# PSD3 Article 42 — Full harmonisation

Textual state: amended_substantial. 16 words changed

- Current text: Council final compromise text (Council document 8222/26) — not yet law.
- Compared against: COM(2023) 366 final — superseded.
- Classification is mechanical; method: https://paymentslaw.eu/method/
- Editorial review state: not_assessed. Markers are curated and selective, not a complete assessment.

Word-level diff, proposal → compromise: `{+text+}` was inserted, `[-text-]` was deleted.

## Paragraph 1

1. Without prejudice to [-Article 6(3) and Article -]{+Articles 6(3), +}34, {+37 and 39, +}insofar as this Directive contains harmonised provisions, Member States shall not maintain or introduce provisions other than those laid down in this Directive.

## Paragraph 2

2. A Member State that uses any of the options referred to in [-Article 6(3) or Article -]{+Articles 6(3), +}34, {+37 or 39, +}shall inform the Commission thereof and of any subsequent changes. The Commission shall make the information public on a website or other easily accessible means.

## Paragraph 3

3. Member States shall ensure that payment service providers do not derogate, to the detriment of payment service users, from the provisions of national law transposing this Directive except where explicitly provided for therein. However, payment service providers may decide to grant more favourable terms to payment service users.