITS - payment service - payment transaction - payment service provider - framework contract - funds - reference exchange rate contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 37 external_references: [] recitals: [] - article_number: 63 article_title: Requests for refunds for payment transactions initiated by or through a payee chunk_file: /psd/chunks/psd_t04_ch02_authorisation_of_payment_transactions.md path: "Title IV > Chapter 2 > Article 63" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - authorisation - refunds keywords: - refund - payee - payer - transaction - payment service - payment transaction - payment service provider - funds - business day contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 62 - target: Article 80 - target: Article 81 - target: Article 82 - target: Article 83 - target: Article 62 paragraph: "1" external_references: [] recitals: [] - article_number: 64 article_title: Receipt of payment orders chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 64" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - execution - payment_processing keywords: - payee - payer - POS - payment service - payment service provider - payment service user - funds - payment order - business day contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 69 external_references: [] recitals: [] - article_number: 65 article_title: Refusal of payment orders chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 65" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - execution - payment_processing - authorisation keywords: - payee - payer - POS - notification - payment service - payment service provider - payment service user - framework contract - payment order contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 69 - target: Article 75 external_references: [] recitals: [] - article_number: 66 article_title: Irrevocability of a payment order chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 66" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - execution - payment_processing - refunds keywords: - refund - payee - payer - transaction - direct debit - consent - ITS - payment service - payment transaction - payment service provider - payment service user - framework contract - funds - payment order - business day contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 64 paragraph: "2" external_references: [] recitals: [] - article_number: 67 article_title: Amounts transferred and amounts received chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 67" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - execution - payment_processing keywords: - payee - payer - transaction - transfer - SEPA - ITS - payment service - payment transaction - payment service provider contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 68 article_title: Scope chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 68" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - execution - payment_processing keywords: - transaction - transfer - POS - cross-border - payment service - payment transaction - payment service provider - payment service user - business day contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 73 - target: Article 69 - target: Article 64 external_references: [] recitals: [] - article_number: 69 article_title: Payment transactions to a payment account chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 69" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - execution - payment_processing keywords: - payee - payer - transaction - direct debit - settlement - ITS - payment service - payment transaction - payment service provider - payment account - funds - payment order - value date - business day contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 64 - target: Article 73 external_references: [] recitals: [] - article_number: 70 article_title: "Absence of payee's payment account with the payment service provider" chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 70" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - execution - payment_processing keywords: - payee - payment service - payment service provider - payment account - funds contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 69 external_references: [] recitals: [] - article_number: 71 article_title: Cash placed on a payment account chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 71" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - execution - payment_processing keywords: - consumer - payment service - payment service provider - payment service user - payment account - funds - value date - business day contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 72 article_title: National payment transactions chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 72" applies_to_entities: - member_states topics: - payments - payment_services - execution - payment_processing keywords: - transaction - payment transaction contains: obligations: false prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 73 article_title: Value date and availability of funds chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 73" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - execution - payment_processing keywords: - payee - payer - transaction - POS - payment service - payment transaction - payment service provider - payment account - funds - value date - business day contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 74 article_title: Incorrect unique identifiers chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 74" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - execution - payment_processing - liability keywords: - payee - payer - transaction - RTS - payment service - payment transaction - payment service provider - payment service user - framework contract - funds - payment order - unique identifier contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 75 - target: Article 37 external_references: [] recitals: [] - article_number: 75 article_title: Non-execution or defective execution chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 75" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - execution - payment_processing - liability - refunds keywords: - liability - refund - payee - payer - transaction - POS - RTS - ITS - payment service - payment transaction - payment service provider - payment service user - payment account - payment order contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 58 - target: Article 74 paragraph: "2" - target: Article 74 paragraph: "3" - target: Article 78 - target: Article 69 paragraph: "1" - target: Article 69 paragraph: "3" - target: Article 73 external_references: [] recitals: [] - article_number: 76 article_title: Additional financial compensation chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 76" applies_to_entities: - payment_service_providers - consumers topics: - payments - payment_services - execution - payment_processing keywords: - payment service - payment service provider - payment service user contains: obligations: false prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 77 article_title: Right of recourse chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 77" applies_to_entities: - payment_service_providers topics: - payments - payment_services - execution - payment_processing - liability keywords: - liability - payment service - payment service provider contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 75 external_references: [] recitals: [] - article_number: 78 article_title: No liability chunk_file: /psd/chunks/psd_t04_ch03_execution_of_payment_transactions.md path: "Title IV > Chapter 3 > Article 78" applies_to_entities: - payment_service_providers topics: - payments - payment_services - execution - payment_processing - liability keywords: - liability - RTS - payment service - payment service provider contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 79 article_title: Data protection chunk_file: /psd/chunks/psd_t04_ch04_data_protection.md path: "Title IV > Chapter 4 > Article 79" applies_to_entities: - payment_service_providers - member_states - payment_systems topics: - payments - payment_services - consumer_protection - data_protection - fraud_prevention keywords: - fraud - data - system - payment service - payment system - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "95/46/EC" recitals: [] - article_number: 80 article_title: Complaints chunk_file: /psd/chunks/psd_t04_ch05_out_of_court_complaint_and_redress_proce.md path: "Title IV > Chapter 5 > Article 80" applies_to_entities: - payment_service_providers - member_states - competent_authorities - consumers topics: - payments - payment_services - settlement - payment_systems - dispute_resolution - competent_authorities - enforcement keywords: - consumer - payment service - payment service provider - payment service user contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 83 external_references: [] recitals: [] - article_number: 81 article_title: Penalties chunk_file: /psd/chunks/psd_t04_ch05_out_of_court_complaint_and_redress_proce.md path: "Title IV > Chapter 5 > Article 81" applies_to_entities: - member_states - competent_authorities - european_commission topics: - payments - payment_services - settlement - payment_systems - dispute_resolution - enforcement keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 82 external_references: [] recitals: [] - article_number: 82 article_title: Competent authorities chunk_file: /psd/chunks/psd_t04_ch05_out_of_court_complaint_and_redress_proce.md path: "Title IV > Chapter 5 > Article 82" applies_to_entities: - payment_service_providers - member_states - competent_authorities topics: - payments - payment_services - settlement - payment_systems - dispute_resolution - competent_authorities - enforcement keywords: - agent - branch - home member state - host member state - payment service - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 80 - target: Article 81 external_references: [] recitals: [] - article_number: 83 article_title: Out-of-court redress chunk_file: /psd/chunks/psd_t04_ch05_out_of_court_complaint_and_redress_proce.md path: "Title IV > Chapter 5 > Article 83" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - payment_services - settlement - payment_systems - dispute_resolution keywords: - cross-border - settlement - payment service - payment service provider - payment service user contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 84 article_title: Implementing measures chunk_file: /psd/chunks/psd_t05_implementing_measures_and_payments_commi.md path: "Title V > Article 84" applies_to_entities: - european_commission topics: - payments - payment_services - implementing_acts keywords: - payment service contains: obligations: false prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 85 paragraph: "2" - target: Article 2 - target: Article 3 - target: Article 4 - target: Article 4 paragraph: "26" - target: Article 26 - target: Article 61 external_references: [] recitals: [] - article_number: 85 article_title: Committee chunk_file: /psd/chunks/psd_t05_implementing_measures_and_payments_commi.md path: "Title V > Article 85" applies_to_entities: [] topics: - payments - payment_services keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 5a paragraph: "1" - target: Article 8 external_references: [] recitals: [] - article_number: 86 article_title: Full harmonisation chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 86" applies_to_entities: - payment_service_providers - member_states - european_commission - consumers topics: - payments - payment_services - final_provisions keywords: - access - payment service - payment service provider - payment service user contains: obligations: true prohibitions: true permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 30 paragraph: "2" - target: Article 33 - target: Article 34 paragraph: "2" - target: Article 45 paragraph: "6" - target: Article 47 paragraph: "3" - target: Article 48 paragraph: "3" - target: Article 51 paragraph: "2" - target: Article 52 paragraph: "3" - target: Article 53 paragraph: "2" - target: Article 61 paragraph: "3" - target: Article 72 - target: Article 88 external_references: [] recitals: [] - article_number: 87 article_title: Review chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 87" applies_to_entities: - payment_service_providers - payment_institutions - credit_institutions - european_commission - european_central_bank topics: - payments - payment_services - final_provisions - authorisation - own_funds keywords: - authorisation - transaction - electronic money - POS - ITS - payment service - payment institution - payment transaction - payment service provider - funds - payment instrument contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 6 - target: Article 8 - target: Article 9 - target: Article 16 paragraph: "3" - target: Article 34 - target: Article 53 - target: Article 69 - target: Article 75 external_references: [] recitals: [] - article_number: 88 article_title: Transitional provision chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 88" applies_to_entities: - payment_institutions - member_states - competent_authorities - financial_entities topics: - payments - payment_services - final_provisions - authorisation - competent_authorities keywords: - authorisation - notification - home member state - payment service - payment institution contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: - target: Article 10 - target: Article 29 - target: Article 24 paragraph: "1" - target: Article 13 - target: Article 5 - target: Article 26 external_references: - instrument_type: directive reference: "2005/60/EC" recitals: [] - article_number: 89 article_title: Amendment of Directive 97/7/EC chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 89" applies_to_entities: [] topics: - payments - payment_services - final_provisions keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 90 article_title: Amendments of Directive 2002/65/EC chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 90" applies_to_entities: [] topics: - payments - payment_services - final_provisions keywords: - payment service contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 4 - target: Article 3 paragraph: "1" - target: Article 36 - target: Article 37 - target: Article 41 - target: Article 42 - target: Article 8 external_references: - instrument_type: directive reference: "2002/65/EC" - instrument_type: directive reference: "2007/64/EC" recitals: [] - article_number: 91 article_title: Amendments of Directive 2005/60/EC chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 91" applies_to_entities: - payment_institutions - credit_institutions - member_states - financial_entities topics: - payments - payment_services - final_provisions - customer_due_diligence keywords: - data - third party - ITS - payment service - payment institution contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 3 paragraph: "2" - target: Article 15 - target: Article 2 paragraph: "1" - target: Article 14 - target: Article 8 paragraph: "1" - target: Article 26 - target: Article 16 - target: Article 18 - target: Article 36 paragraph: "1" external_references: - instrument_type: directive reference: "2005/60/EC" - instrument_type: directive reference: "2007/64/EC" recitals: [] - article_number: 92 article_title: Amendments of Directive 2006/48/EC chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 92" applies_to_entities: [] topics: - payments - payment_services - final_provisions keywords: - payment service contains: obligations: true prohibitions: false permissions: false definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2007/64/EC" recitals: [] - article_number: 93 article_title: Repeal chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 93" applies_to_entities: [] topics: - payments - payment_services - final_provisions keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 94 article_title: Transposition chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 94" applies_to_entities: - member_states - european_commission topics: - payments - payment_services - final_provisions keywords: - POS contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 95 article_title: Entry into force chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 95" applies_to_entities: [] topics: - payments - payment_services - final_provisions keywords: - ITS contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: [] external_references: [] recitals: [] - article_number: 96 article_title: Addressees chunk_file: /psd/chunks/psd_t06_final_provisions.md path: "Title VI > Article 96" applies_to_entities: - member_states topics: - payments - payment_services - final_provisions keywords: [] contains: obligations: false prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: []