# Instrument Metadata
# Output tuned for LLM consumption -- deterministic parse of the
# EUR-Lex source, no LLM involved in generation.

instrument_id: psd-2
celex: "32015L2366"
eli: "http://data.europa.eu/eli/dir/2015/2366/oj"
full_title: Second Payment Services Directive
short_title: PSD2
instrument_type: regulation
document_type: regulation
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2016-01-12"
  to: null
dates:
  adopted: "2015-11-25"
  entered_into_force: "2016-01-12"
status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 117
total_recitals: 113
definitions_article: 4
chunk_strategy: by_chapter
chunks:
  - /psd-2/chunks/recitals.md
  - /psd-2/chunks/psd-2_t01_subject_matter_scope_and_definitions.md
  - /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
  - /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
  - /psd-2/chunks/psd-2_t02_ch02_common_provisions.md
  - /psd-2/chunks/psd-2_t03_ch01_general_rules.md
  - /psd-2/chunks/psd-2_t03_ch02_single_payment_transactions.md
  - /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
  - /psd-2/chunks/psd-2_t03_ch04_common_provisions.md
  - /psd-2/chunks/psd-2_t04_ch01_common_provisions.md
  - /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
  - /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
  - /psd-2/chunks/psd-2_t04_ch04_data_protection.md
  - /psd-2/chunks/psd-2_t04_ch05_operational_and_security_risks_and_authe.md
  - /psd-2/chunks/psd-2_t04_ch06_adr_procedures_for_the_settlement_of_dis.md
  - /psd-2/chunks/psd-2_t05_delegated_acts_and_regulatory_technical_.md
  - /psd-2/chunks/psd-2_t06_final_provisions.md

generated_at: "2026-05-01T17:47:27.916Z"

articles:
  - article_number: 1
    article_title: Subject matter
    chunk_file: /psd-2/chunks/psd-2_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
      - branch
      - payment service
      - payment institution
      - payment service user
      - 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:
      - target: Article 4
        paragraph: "1"
      - target: Article 8
    external_references:
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2009/110/EC"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "2"
        note: Derived from PSR Annex III correlation table.
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "1"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 2
    article_title: Scope
    chunk_file: /psd-2/chunks/psd-2_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
      - RTS
      - payment service
      - payment transaction
      - payment service provider
    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 45
        paragraph: "1"
      - target: Article 52
        paragraph: "2"
      - target: Article 56
      - target: Article 81
      - target: Article 82
      - target: Article 83
      - target: Article 84
      - target: Article 85
      - target: Article 86
      - target: Article 52
        paragraph: "5"
      - target: Article 62
        paragraph: "2"
      - target: Article 62
        paragraph: "4"
      - target: Article 76
      - target: Article 77
      - target: Article 89
      - target: Article 92
    external_references:
      - instrument_type: directive
        reference: "2013/36/EU"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "2"
        note: Scope provisions consolidated from PSD2 Article 2.
    recitals: []

  - article_number: 3
    article_title: Exclusions
    chunk_file: /psd-2/chunks/psd-2_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
      - ATM
      - data
      - privacy
      - agent
      - branch
      - settlement
      - clearing
      - system
      - network
      - ITS
      - payment service
      - payment transaction
    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 35
      - target: Article 45
      - target: Article 48
      - target: Article 49
      - target: Article 59
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "2"
        note: Derived from PSR Annex III correlation table.
    recitals:
      - 50

  - article_number: 4
    article_title: Definitions
    chunk_file: /psd-2/chunks/psd-2_t01_subject_matter_scope_and_definitions.md
    path: "Title I > Article 4"
    applies_to_entities:
      - payment_service_providers
      - payment_institutions
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - member_states
      - consumers
      - payment_schemes
      - payment_systems
    topics:
      - payments
      - payment_services
      - scope
      - general_provisions
      - definitions
      - fraud_prevention
      - strong_customer_authentication
      - authorisation
      - payment_systems
      - own_funds
      - funds_transfer
    keywords:
      - fraud
      - authentication
      - API
      - liability
      - authorisation
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - electronic money
      - card
      - POS
      - credential
      - security
      - data
      - access
      - consent
    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 11
      - target: Article 1
        paragraph: "1"
      - target: Article 32
      - target: Article 1
      - target: Article 2
        paragraph: "1"
      - target: Article 2
        paragraph: "3"
      - target: Article 22
        paragraph: "1"
      - target: Article 22
        paragraph: "2"
      - target: Article 4
      - target: Article 5
      - target: Article 6
      - target: Article 7
      - target: Article 10
        paragraph: "1"
      - target: Article 113
        paragraph: "6"
      - target: Article 50
    external_references:
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2013/34/EU"
      - instrument_type: regulation
        reference: "575/2013"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "3"
        note: "Definitions article (PSR expands PSD2's list)."
    recitals: []

  - article_number: 5
    article_title: Applications for authorisation
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 5"
    applies_to_entities:
      - payment_service_providers
      - payment_institutions
      - account_servicing_payment_service_providers
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - consumers
      - payment_systems
    topics:
      - payments
      - payment_services
      - fraud_prevention
      - authorisation
      - liability
      - data_protection
      - operational_resilience
      - incident_reporting
      - outsourcing
      - information_requirements
      - payment_systems
      - security
      - aml
      - risk_assessment
      - internal_control
    keywords:
      - fraud
      - API
      - liability
      - authorisation
      - transaction
      - POS
      - security
      - data
      - access
      - outsourcing
      - agent
      - branch
      - system
      - ITS
      - EBA
      - guidelines
      - reporting
      - notification
      - home member state
      - payment service
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 7
      - target: Article 10
        paragraph: "1"
      - target: Article 10
      - target: Article 96
      - target: Article 4
        paragraph: "1"
      - target: Article 95
        paragraph: "1"
      - target: Article 95
        paragraph: "3"
      - target: Article 73
      - target: Article 89
      - target: Article 90
      - target: Article 92
      - target: Article 11
      - target: Article 12
      - target: Article 13
    external_references:
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: regulation
        reference: "2015/847"
      - instrument_type: directive
        reference: "2006/43/EC"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals:
      - 109

  - article_number: 6
    article_title: Control of the shareholding
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 6"
    applies_to_entities:
      - payment_institutions
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_services
      - competent_authorities
      - information_requirements
    keywords:
      - API
      - penalty
      - POS
      - ITS
      - 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 4
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2013/36/EU"
    recitals: []

  - article_number: 7
    article_title: Initial capital
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 7"
    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:
      - target: Article 26
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
    recitals: []

  - article_number: 8
    article_title: Own funds
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 8"
    applies_to_entities:
      - payment_institutions
      - credit_institutions
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_services
      - supervision
      - own_funds
      - insurance
    keywords:
      - API
      - supervision
      - payment service
      - payment institution
      - funds
      - group
      - own 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 7
      - target: Article 9
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2013/36/EU"
    recitals: []

  - article_number: 9
    article_title: Calculation of own funds
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 9"
    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
      - own 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 7
    external_references: []
    recitals: []

  - article_number: 10
    article_title: Safeguarding requirements
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 10"
    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 user
      - payment service provider
      - funds
      - business day
      - group
    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: 11
    article_title: Granting of authorisation
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 11"
    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 32
      - target: Article 5
      - target: Article 4
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 12
    article_title: Communication of the decision
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 12"
    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: 13
    article_title: Withdrawal of authorisation
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 13"
    applies_to_entities:
      - payment_institutions
      - member_states
      - competent_authorities
      - payment_systems
    topics:
      - payments
      - payment_services
      - authorisation
      - competent_authorities
      - 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:
      - target: Article 14
      - target: Article 15
    external_references: []
    recitals: []

  - article_number: 14
    article_title: Registration in the home Member State
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 14"
    applies_to_entities:
      - payment_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
    topics:
      - payments
      - payment_services
      - authorisation
      - competent_authorities
    keywords:
      - authorisation
      - SEPA
      - access
      - agent
      - branch
      - EBA
      - 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 32
      - target: Article 2
        paragraph: "5"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 15
    article_title: EBA register
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 15"
    applies_to_entities:
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_services
      - competent_authorities
    keywords:
      - POS
      - access
      - ITS
      - EBA
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: true
      transitional: false
    internal_references:
      - target: Article 14
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 16
    article_title: Maintenance of authorisation
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 16"
    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:
      - 35

  - article_number: 17
    article_title: Accounting and statutory audit
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 17"
    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 18
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "1606/2002"
      - instrument_type: directive
        reference: "2013/34/EU"
      - instrument_type: directive
        reference: "2006/43/EC"
      - instrument_type: directive
        reference: "2013/36/EU"
    recitals: []

  - article_number: 18
    article_title: Activities
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 18"
    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
      - own 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 35
      - target: Article 11
        paragraph: "9"
      - target: Article 28
    external_references:
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2008/48/EC"
    recitals: []

  - article_number: 19
    article_title: "Use of agents, branches or entities to which activities are outsourced"
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p1_payment_institutions_part_1.md
    path: "Title II > Chapter 1 > Article 19"
    applies_to_entities:
      - payment_service_providers
      - payment_institutions
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - outsourcing
      - competent_authorities
      - aml
      - fit_and_proper
      - internal_control
    keywords:
      - authorisation
      - POS
      - outsourcing
      - agent
      - branch
      - system
      - ITS
      - notification
      - home member state
      - payment service
      - payment institution
      - payment service user
      - payment service provider
    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 14
      - target: Article 28
    external_references:
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 20
    article_title: Liability
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 20"
    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: 21
    article_title: Record-keeping
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 21"
    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: "2015/849"
    recitals: []

  - article_number: 22
    article_title: Designation of competent authorities
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 22"
    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
      - 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 18
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 23
    article_title: Supervision
    chunk_file: /psd-2/chunks/psd-2_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
      - 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 13
      - target: Article 7
      - target: Article 8
        paragraph: "1"
      - target: Article 8
        paragraph: "2"
      - target: Article 9
    external_references: []
    recitals: []

  - article_number: 24
    article_title: Professional secrecy
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 24"
    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 26
      - target: Article 53
      - target: Article 54
      - target: Article 55
      - target: Article 56
      - target: Article 57
      - target: Article 58
      - target: Article 59
      - target: Article 60
    external_references:
      - instrument_type: directive
        reference: "2013/36/EU"
    recitals: []

  - article_number: 25
    article_title: Right to apply to the courts
    chunk_file: /psd-2/chunks/psd-2_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
    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: 26
    article_title: Exchange of information
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 26"
    applies_to_entities:
      - payment_service_providers
      - payment_institutions
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_central_bank
    topics:
      - payments
      - payment_services
      - authorisation
      - aml
    keywords:
      - authorisation
      - supervision
      - settlement
      - system
      - ITS
      - EBA
      - 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:
      - target: Article 1
        paragraph: "5"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 27
    article_title: Settlement of disagreements between competent authorities of different Member States
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 27"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_banking_authority
    topics:
      - payments
      - payment_services
    keywords:
      - cross-border
      - settlement
      - ITS
      - EBA
    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 26
      - target: Article 19
        paragraph: "1"
      - target: Article 19
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 28
    article_title: Application to exercise the right of establishment and freedom to provide services
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 28"
    applies_to_entities:
      - payment_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_services
      - authorisation
      - outsourcing
      - aml
      - passporting
    keywords:
      - authorisation
      - ATM
      - agent
      - branch
      - cross-border
      - ITS
      - EBA
      - notification
      - home member state
      - host member state
      - payment service
      - payment institution
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 19
        paragraph: "1"
      - target: Article 5
        paragraph: "1"
      - target: Article 14
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
    external_references:
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals:
      - 111

  - article_number: 29
    article_title: Supervision of payment institutions exercising the right of establishment and freedom to provide services
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 29"
    applies_to_entities:
      - payment_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_services
      - competent_authorities
      - enforcement
      - aml
      - passporting
    keywords:
      - supervision
      - transaction
      - POS
      - ATM
      - agent
      - branch
      - cross-border
      - RTS
      - EBA
      - reporting
      - home member state
      - host member state
      - payment service
      - payment institution
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 100
        paragraph: "4"
      - target: Article 24
      - target: Article 11
        paragraph: "3"
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 30
    article_title: "Measures in case of non-compliance, including precautionary measures"
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 30"
    applies_to_entities:
      - payment_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
    keywords:
      - POS
      - agent
      - branch
      - cross-border
      - ITS
      - EBA
      - 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 29
      - target: Article 27
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 31
    article_title: Reasons and communication
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 31"
    applies_to_entities:
      - payment_institutions
      - competent_authorities
    topics:
      - payments
      - payment_services
      - passporting
    keywords:
      - payment institution
    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 23
      - target: Article 28
      - target: Article 29
      - target: Article 30
    external_references:
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: regulation
        reference: "2015/847"
    recitals: []

  - article_number: 32
    article_title: Conditions
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 32"
    applies_to_entities:
      - payment_institutions
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_services
      - authorisation
      - aml
    keywords:
      - authorisation
      - transaction
      - agent
      - ITS
      - payment service
      - 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 14
      - target: Article 15
      - target: Article 22
      - target: Article 24
      - target: Article 25
      - target: Article 26
      - target: Article 11
        paragraph: "9"
      - target: Article 28
      - target: Article 29
      - target: Article 30
      - target: Article 18
      - target: Article 11
    external_references:
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 33
    article_title: Account information service providers
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 33"
    applies_to_entities:
      - payment_institutions
      - account_information_service_providers
    topics:
      - payments
      - payment_services
    keywords:
      - payment service
      - payment institution
      - account information service
      - account information 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:
      - target: Article 5
        paragraph: "1"
      - target: Article 5
        paragraph: "3"
      - target: Article 14
      - target: Article 15
      - target: Article 23
        paragraph: "3"
      - target: Article 41
      - target: Article 45
      - target: Article 52
      - target: Article 67
      - target: Article 69
      - target: Article 95
      - target: Article 96
      - target: Article 97
      - target: Article 98
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "47"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 34
    article_title: Notification and information
    chunk_file: /psd-2/chunks/psd-2_t02_ch01_p2_payment_institutions_part_2.md
    path: "Title II > Chapter 1 > Article 34"
    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 32
      - target: Article 32
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 35
    article_title: Access to payment systems
    chunk_file: /psd-2/chunks/psd-2_t02_ch02_common_provisions.md
    path: "Title II > Chapter 2 > Article 35"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
      - payment_systems
    topics:
      - payments
      - payment_services
      - general_provisions
      - authorisation
      - payment_systems
    keywords:
      - transfer
      - POS
      - access
      - settlement
      - system
      - payment service
      - payment system
      - payment service user
      - payment service provider
      - group
    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:
      - instrument_type: directive
        reference: "98/26/EC"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "31"
    recitals: []

  - article_number: 36
    article_title: Access to accounts maintained with a credit institution
    chunk_file: /psd-2/chunks/psd-2_t02_ch02_common_provisions.md
    path: "Title II > Chapter 2 > Article 36"
    applies_to_entities:
      - payment_institutions
      - credit_institutions
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_services
      - general_provisions
    keywords:
      - access
      - payment service
      - payment institution
      - payment account
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "32"
    recitals: []

  - article_number: 37
    article_title: Prohibition of persons other than payment service providers from providing payment services and duty of notification
    chunk_file: /psd-2/chunks/psd-2_t02_ch02_common_provisions.md
    path: "Title II > Chapter 2 > Article 37"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_banking_authority
    topics:
      - payments
      - payment_services
      - general_provisions
      - competent_authorities
    keywords:
      - transaction
      - network
      - ITS
      - EBA
      - notification
      - payment service
      - payment transaction
      - 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:
      - target: Article 3
      - target: Article 14
      - target: Article 15
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 38
    article_title: Scope
    chunk_file: /psd-2/chunks/psd-2_t03_ch01_general_rules.md
    path: "Title III > Chapter 1 > Article 38"
    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
      - microenterprise
    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: "2008/48/EC"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "4"
    recitals: []

  - article_number: 39
    article_title: Other provisions in Union law
    chunk_file: /psd-2/chunks/psd-2_t03_ch01_general_rules.md
    path: "Title III > Chapter 1 > Article 39"
    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 44
      - target: Article 45
      - target: Article 51
      - target: Article 52
    external_references:
      - instrument_type: directive
        reference: "2002/65/EC"
    recitals: []

  - article_number: 40
    article_title: Charges for information
    chunk_file: /psd-2/chunks/psd-2_t03_ch01_general_rules.md
    path: "Title III > Chapter 1 > Article 40"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
      - information_requirements
    keywords:
      - POS
      - payment service
      - payment service user
      - payment service provider
      - 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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "8"
    recitals: []

  - article_number: 41
    article_title: Burden of proof on information requirements
    chunk_file: /psd-2/chunks/psd-2_t03_ch01_general_rules.md
    path: "Title III > Chapter 1 > Article 41"
    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: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "9"
    recitals: []

  - article_number: 42
    article_title: Derogation from information requirements for low-value payment instruments and electronic money
    chunk_file: /psd-2/chunks/psd-2_t03_ch01_general_rules.md
    path: "Title III > Chapter 1 > Article 42"
    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 user
      - payment service provider
      - payment instrument
      - framework contract
      - 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 51
      - target: Article 52
      - target: Article 56
      - target: Article 54
      - target: Article 51
        paragraph: "1"
      - target: Article 57
      - target: Article 58
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "10"
    recitals: []

  - article_number: 43
    article_title: Scope
    chunk_file: /psd-2/chunks/psd-2_t03_ch02_single_payment_transactions.md
    path: "Title III > Chapter 2 > Article 43"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - single_payment_transactions
      - information_requirements
    keywords:
      - transaction
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment order
      - payment instrument
      - framework contract
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "11"
    recitals: []

  - article_number: 44
    article_title: Prior general information
    chunk_file: /psd-2/chunks/psd-2_t03_ch02_single_payment_transactions.md
    path: "Title III > Chapter 2 > Article 44"
    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 user
      - payment service provider
      - payment order
      - means of distance communication
      - 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 45
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "12"
    recitals: []

  - article_number: 45
    article_title: Information and conditions
    chunk_file: /psd-2/chunks/psd-2_t03_ch02_single_payment_transactions.md
    path: "Title III > Chapter 2 > Article 45"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - single_payment_transactions
      - information_requirements
    keywords:
      - payer
      - transaction
      - access
      - agent
      - branch
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment order
      - payment initiation service
      - payment initiation service provider
      - 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 52
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "13"
    recitals: []

  - article_number: 46
    article_title: Information for the payer and payee after the initiation of a payment order
    chunk_file: /psd-2/chunks/psd-2_t03_ch02_single_payment_transactions.md
    path: "Title III > Chapter 2 > Article 46"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - single_payment_transactions
      - information_requirements
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - data
      - payment service
      - payment transaction
      - payment service provider
      - payment order
      - payment initiation service
      - account servicing payment service provider
      - payment initiation 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:
      - target: Article 45
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "14"
    recitals: []

  - article_number: 47
    article_title: Information for payer’s account servicing payment service provider in the event of a payment initiation service
    chunk_file: /psd-2/chunks/psd-2_t03_ch02_single_payment_transactions.md
    path: "Title III > Chapter 2 > Article 47"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - single_payment_transactions
      - information_requirements
    keywords:
      - payer
      - transaction
      - payment service
      - payment transaction
      - payment service provider
      - payment order
      - payment initiation service
      - account servicing payment service provider
      - payment initiation 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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "15"
    recitals: []

  - article_number: 48
    article_title: Information for the payer after receipt of the payment order
    chunk_file: /psd-2/chunks/psd-2_t03_ch02_single_payment_transactions.md
    path: "Title III > Chapter 2 > Article 48"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - single_payment_transactions
      - information_requirements
    keywords:
      - payee
      - payer
      - transaction
      - data
      - ITS
      - 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 44
        paragraph: "1"
      - target: Article 45
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "16"
    recitals: []

  - article_number: 49
    article_title: Information for the payee after execution
    chunk_file: /psd-2/chunks/psd-2_t03_ch02_single_payment_transactions.md
    path: "Title III > Chapter 2 > Article 49"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - single_payment_transactions
      - information_requirements
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - POS
      - data
      - ITS
      - 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 44
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "17"
    recitals: []

  - article_number: 50
    article_title: Scope
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 50"
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "18"
    recitals: []

  - article_number: 51
    article_title: Prior general information
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 51"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - framework_contracts
      - information_requirements
    keywords:
      - ITS
      - payment service
      - payment service user
      - payment service provider
      - framework contract
      - means of distance communication
      - 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 52
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "19"
    recitals: []

  - article_number: 52
    article_title: Information and conditions
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 52"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - framework_contracts
      - information_requirements
      - fraud_prevention
      - authorisation
      - liability
      - refunds
    keywords:
      - fraud
      - liability
      - refund
      - authorisation
      - payer
      - transaction
      - card
      - POS
      - security
      - consent
      - agent
      - branch
      - RTS
      - ITS
      - notification
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment order
    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 14
      - target: Article 64
      - target: Article 80
      - target: Article 78
      - target: Article 68
        paragraph: "1"
      - target: Article 54
        paragraph: "2"
      - target: Article 53
      - target: Article 69
        paragraph: "1"
      - target: Article 68
      - target: Article 74
      - target: Article 71
      - target: Article 73
      - target: Article 89
      - target: Article 76
      - target: Article 77
      - target: Article 54
      - target: Article 54
        paragraph: "1"
      - target: Article 55
      - target: Article 99
      - target: Article 100
      - target: Article 101
      - target: Article 102
    external_references:
      - instrument_type: regulation
        reference: "2015/751"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "20"
    recitals: []

  - article_number: 53
    article_title: Accessibility of information and conditions of the framework contract
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 53"
    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 52
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "21"
    recitals: []

  - article_number: 54
    article_title: Changes in conditions of the framework contract
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 54"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - framework_contracts
      - information_requirements
    keywords:
      - transaction
      - POS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - 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 52
      - target: Article 51
        paragraph: "1"
      - target: Article 52
        paragraph: "6"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "22"
    recitals: []

  - article_number: 55
    article_title: Termination
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 55"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - framework_contracts
      - information_requirements
    keywords:
      - payment service
      - payment service user
      - payment service provider
      - 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 51
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "23"
    recitals: []

  - article_number: 56
    article_title: Information before execution of individual payment transactions
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 56"
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "24"
    recitals: []

  - article_number: 57
    article_title: Information for the payer on individual payment transactions
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 57"
    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
      - payment account
      - payment order
      - framework contract
      - value date
      - durable medium
    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 51
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "25"
    recitals: []

  - article_number: 58
    article_title: Information for the payee on individual payment transactions
    chunk_file: /psd-2/chunks/psd-2_t03_ch03_framework_contracts.md
    path: "Title III > Chapter 3 > Article 58"
    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
      - payment account
      - framework contract
      - value date
      - durable medium
    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 51
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "26"
    recitals: []

  - article_number: 59
    article_title: Currency and currency conversion
    chunk_file: /psd-2/chunks/psd-2_t03_ch04_common_provisions.md
    path: "Title III > Chapter 4 > Article 59"
    applies_to_entities:
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
    keywords:
      - payee
      - payer
      - transaction
      - ATM
      - 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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "5"
    recitals: []

  - article_number: 60
    article_title: Information on additional charges or reductions
    chunk_file: /psd-2/chunks/psd-2_t03_ch04_common_provisions.md
    path: "Title III > Chapter 4 > Article 60"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
    keywords:
      - payee
      - payer
      - transaction
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - 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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "6"
    recitals: []

  - article_number: 61
    article_title: Scope
    chunk_file: /psd-2/chunks/psd-2_t04_ch01_common_provisions.md
    path: "Title IV > Chapter 1 > Article 61"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
    keywords:
      - consumer
      - ITS
      - payment service
      - payment service user
      - payment service provider
      - microenterprise
    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 62
        paragraph: "1"
      - target: Article 64
        paragraph: "3"
      - target: Article 72
      - target: Article 74
      - target: Article 76
      - target: Article 77
      - target: Article 80
      - target: Article 89
      - target: Article 71
      - target: Article 102
    external_references:
      - instrument_type: directive
        reference: "2008/48/EC"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "27"
    recitals: []

  - article_number: 62
    article_title: Charges applicable
    chunk_file: /psd-2/chunks/psd-2_t04_ch01_common_provisions.md
    path: "Title IV > Chapter 1 > Article 62"
    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 user
      - payment service provider
      - 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 79
        paragraph: "1"
      - target: Article 80
        paragraph: "5"
      - target: Article 88
        paragraph: "2"
    external_references:
      - instrument_type: regulation
        reference: "2015/751"
      - instrument_type: regulation
        reference: "260/2012"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "28"
    recitals: []

  - article_number: 63
    article_title: Derogation for low value payment instruments and electronic money
    chunk_file: /psd-2/chunks/psd-2_t04_ch01_common_provisions.md
    path: "Title IV > Chapter 1 > Article 63"
    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 user
      - payment service provider
      - payment account
      - payment order
      - payment instrument
      - framework contract
      - 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 69
        paragraph: "1"
      - target: Article 70
        paragraph: "1"
      - target: Article 74
        paragraph: "3"
      - target: Article 72
      - target: Article 73
      - target: Article 74
        paragraph: "1"
      - target: Article 79
        paragraph: "1"
      - target: Article 80
      - target: Article 83
      - target: Article 84
      - target: Article 74
    external_references:
      - instrument_type: directive
        reference: "2009/110/EC"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "29"
    recitals: []

  - article_number: 64
    article_title: Consent and withdrawal of consent
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 64"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - payee
      - payer
      - transaction
      - consent
      - payment service
      - payment transaction
      - payment service provider
      - payment initiation service
      - payment initiation 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 80
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "49"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 65
    article_title: Confirmation on the availability of funds
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 65"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - payer
      - transaction
      - electronic money
      - card
      - POS
      - access
      - consent
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - payment instrument
      - account servicing payment service provider
      - 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 98
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "95/46/EC"
      - instrument_type: directive
        reference: "2009/110/EC"
    recitals: []

  - article_number: 66
    article_title: Rules on access to payment account in the case of payment initiation services
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 66"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - credential
      - security
      - data
      - access
      - consent
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment account
      - payment order
      - payment initiation service
      - account servicing payment service provider
      - payment initiation service provider
      - 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 64
      - target: Article 98
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "40"
        note: ASPSP obligations re PIS — reformulated from PSD2 Art 66.
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "46"
        note: PISP specific obligations — second half of PSD2 Art 66.
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "33"
        note: Derived from PSR Annex III correlation table.
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "34"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 67
    article_title: Rules on access to and use of payment account information in the case of account information services
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 67"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - account_information_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - data_protection
    keywords:
      - transaction
      - POS
      - credential
      - security
      - data
      - access
      - consent
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment account
      - account information service
      - account servicing payment service provider
      - account information service provider
      - personalised security credentials
      - sensitive payment data
    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 98
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "41"
        note: ASPSP obligations re AIS — reformulated from PSD2 Art 67.
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "47"
        note: AISP specific obligations — second half of PSD2 Art 67.
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "33"
        note: Derived from PSR Annex III correlation table.
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "34"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 68
    article_title: Limits of the use of the payment instrument and of the access to payment accounts by payment service providers
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 68"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - liability
      - competent_authorities
    keywords:
      - fraud
      - liability
      - payer
      - transaction
      - POS
      - security
      - access
      - consent
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - payment instrument
      - payment initiation service
      - account information service
      - account servicing payment service provider
      - payment initiation service provider
      - account information service provider
      - 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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "51"
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "42"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 69
    article_title: Obligations of the payment service user in relation to payment instruments and personalised security credentials
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 69"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - POS
      - credential
      - security
      - ITS
      - payment service
      - payment service user
      - payment service provider
      - payment instrument
      - personalised security credentials
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "52"
    recitals: []

  - article_number: 70
    article_title: Obligations of the payment service provider in relation to payment instruments
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 70"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - credential
      - security
      - access
      - notification
      - payment service
      - payment service user
      - payment service provider
      - payment instrument
      - personalised security credentials
    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 69
      - target: Article 69
        paragraph: "1"
      - target: Article 68
        paragraph: "4"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "53"
    recitals: []

  - article_number: 71
    article_title: Notification and rectification of unauthorised or incorrectly executed payment transactions
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 71"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - transaction
      - ITS
      - notification
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment initiation service
      - account servicing payment service provider
      - payment initiation 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:
      - target: Article 89
      - target: Article 73
        paragraph: "2"
      - target: Article 89
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "54"
    recitals: []

  - article_number: 72
    article_title: Evidence on authentication and execution of payment transactions
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 72"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - fraud_prevention
    keywords:
      - fraud
      - authentication
      - payer
      - transaction
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment instrument
      - payment initiation service
      - payment initiation 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:
      - target: Article 69
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "55"
    recitals: []

  - article_number: 73
    article_title: Payment service provider’s liability for unauthorised payment transactions
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 73"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - fraud_prevention
      - liability
      - refunds
    keywords:
      - fraud
      - liability
      - refund
      - payer
      - transaction
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - payment initiation service
      - account servicing payment service provider
      - payment initiation service provider
      - funds
      - 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 71
      - target: Article 72
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "56"
    recitals: []

  - article_number: 74
    article_title: Payer’s liability for unauthorised payment transactions
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 74"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - strong_customer_authentication
      - liability
      - refunds
      - outsourcing
    keywords:
      - fraud
      - authentication
      - liability
      - refund
      - payee
      - payer
      - transaction
      - credential
      - security
      - agent
      - branch
      - ITS
      - notification
      - payment service
      - payment transaction
      - payment service provider
      - payment instrument
      - strong customer authentication
      - personalised security credentials
    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 73
      - target: Article 69
      - target: Article 69
        paragraph: "1"
      - target: Article 70
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "60"
    recitals: []

  - article_number: 75
    article_title: Payment transactions where the transaction amount is not known in advance
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 75"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - payee
      - payer
      - transaction
      - card
      - consent
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - payment order
      - 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: []
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "61"
    recitals: []

  - article_number: 76
    article_title: Refunds for payment transactions initiated by or through a payee
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 76"
    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
      - scheme
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - framework contract
      - funds
      - value date
      - 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 77
      - target: Article 45
        paragraph: "1"
      - target: Article 52
        paragraph: "3"
    external_references:
      - instrument_type: regulation
        reference: "260/2012"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "62"
    recitals: []

  - article_number: 77
    article_title: Requests for refunds for payment transactions initiated by or through a payee
    chunk_file: /psd-2/chunks/psd-2_t04_ch02_authorisation_of_payment_transactions.md
    path: "Title IV > Chapter 2 > Article 77"
    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 76
      - target: Article 99
      - target: Article 100
      - target: Article 101
      - target: Article 102
      - target: Article 76
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "63"
    recitals: []

  - article_number: 78
    article_title: Receipt of payment orders
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 78"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
    keywords:
      - payer
      - POS
      - payment service
      - payment service user
      - payment service provider
      - payment order
      - 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 83
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "64"
    recitals: []

  - article_number: 79
    article_title: Refusal of payment orders
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 79"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
      - authorisation
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - notification
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment order
      - payment initiation service
      - account servicing payment service provider
      - payment initiation service provider
      - 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 83
      - target: Article 89
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "65"
    recitals: []

  - article_number: 80
    article_title: Irrevocability of a payment order
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 80"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_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 user
      - payment service provider
      - payment order
      - payment initiation service
      - payment initiation service provider
      - framework contract
      - 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 78
        paragraph: "2"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "66"
    recitals: []

  - article_number: 81
    article_title: Amounts transferred and amounts received
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 81"
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "67"
    recitals: []

  - article_number: 82
    article_title: Scope
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 82"
    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 user
      - payment service provider
      - 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 87
      - target: Article 83
      - target: Article 78
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "68"
    recitals: []

  - article_number: 83
    article_title: Payment transactions to a payment account
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 83"
    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
      - payment order
      - funds
      - 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 78
      - target: Article 87
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "69"
    recitals: []

  - article_number: 84
    article_title: Absence of payee’s payment account with the payment service provider
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 84"
    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 83
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "70"
    recitals: []

  - article_number: 85
    article_title: Cash placed on a payment account
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 85"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
    keywords:
      - consumer
      - payment service
      - payment service user
      - 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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "71"
    recitals: []

  - article_number: 86
    article_title: National payment transactions
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 86"
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "72"
    recitals: []

  - article_number: 87
    article_title: Value date and availability of funds
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 87"
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "73"
    recitals: []

  - article_number: 88
    article_title: Incorrect unique identifiers
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 88"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
      - liability
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - RTS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment order
      - framework contract
      - funds
      - 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 89
      - target: Article 45
        paragraph: "1"
      - target: Article 52
        paragraph: "2"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "74"
    recitals: []

  - article_number: 89
    article_title: "Payment service providers’ liability for non-execution, defective or late execution of payment transactions"
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 89"
    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 user
      - payment service provider
      - payment account
      - payment order
      - value date
    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 71
      - target: Article 88
        paragraph: "2"
      - target: Article 88
        paragraph: "3"
      - target: Article 93
      - target: Article 83
        paragraph: "1"
      - target: Article 87
      - target: Article 83
        paragraph: "3"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "75"
    recitals: []

  - article_number: 90
    article_title: "Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions"
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 90"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
      - liability
      - refunds
    keywords:
      - liability
      - refund
      - payer
      - transaction
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - payment order
      - payment initiation service
      - account servicing payment service provider
      - payment initiation 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:
      - target: Article 71
      - target: Article 88
        paragraph: "2"
      - target: Article 88
        paragraph: "3"
      - target: Article 78
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "76"
    recitals: []

  - article_number: 91
    article_title: Additional financial compensation
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 91"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
    keywords:
      - payment service
      - payment service user
      - payment service provider
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "77"
    recitals: []

  - article_number: 92
    article_title: Right of recourse
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 92"
    applies_to_entities:
      - payment_service_providers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
      - strong_customer_authentication
      - liability
    keywords:
      - authentication
      - liability
      - payment service
      - payment service provider
      - strong customer authentication
    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
      - target: Article 89
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "78"
    recitals: []

  - article_number: 93
    article_title: Abnormal and unforeseeable circumstances
    chunk_file: /psd-2/chunks/psd-2_t04_ch03_execution_of_payment_transactions.md
    path: "Title IV > Chapter 3 > Article 93"
    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: 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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "79"
    recitals: []

  - article_number: 94
    article_title: Data protection
    chunk_file: /psd-2/chunks/psd-2_t04_ch04_data_protection.md
    path: "Title IV > Chapter 4 > Article 94"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
      - payment_systems
    topics:
      - payments
      - payment_services
      - consumer_protection
      - data_protection
      - fraud_prevention
    keywords:
      - fraud
      - POS
      - data
      - access
      - consent
      - system
      - payment service
      - payment system
      - payment service user
      - 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: []
    external_references:
      - instrument_type: directive
        reference: "95/46/EC"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "80"
    recitals: []

  - article_number: 95
    article_title: Management of operational and security risks
    chunk_file: /psd-2/chunks/psd-2_t04_ch05_operational_and_security_risks_and_authe.md
    path: "Title IV > Chapter 5 > Article 95"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - european_central_bank
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
    keywords:
      - security
      - network
      - EBA
      - guidelines
      - payment service
      - payment service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "81"
    recitals: []

  - article_number: 96
    article_title: Incident reporting
    chunk_file: /psd-2/chunks/psd-2_t04_ch05_operational_and_security_risks_and_authe.md
    path: "Title IV > Chapter 5 > Article 96"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_central_bank
      - consumers
      - payment_systems
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - fraud_prevention
      - incident_reporting
      - competent_authorities
      - payment_systems
    keywords:
      - fraud
      - security
      - data
      - system
      - network
      - RTS
      - ITS
      - EBA
      - guidelines
      - reporting
      - notification
      - home member state
      - payment service
      - payment system
      - payment service user
      - payment service provider
    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:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "82"
        note: Fraud reporting — split out from PSD2 Art 96.
    recitals: []

  - article_number: 97
    article_title: Authentication
    chunk_file: /psd-2/chunks/psd-2_t04_ch05_operational_and_security_risks_and_authe.md
    path: "Title IV > Chapter 5 > Article 97"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - fraud_prevention
    keywords:
      - fraud
      - authentication
      - payee
      - payer
      - transaction
      - credential
      - security
      - access
      - ITS
      - payment service
      - payment transaction
      - remote payment transaction
      - payment service user
      - payment service provider
      - payment account
      - payment initiation service
      - account information service
      - account servicing payment service provider
      - payment initiation service provider
      - account information 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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "85"
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "86"
        note: SCA for PIS/AIS — detail split from PSD2 Art 97.
    recitals: []

  - article_number: 98
    article_title: Regulatory technical standards on authentication and communication
    chunk_file: /psd-2/chunks/psd-2_t04_ch05_operational_and_security_risks_and_authe.md
    path: "Title IV > Chapter 5 > Article 98"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - european_banking_authority
      - european_commission
      - european_central_bank
      - consumers
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - data_protection
    keywords:
      - authentication
      - payee
      - payer
      - transaction
      - POS
      - credential
      - security
      - data
      - access
      - EBA
      - notification
      - payment service
      - payment service user
      - payment service provider
      - payment initiation service
      - account information service
      - account servicing payment service provider
      - payment initiation service provider
      - account information service provider
      - funds
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
        paragraph: "1"
      - target: Article 97
        paragraph: "1"
      - target: Article 97
        paragraph: "2"
      - target: Article 97
        paragraph: "3"
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "89"
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "85"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 99
    article_title: Complaints
    chunk_file: /psd-2/chunks/psd-2_t04_ch06_adr_procedures_for_the_settlement_of_dis.md
    path: "Title IV > Chapter 6 > Article 99"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - settlement
      - payment_systems
      - competent_authorities
      - enforcement
    keywords:
      - consumer
      - payment service
      - payment service user
      - 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:
      - target: Article 102
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "90"
    recitals: []

  - article_number: 100
    article_title: Competent authorities
    chunk_file: /psd-2/chunks/psd-2_t04_ch06_adr_procedures_for_the_settlement_of_dis.md
    path: "Title IV > Chapter 6 > Article 100"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_services
      - settlement
      - payment_systems
      - competent_authorities
      - enforcement
    keywords:
      - supervision
      - POS
      - agent
      - branch
      - RTS
      - EBA
      - guidelines
      - home member state
      - host member state
      - payment service
      - payment service provider
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "91"
    recitals: []

  - article_number: 101
    article_title: Dispute resolution
    chunk_file: /psd-2/chunks/psd-2_t04_ch06_adr_procedures_for_the_settlement_of_dis.md
    path: "Title IV > Chapter 6 > Article 101"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - settlement
      - payment_systems
    keywords:
      - POS
      - access
      - branch
      - settlement
      - payment service
      - payment service user
      - payment service provider
      - durable medium
      - 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: []
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "94"
    recitals: []

  - article_number: 102
    article_title: ADR procedures
    chunk_file: /psd-2/chunks/psd-2_t04_ch06_adr_procedures_for_the_settlement_of_dis.md
    path: "Title IV > Chapter 6 > Article 102"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - settlement
      - payment_systems
    keywords:
      - cross-border
      - settlement
      - payment service
      - payment service user
      - 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: "2013/11/EU"
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "95"
    recitals: []

  - article_number: 103
    article_title: Penalties
    chunk_file: /psd-2/chunks/psd-2_t04_ch06_adr_procedures_for_the_settlement_of_dis.md
    path: "Title IV > Chapter 6 > Article 103"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_services
      - settlement
      - payment_systems
      - liability
      - enforcement
    keywords:
      - penalty
      - POS
    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: []
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "96"
        note: "Administrative sanctions — PSR restructures PSD2's penalties regime."
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "97"
        note: Sanctions for specific infringements — split from PSD2 Art 103.
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "101"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 104
    article_title: Delegated acts
    chunk_file: /psd-2/chunks/psd-2_t05_delegated_acts_and_regulatory_technical_.md
    path: "Title V > Article 104"
    applies_to_entities: []
    topics:
      - payments
      - payment_services
      - delegated_acts
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 105
      - target: Article 4
      - target: Article 32
        paragraph: "1"
      - target: Article 74
        paragraph: "1"
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "105"
    recitals: []

  - article_number: 105
    article_title: Exercise of the delegation
    chunk_file: /psd-2/chunks/psd-2_t05_delegated_acts_and_regulatory_technical_.md
    path: "Title V > Article 105"
    applies_to_entities:
      - european_commission
    topics:
      - payments
      - payment_services
      - delegated_acts
    keywords:
      - notification
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 104
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "106"
    recitals: []

  - article_number: 106
    article_title: Obligation to inform consumers of their rights
    chunk_file: /psd-2/chunks/psd-2_t05_delegated_acts_and_regulatory_technical_.md
    path: "Title V > Article 106"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - delegated_acts
      - outsourcing
      - competent_authorities
    keywords:
      - consumer
      - access
      - agent
      - branch
      - EBA
      - payment service
      - payment service provider
    contains:
      obligations: true
      prohibitions: true
      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: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 107
    article_title: Full harmonisation
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 107"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - final_provisions
    keywords:
      - POS
      - access
      - payment service
      - payment service user
      - payment service provider
    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 2
      - target: Article 8
        paragraph: "3"
      - target: Article 32
      - target: Article 38
        paragraph: "2"
      - target: Article 42
        paragraph: "2"
      - target: Article 55
        paragraph: "6"
      - target: Article 57
        paragraph: "3"
      - target: Article 58
        paragraph: "3"
      - target: Article 61
        paragraph: "2"
      - target: Article 61
        paragraph: "3"
      - target: Article 62
        paragraph: "5"
      - target: Article 63
        paragraph: "2"
      - target: Article 63
        paragraph: "3"
      - target: Article 74
        paragraph: "1"
      - target: Article 86
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "107"
        note: Full harmonisation / more favourable rules — PSD2 Art 107 ↔ PSR Art 107.
    recitals: []

  - article_number: 108
    article_title: Review clause
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 108"
    applies_to_entities:
      - european_commission
      - european_central_bank
      - consumers
      - payment_systems
    topics:
      - payments
      - payment_services
      - final_provisions
    keywords:
      - payer
      - transaction
      - POS
      - access
      - system
      - ITS
      - payment transaction
      - payment system
      - 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 62
        paragraph: "3"
      - target: Article 62
        paragraph: "4"
      - target: Article 62
        paragraph: "5"
      - target: Article 2
        paragraph: "3"
      - target: Article 2
        paragraph: "4"
      - target: Article 3
      - target: Article 32
        paragraph: "1"
      - target: Article 75
    external_references: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "108"
    recitals: []

  - article_number: 109
    article_title: Transitional provision
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 109"
    applies_to_entities:
      - payment_institutions
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_services
      - final_provisions
      - authorisation
      - competent_authorities
    keywords:
      - authorisation
      - POS
      - 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 5
      - target: Article 14
      - target: Article 15
      - target: Article 37
      - target: Article 11
      - target: Article 32
      - target: Article 7
      - target: Article 9
    external_references:
      - instrument_type: directive
        reference: "2007/64"
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 110
    article_title: Amendments to Directive 2002/65/EC
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 110"
    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:
      - target: Article 3
        paragraph: "1"
      - target: Article 44
      - target: Article 45
      - target: Article 51
      - target: Article 52
    external_references:
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2002/65/EC"
    recitals: []

  - article_number: 111
    article_title: Amendments to Directive 2009/110/EC
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 111"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_services
      - final_provisions
      - authorisation
    keywords:
      - authorisation
      - electronic money
      - agent
      - payment service
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
      - target: Article 5
      - target: Article 11
      - target: Article 12
      - target: Article 13
      - target: Article 14
      - target: Article 15
      - target: Article 16
      - target: Article 17
      - target: Article 19
        paragraph: "5"
      - target: Article 19
        paragraph: "6"
      - target: Article 20
      - target: Article 21
      - target: Article 22
      - target: Article 23
      - target: Article 24
      - target: Article 25
      - target: Article 26
      - target: Article 27
      - target: Article 28
      - target: Article 29
      - target: Article 30
      - target: Article 15
        paragraph: "4"
      - target: Article 28
        paragraph: "5"
      - target: Article 29
        paragraph: "7"
      - target: Article 31
      - target: Article 29
        paragraph: "4"
      - target: Article 29
        paragraph: "5"
      - target: Article 6
        paragraph: "1"
      - target: Article 18
    external_references:
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 112
    article_title: Amendments to Regulation (EU) No 1093/2010
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 112"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - competent_authorities
      - european_central_bank
      - financial_entities
    topics:
      - payments
      - payment_services
      - final_provisions
      - aml
      - funds_transfer
      - deposit_guarantee
    keywords:
      - supervision
      - transfer
      - electronic money
      - POS
      - access
      - system
      - scheme
      - RTS
      - payment service
      - payment service provider
      - funds
    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 1
      - target: Article 4
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2002/87"
      - instrument_type: directive
        reference: "2009/110"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2014/49/EU"
      - instrument_type: regulation
        reference: "2015/847"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: regulation
        reference: "1024/2013"
      - instrument_type: regulation
        reference: "648/2012"
      - instrument_type: regulation
        reference: "1781/2006"
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2005/60/EC"
      - instrument_type: directive
        reference: "2002/87/EC"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 113
    article_title: Amendment to Directive 2013/36/EU
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 113"
    applies_to_entities: []
    topics:
      - payments
      - payment_services
      - final_provisions
    keywords:
      - payment service
    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:
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 114
    article_title: Repeal
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 114"
    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:
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 115
    article_title: Transposition
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 115"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - member_states
      - european_commission
    topics:
      - payments
      - payment_services
      - final_provisions
      - security
    keywords:
      - POS
      - security
      - payment service
      - payment service provider
      - payment initiation service
      - account information service
      - account servicing payment service provider
      - payment initiation service provider
      - account information service provider
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 65
      - target: Article 66
      - target: Article 67
      - target: Article 97
      - target: Article 98
    external_references: []
    recitals: []

  - article_number: 116
    article_title: Entry into force
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 116"
    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: []
    successor:
      - document: psr
        title: Payment Services Regulation (Proposal)
        article: "112"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 117
    article_title: Addresses
    chunk_file: /psd-2/chunks/psd-2_t06_final_provisions.md
    path: "Title VI > Article 117"
    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: []