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

instrument_id: psr
celex: "52023PC0367"
eli: null
full_title: Payment Services Regulation (Proposal)
short_title: PSR
instrument_type: regulation
document_type: proposal
normative_weight: non_binding
jurisdiction: EU
effective_period:
  from: null
  to: null
dates:
  proposed: "2023-06-28"
status: proposal
structure_levels:
  - title
  - chapter
  - article
total_articles: 112
total_recitals: 147
definitions_article: 3
chunk_strategy: by_chapter
chunks:
  - /psr/chunks/preamble.md
  - /psr/chunks/recitals.md
  - /psr/chunks/psr_t01_subject_matter_scope_and_definitions.md
  - /psr/chunks/psr_t02_ch01_general_rules.md
  - /psr/chunks/psr_t02_ch02_single_payment_transactions.md
  - /psr/chunks/psr_t02_ch03_framework_contracts.md
  - /psr/chunks/psr_t03_ch01_common_provisions.md
  - /psr/chunks/psr_t03_ch02_access_to_payment_systems_and_to_account.md
  - /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
  - /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
  - /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
  - /psr/chunks/psr_t03_ch06_data_protection.md
  - /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
  - /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
  - /psr/chunks/psr_t03_ch09_product_intervention_powers_by_the_eba.md
  - /psr/chunks/psr_t04_delegated_acts.md
  - /psr/chunks/psr_t05_final_provisions.md

generated_at: "2026-05-01T17:47:44.873Z"

articles:
  - article_number: 1
    article_title: Subject matter
    chunk_file: /psr/chunks/psr_t01_subject_matter_scope_and_definitions.md
    path: "Title I > Article 1"
    applies_to_entities:
      - payment_service_providers
    topics:
      - payments
      - payment_services
      - scope
      - general_provisions
      - definitions
    keywords:
      - electronic money
      - payment service
      - payment service provider
      - electronic money services
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "1"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "1"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 2
    article_title: Scope
    chunk_file: /psr/chunks/psr_t01_subject_matter_scope_and_definitions.md
    path: "Title I > Article 2"
    applies_to_entities:
      - payment_service_providers
      - payment_institutions
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - european_central_bank
      - consumers
      - technical_service_providers
    topics:
      - payments
      - payment_services
      - scope
      - general_provisions
      - definitions
      - authorisation
      - investment_funds
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - agent
      - branch
      - settlement
      - clearing
      - system
      - network
      - RTS
      - ITS
      - EBA
      - guidelines
      - payment service
      - payment institution
      - payment transaction
      - payment service user
      - payment service provider
      - payment order
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 31
      - target: Article 23
        paragraph: "2"
      - target: Article 58
      - target: Article 87
      - target: Article 2
      - target: Article 13
        paragraph: "1"
      - target: Article 20
      - target: Article 24
      - target: Article 67
      - target: Article 68
      - target: Article 69
      - target: Article 70
      - target: Article 71
      - target: Article 72
      - target: Article 28
        paragraph: "2"
      - target: Article 28
        paragraph: "3"
      - target: Article 62
      - target: Article 63
      - target: Article 69
        paragraph: "1"
      - target: Article 75
      - target: Article 78
      - target: Article 2
        paragraph: "5"
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2018/1972"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: regulation
        reference: "1093/2010"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "2"
        note: Scope provisions consolidated from PSD2 Article 2.
      - document: psd-2
        title: Second Payment Services Directive
        article: "1"
        note: Derived from PSR Annex III correlation table.
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "1"
        note: Derived from PSR Annex III correlation table.
      - document: psd-2
        title: Second Payment Services Directive
        article: "3"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "2"
        note: Scope provisions consolidated from PSD2 Article 2.
      - document: psd-2
        title: Second Payment Services Directive
        article: "1"
        note: Derived from PSR Annex III correlation table.
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "1"
        note: Derived from PSR Annex III correlation table.
      - document: psd-2
        title: Second Payment Services Directive
        article: "3"
        note: Derived from PSR Annex III correlation table.
    recitals:
      - 24
      - 104

  - article_number: 3
    article_title: Definitions
    chunk_file: /psr/chunks/psr_t01_subject_matter_scope_and_definitions.md
    path: "Title I > Article 3"
    applies_to_entities:
      - payment_service_providers
      - payment_institutions
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - credit_institutions
      - member_states
      - consumers
      - technical_service_providers
      - payment_systems
    topics:
      - payments
      - payment_services
      - scope
      - general_provisions
      - definitions
      - fraud_prevention
      - strong_customer_authentication
      - authorisation
      - payment_systems
      - funds_transfer
    keywords:
      - fraud
      - authentication
      - liability
      - authorisation
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - instant
      - electronic money
      - POS
      - ATM
      - credential
      - security
      - data
      - access
      - agent
    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 2
        paragraph: "1"
      - target: Article 34
      - target: Article 36
      - target: Article 38
      - target: Article 1
      - target: Article 2
        paragraph: "3"
      - target: Article 22
        paragraph: "1"
      - target: Article 4
      - target: Article 5
      - target: Article 6
      - target: Article 7
      - target: Article 10
        paragraph: "1"
      - target: Article 113
        paragraph: "6"
    external_references:
      - instrument_type: directive
        reference: "2013/34/EU"
      - instrument_type: regulation
        reference: "575/2013"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "4"
        note: "Definitions article (PSR expands PSD2's list)."
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "2"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "4"
        note: "Definitions article (PSR expands PSD2's list)."
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "2"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 4
    article_title: Scope
    chunk_file: /psr/chunks/psr_t02_ch01_general_rules.md
    path: "Title II > Chapter 1 > Article 4"
    applies_to_entities:
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
      - information_requirements
    keywords:
      - consumer
      - transaction
      - ITS
      - 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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "38"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "38"
    recitals: []

  - article_number: 5
    article_title: Currency and currency conversion
    chunk_file: /psr/chunks/psr_t02_ch01_general_rules.md
    path: "Title II > Chapter 1 > Article 5"
    applies_to_entities:
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
      - information_requirements
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - 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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "59"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "59"
    recitals:
      - 142

  - article_number: 6
    article_title: Information on additional charges or reductions
    chunk_file: /psr/chunks/psr_t02_ch01_general_rules.md
    path: "Title II > Chapter 1 > Article 6"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
      - information_requirements
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "60"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "60"
    recitals:
      - 69

  - article_number: 7
    article_title: Information requirements applicable to cash withdrawal services
    chunk_file: /psr/chunks/psr_t02_ch01_general_rules.md
    path: "Title II > Chapter 1 > Article 7"
    applies_to_entities: []
    topics:
      - payments
      - payment_services
      - general_provisions
      - information_requirements
    keywords:
      - transaction
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 8
    article_title: Charges for information
    chunk_file: /psr/chunks/psr_t02_ch01_general_rules.md
    path: "Title II > Chapter 1 > Article 8"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
      - information_requirements
    keywords:
      - 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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "40"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "40"
    recitals: []

  - article_number: 9
    article_title: Burden of proof on information requirements
    chunk_file: /psr/chunks/psr_t02_ch01_general_rules.md
    path: "Title II > Chapter 1 > Article 9"
    applies_to_entities:
      - payment_service_providers
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "41"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "41"
    recitals:
      - 55
      - 98
      - 140

  - article_number: 10
    article_title: Derogation from information requirements for low-value payment instruments and electronic money
    chunk_file: /psr/chunks/psr_t02_ch01_general_rules.md
    path: "Title II > Chapter 1 > Article 10"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
      - information_requirements
      - liability
    keywords:
      - liability
      - payee
      - payer
      - transaction
      - electronic money
      - POS
      - access
      - payment service
      - payment transaction
      - execution of a 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 19
      - target: Article 20
      - target: Article 24
      - target: Article 22
      - target: Article 19
        paragraph: "1"
      - target: Article 25
      - target: Article 26
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "42"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "42"
    recitals:
      - 68
      - 98

  - article_number: 11
    article_title: Scope
    chunk_file: /psr/chunks/psr_t02_ch02_single_payment_transactions.md
    path: "Title II > Chapter 2 > Article 11"
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "43"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "43"
    recitals: []

  - article_number: 12
    article_title: Prior general information
    chunk_file: /psr/chunks/psr_t02_ch02_single_payment_transactions.md
    path: "Title II > Chapter 2 > Article 12"
    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 13
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "44"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "44"
    recitals: []

  - article_number: 13
    article_title: Information and conditions
    chunk_file: /psr/chunks/psr_t02_ch02_single_payment_transactions.md
    path: "Title II > Chapter 2 > Article 13"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - single_payment_transactions
      - information_requirements
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - credit transfer
      - access
      - agent
      - branch
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment order
      - payment initiation service
      - payment initiation service provider
      - money remittance
      - funds
      - 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 90
      - target: Article 94
      - target: Article 95
      - target: Article 20
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "45"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "45"
    recitals: []

  - article_number: 14
    article_title: "Information for the payer and payee after the placement of a\n                  payment order"
    chunk_file: /psr/chunks/psr_t02_ch02_single_payment_transactions.md
    path: "Title II > Chapter 2 > Article 14"
    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
      - account servicing payment service provider
      - 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: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "46"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "46"
    recitals: []

  - article_number: 15
    article_title: "Information for the payer’s account servicing payment service provider\n               \n               where a payment order is placed through a payment initiation service"
    chunk_file: /psr/chunks/psr_t02_ch02_single_payment_transactions.md
    path: "Title II > Chapter 2 > Article 15"
    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
      - account servicing payment service provider
      - 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: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "47"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "47"
    recitals: []

  - article_number: 16
    article_title: Information for the payer after receipt of the payment order
    chunk_file: /psr/chunks/psr_t02_ch02_single_payment_transactions.md
    path: "Title II > Chapter 2 > Article 16"
    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
      - commercial trade name
    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 12
        paragraph: "1"
      - target: Article 13
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "48"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "48"
    recitals: []

  - article_number: 17
    article_title: Information for the payee after execution
    chunk_file: /psr/chunks/psr_t02_ch02_single_payment_transactions.md
    path: "Title II > Chapter 2 > Article 17"
    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 12
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "49"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "49"
    recitals: []

  - article_number: 18
    article_title: Scope
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 18"
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "50"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "50"
    recitals:
      - 115

  - article_number: 19
    article_title: Prior general information
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 19"
    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 20
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "51"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "51"
    recitals: []

  - article_number: 20
    article_title: Information and conditions
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 20"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - framework_contracts
      - information_requirements
      - fraud_prevention
      - authorisation
      - liability
      - refunds
    keywords:
      - fraud
      - liability
      - refund
      - authorisation
      - payee
      - payer
      - transaction
      - transfer
      - credit transfer
      - card
      - POS
      - ATM
      - security
      - agent
      - branch
      - network
      - RTS
      - ITS
      - notification
      - payment service
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 17
      - target: Article 18
      - target: Article 49
      - target: Article 66
      - target: Article 64
      - target: Article 51
        paragraph: "1"
      - target: Article 22
        paragraph: "3"
      - target: Article 21
      - target: Article 52
      - target: Article 51
      - target: Article 57
        paragraph: "5"
      - target: Article 59
        paragraph: "3"
      - target: Article 60
      - target: Article 59
      - target: Article 54
      - target: Article 56
      - target: Article 57
      - target: Article 75
      - target: Article 76
      - target: Article 62
      - target: Article 63
      - target: Article 22
      - target: Article 22
        paragraph: "1"
      - target: Article 23
      - target: Article 90
      - target: Article 94
      - target: Article 95
    external_references:
      - instrument_type: regulation
        reference: "2015/751"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "52"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "52"
    recitals: []

  - article_number: 21
    article_title: "Accessibility of information and conditions of the framework\n                  contract"
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 21"
    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 20
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "53"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "53"
    recitals: []

  - article_number: 22
    article_title: Changes in conditions of the framework contract
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 22"
    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 20
      - target: Article 19
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "54"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "54"
    recitals: []

  - article_number: 23
    article_title: Termination
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 23"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - framework_contracts
      - information_requirements
    keywords:
      - data
      - third party
      - 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 19
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "55"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "55"
    recitals: []

  - article_number: 24
    article_title: Information before execution of individual payment transactions
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 24"
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "56"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "56"
    recitals: []

  - article_number: 25
    article_title: Information for the payer on individual payment transactions
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 25"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - framework_contracts
      - information_requirements
    keywords:
      - payee
      - payer
      - transaction
      - data
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - payment order
      - framework contract
      - value date
      - durable medium
      - commercial trade name
    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 19
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "57"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "57"
    recitals: []

  - article_number: 26
    article_title: Information for the payee on individual payment transactions
    chunk_file: /psr/chunks/psr_t02_ch03_framework_contracts.md
    path: "Title II > Chapter 3 > Article 26"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - framework_contracts
      - information_requirements
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - data
      - 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 19
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "58"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "58"
    recitals: []

  - article_number: 27
    article_title: Scope
    chunk_file: /psr/chunks/psr_t03_ch01_common_provisions.md
    path: "Title III > Chapter 1 > Article 27"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
    keywords:
      - consumer
      - data
      - 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 28
        paragraph: "1"
      - target: Article 49
        paragraph: "7"
      - target: Article 55
      - target: Article 60
      - target: Article 62
      - target: Article 63
      - target: Article 66
      - target: Article 75
      - target: Article 76
      - target: Article 54
      - target: Article 95
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "61"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "61"
    recitals: []

  - article_number: 28
    article_title: Charges applicable
    chunk_file: /psr/chunks/psr_t03_ch01_common_provisions.md
    path: "Title III > Chapter 1 > Article 28"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - instant
      - data
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment instrument
      - instant credit transfer
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 65
        paragraph: "1"
      - target: Article 66
        paragraph: "5"
      - target: Article 74
        paragraph: "4"
    external_references:
      - instrument_type: regulation
        reference: "2015/751"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "62"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "62"
    recitals: []

  - article_number: 29
    article_title: "Derogation for low value payment instruments and electronic\n                  money"
    chunk_file: /psr/chunks/psr_t03_ch01_common_provisions.md
    path: "Title III > Chapter 1 > Article 29"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
      - authorisation
    keywords:
      - payee
      - payer
      - transaction
      - electronic money
      - POS
      - 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 52
      - target: Article 53
        paragraph: "1"
      - target: Article 60
        paragraph: "4"
      - target: Article 55
      - target: Article 56
      - target: Article 60
        paragraph: "1"
      - target: Article 65
        paragraph: "1"
      - target: Article 66
      - target: Article 69
      - target: Article 70
      - target: Article 60
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "63"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "63"
    recitals: []

  - article_number: 30
    article_title: Issuance and redeemability of electronic money
    chunk_file: /psr/chunks/psr_t03_ch01_common_provisions.md
    path: "Title III > Chapter 1 > Article 30"
    applies_to_entities:
      - payment_institutions
      - consumers
    topics:
      - payments
      - payment_services
      - general_provisions
    keywords:
      - consumer
      - electronic money
      - payment institution
      - funds
      - electronic money services
      - payment institution providing electronic money services
    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 10
        paragraph: "1"
    external_references: []
    amended_from:
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "11"
        note: Derived from PSR Annex III correlation table.
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "12"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "11"
        note: Derived from PSR Annex III correlation table.
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "12"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 31
    article_title: Access to payment systems
    chunk_file: /psr/chunks/psr_t03_ch02_access_to_payment_systems_and_to_account.md
    path: "Title III > Chapter 2 > Article 31"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - payment_systems
    topics:
      - payments
      - payment_services
      - payment_systems
      - data_access
      - authorisation
      - credit_risk
      - liquidity_risk
      - risk_assessment
    keywords:
      - transfer
      - POS
      - access
      - settlement
      - system
      - ITS
      - payment service
      - payment system
      - payment system operator
      - 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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "35"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "35"
    recitals: []

  - article_number: 32
    article_title: Provision by credit institutions of payment accounts to payment institutions
    chunk_file: /psr/chunks/psr_t03_ch02_access_to_payment_systems_and_to_account.md
    path: "Title III > Chapter 2 > Article 32"
    applies_to_entities:
      - payment_institutions
      - credit_institutions
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_services
      - payment_systems
      - data_access
      - authorisation
      - aml
    keywords:
      - license
      - POS
      - access
      - agent
      - ITS
      - EBA
      - notification
      - payment service
      - payment institution
      - payment account
      - distributor
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: true
    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"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "36"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "36"
    recitals:
      - 66

  - article_number: 33
    article_title: Rights of payment service users
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 33"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - access
      - payment service
      - payment service user
      - payment service provider
      - payment account
      - payment initiation service
      - account information 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: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "66"
        note: Derived from PSR Annex III correlation table.
      - document: psd-2
        title: Second Payment Services Directive
        article: "67"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "66"
        note: Derived from PSR Annex III correlation table.
      - document: psd-2
        title: Second Payment Services Directive
        article: "67"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 34
    article_title: Contractual relations
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 34"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - POS
      - data
      - access
      - payment service
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "66"
        note: Derived from PSR Annex III correlation table.
      - document: psd-2
        title: Second Payment Services Directive
        article: "67"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "66"
        note: Derived from PSR Annex III correlation table.
      - document: psd-2
        title: Second Payment Services Directive
        article: "67"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 35
    article_title: Provision of dedicated access interfaces
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 35"
    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
      - payment_initiation
      - open_banking
      - account_information
      - authorisation
    keywords:
      - authentication
      - interface
      - authorisation
      - payer
      - transaction
      - POS
      - data
      - access
      - system
      - notification
      - payment service
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - account information service provider
      - sensitive payment data
    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 38
      - target: Article 39
    external_references: []
    recitals:
      - 103

  - article_number: 36
    article_title: Requirements regarding dedicated data access interfaces
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 36"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
      - strong_customer_authentication
    keywords:
      - authentication
      - interface
      - payee
      - payer
      - transaction
      - direct debit
      - credential
      - security
      - data
      - access
      - ITS
      - payment service
      - payment transaction
      - execution of a payment transaction
      - payment service user
      - payment service provider
      - payment account
      - payment order
      - account servicing payment service provider
      - payment initiation service
    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
        paragraph: "1"
      - target: Article 49
        paragraph: "2"
    external_references: []
    recitals:
      - 103

  - article_number: 37
    article_title: Data access parity between dedicated access interface and customer interface
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 37"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - interface
      - transaction
      - data
      - access
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment account
      - payment order
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - sensitive payment data
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 36
      - target: Article 35
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 38
    article_title: Contingency measures for an unavailable dedicated interface
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 38"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - competent_authorities
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
      - authorisation
      - competent_authorities
    keywords:
      - authentication
      - API
      - interface
      - authorisation
      - data
      - access
      - ITS
      - payment service
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - 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:
      - target: Article 45
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 39
    article_title: Derogation from having a dedicated interface for data access
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 39"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - authentication
      - interface
      - data
      - access
      - ITS
      - EBA
      - payment service
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - account information service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 35
        paragraph: "1"
      - 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: 40
    article_title: Obligations on account servicing payment service providers regarding payment initiation services
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 40"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - access
      - payment service
      - payment transaction
      - payment service provider
      - payment order
      - account servicing payment service provider
      - 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: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "66"
        note: ASPSP obligations re PIS — reformulated from PSD2 Art 66.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "66"
        note: ASPSP obligations re PIS — reformulated from PSD2 Art 66.
    recitals: []

  - article_number: 41
    article_title: Obligations of account servicing payment service providers regarding account information services
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 41"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - account_information_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - interface
      - transaction
      - POS
      - data
      - access
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment account
      - account servicing payment service provider
      - account information service
      - account information 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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "67"
        note: ASPSP obligations re AIS — reformulated from PSD2 Art 67.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "67"
        note: ASPSP obligations re AIS — reformulated from PSD2 Art 67.
    recitals: []

  - article_number: 42
    article_title: Restriction of access to payment accounts by account information service providers and payment initiation service providers
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 42"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - competent_authorities
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
      - authorisation
      - competent_authorities
    keywords:
      - fraud
      - transaction
      - POS
      - security
      - access
      - payment service
      - payment transaction
      - initiation of a payment transaction
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - account information 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 49
        paragraph: "3"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "68"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "68"
        note: Derived from PSR Annex III correlation table.
    recitals:
      - 147

  - article_number: 43
    article_title: Data access management by payment service users
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 43"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - interface
      - POS
      - data
      - access
      - ITS
      - payment service
      - payment service user
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - account information service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 44
    article_title: Prohibited obstacles to data access
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 44"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
      - strong_customer_authentication
    keywords:
      - authentication
      - interface
      - payee
      - payer
      - POS
      - credential
      - data
      - access
      - ITS
      - payment service
      - payment service user
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - strong customer authentication
      - sensitive payment data
      - unique identifier
    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 43
    external_references: []
    recitals: []

  - article_number: 45
    article_title: Use of the customer interface by account information service providers and payment initiation service providers
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 45"
    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
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - authentication
      - interface
      - POS
      - data
      - access
      - ITS
      - payment service
      - payment service user
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - 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:
      - target: Article 35
      - target: Article 38
        paragraph: "4"
      - target: Article 38
        paragraph: "5"
      - target: Article 39
    external_references: []
    recitals: []

  - article_number: 46
    article_title: Specific obligations of payment initiation service providers
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 46"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
      - data_protection
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - credential
      - security
      - data
      - access
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - account servicing payment service provider
      - payment initiation service
      - payment initiation service provider
      - funds
      - personalised security credentials
      - sensitive payment data
    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 49
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "66"
        note: PISP specific obligations — second half of PSD2 Art 66.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "66"
        note: PISP specific obligations — second half of PSD2 Art 66.
    recitals: []

  - article_number: 47
    article_title: Specific obligations of and other provisions concerning account information service providers
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 47"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - account_information_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
    keywords:
      - transaction
      - POS
      - credential
      - security
      - data
      - access
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment account
      - account servicing payment service provider
      - account information service
      - account information service provider
      - personalised security credentials
      - sensitive payment data
    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 49
      - target: Article 4
      - target: Article 5
      - target: Article 6
      - target: Article 7
      - target: Article 8
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 14
      - target: Article 15
      - target: Article 16
      - target: Article 17
      - target: Article 18
      - target: Article 19
      - 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 50
      - target: Article 51
      - target: Article 53
      - target: Article 54
      - target: Article 55
      - target: Article 56
      - target: Article 57
      - target: Article 58
      - target: Article 59
      - target: Article 60
      - target: Article 61
      - target: Article 62
      - target: Article 63
      - target: Article 64
      - target: Article 65
      - target: Article 66
      - target: Article 67
      - target: Article 68
      - target: Article 69
      - target: Article 70
      - target: Article 71
      - target: Article 72
      - target: Article 73
      - target: Article 74
      - target: Article 75
      - target: Article 76
      - target: Article 77
      - target: Article 78
      - target: Article 79
      - target: Article 83
      - target: Article 84
    external_references:
      - instrument_type: regulation
        reference: "2016/679"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "67"
        note: AISP specific obligations — second half of PSD2 Art 67.
      - document: psd-2
        title: Second Payment Services Directive
        article: "33"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "67"
        note: AISP specific obligations — second half of PSD2 Art 67.
      - document: psd-2
        title: Second Payment Services Directive
        article: "33"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 48
    article_title: Role of competent authorities
    chunk_file: /psr/chunks/psr_t03_ch03_account_information_services_and_payment.md
    path: "Title III > Chapter 3 > Article 48"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_services
      - payment_initiation
      - open_banking
      - account_information
      - data_protection
      - competent_authorities
    keywords:
      - API
      - interface
      - sanction
      - POS
      - data
      - access
      - RTS
      - ITS
      - EBA
      - reporting
      - payment service
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - account information service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 35
        paragraph: "1"
      - target: Article 44
      - target: Article 38
        paragraph: "4"
      - target: Article 29
      - target: Article 31
      - target: Article 10
    external_references:
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 49
    article_title: Authorisation
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 49"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - authorisation
      - payee
      - payer
      - transaction
      - POS
      - data
      - access
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - account information 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: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "64"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "64"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 50
    article_title: Discrepancies between the name and unique identifier of a payee in case of credit transfers
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 50"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - credit transfer
      - instant
      - POS
      - ITS
      - notification
      - payment service
      - payment service user
      - payment service provider
      - payment account
      - payment order
      - instant credit transfer
      - funds
      - unique identifier
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 51
    article_title: Limits and blocking of the use of the payment instrument
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 51"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - liability
    keywords:
      - fraud
      - liability
      - payer
      - transaction
      - POS
      - security
      - ITS
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment instrument
      - 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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "68"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "68"
    recitals: []

  - article_number: 52
    article_title: Obligations of the payment service user in relation to payment instruments and personalised security credentials
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 52"
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "69"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "69"
    recitals: []

  - article_number: 53
    article_title: "Obligations of the payment service provider in relation to payment\n                  instruments"
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 53"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - POS
      - credential
      - security
      - access
      - ITS
      - 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 52
      - target: Article 51
        paragraph: "4"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "70"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "70"
    recitals: []

  - article_number: 54
    article_title: "Notification and rectification of unauthorised, authorised or incorrectly executed payment transactions"
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 54"
    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
      - account servicing payment service provider
      - payment initiation service
      - payment initiation 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 57
      - target: Article 59
      - target: Article 75
      - target: Article 56
        paragraph: "4"
      - target: Article 75
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "71"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "71"
    recitals: []

  - article_number: 55
    article_title: Evidence on authorisation and execution of payment transactions
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 55"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - fraud_prevention
    keywords:
      - fraud
      - authorisation
      - 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 52
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "72"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "72"
    recitals: []

  - article_number: 56
    article_title: "Payment service provider’s liability for unauthorised payment\n                  transactions"
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 56"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - 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
      - account servicing payment service provider
      - payment initiation service
      - payment initiation service provider
      - 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 54
      - target: Article 90
      - target: Article 91
      - target: Article 93
      - target: Article 94
      - target: Article 95
      - target: Article 55
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "73"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "73"
    recitals: []

  - article_number: 57
    article_title: Payment service provider’s liability for incorrect application of the matching verification service
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 57"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - liability
      - refunds
    keywords:
      - fraud
      - liability
      - refund
      - payee
      - payer
      - transaction
      - transfer
      - credit transfer
      - instant
      - payment service
      - payment service provider
      - instant credit transfer
      - unique identifier
      - 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 50
        paragraph: "1"
      - target: Article 90
      - target: Article 91
      - target: Article 93
      - target: Article 94
      - target: Article 95
      - target: Article 50
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 58
    article_title: Liability of technical service providers and of operators of payment schemes for failure to support the application of strong customer authentication
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 58"
    applies_to_entities:
      - payment_service_providers
      - consumers
      - technical_service_providers
      - payment_schemes
    topics:
      - payments
      - payment_services
      - authorisation
      - strong_customer_authentication
      - liability
    keywords:
      - authentication
      - liability
      - payee
      - payer
      - scheme
      - payment service
      - payment service provider
      - strong customer authentication
      - technical service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals:
      - 144

  - article_number: 59
    article_title: Payment service provider’s liability for impersonation fraud
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 59"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - fraud_prevention
      - liability
      - refunds
    keywords:
      - fraud
      - liability
      - refund
      - consumer
      - transaction
      - security
      - third party
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - 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 90
      - target: Article 91
      - target: Article 93
      - target: Article 94
      - target: Article 95
    external_references:
      - instrument_type: directive
        reference: "2002/58/EC"
    recitals: []

  - article_number: 60
    article_title: Payer’s liability for unauthorised payment transactions
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 60"
    applies_to_entities:
      - payment_service_providers
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - strong_customer_authentication
      - liability
      - refunds
      - outsourcing
    keywords:
      - fraud
      - authentication
      - liability
      - refund
      - payee
      - payer
      - transaction
      - credential
      - security
      - agent
      - branch
      - system
      - 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 56
      - target: Article 52
      - target: Article 85
      - target: Article 53
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "74"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "74"
    recitals: []

  - article_number: 61
    article_title: Payment transactions where the transaction amount is not known in advance
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 61"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
    keywords:
      - payee
      - payer
      - transaction
      - card
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - funds
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "75"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "75"
    recitals: []

  - article_number: 62
    article_title: Refunds for payment transactions initiated by or through a payee
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 62"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - refunds
    keywords:
      - refund
      - authorisation
      - payee
      - payer
      - transaction
      - direct debit
      - POS
      - 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 63
      - target: Article 13
        paragraph: "1"
      - target: Article 20
    external_references:
      - instrument_type: regulation
        reference: "260/2012"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "76"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "76"
    recitals: []

  - article_number: 63
    article_title: Requests for refunds for payment transactions initiated by or
    chunk_file: /psr/chunks/psr_t03_ch04_authorisation_of_payment_transactions.md
    path: "Title III > Chapter 4 > Article 63"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - authorisation
      - refunds
    keywords:
      - refund
      - payee
      - payer
      - transaction
      - payment service
      - payment transaction
      - payment service provider
      - funds
      - business day
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 62
      - target: Article 90
      - target: Article 91
      - target: Article 93
      - target: Article 94
      - target: Article 95
      - target: Article 62
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "77"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "77"
    recitals: []

  - article_number: 64
    article_title: Receipt of payment orders
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 64"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
    keywords:
      - payer
      - transfer
      - credit transfer
      - instant
      - POS
      - payment service
      - payment service user
      - payment service provider
      - payment order
      - instant credit transfer
      - 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 69
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "78"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "78"
    recitals: []

  - article_number: 65
    article_title: Refusal of payment orders
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 65"
    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
      - account servicing payment service provider
      - payment initiation service
      - 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 69
      - target: Article 75
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "79"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "79"
    recitals: []

  - article_number: 66
    article_title: Irrevocability of a payment order
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 66"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
      - refunds
    keywords:
      - refund
      - payee
      - payer
      - transaction
      - direct debit
      - 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 64
        paragraph: "2"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "80"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "80"
    recitals: []

  - article_number: 67
    article_title: Amounts transferred and amounts received
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 67"
    applies_to_entities:
      - payment_service_providers
      - 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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "81"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "81"
    recitals: []

  - article_number: 68
    article_title: Scope
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 68"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
    keywords:
      - transaction
      - transfer
      - POS
      - cross-border
      - payment service
      - payment transaction
      - payment service 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 73
      - target: Article 69
      - target: Article 64
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "82"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "82"
    recitals: []

  - article_number: 69
    article_title: Payment transactions to a payment account
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 69"
    applies_to_entities:
      - payment_service_providers
      - 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 64
      - target: Article 73
    external_references:
      - instrument_type: regulation
        reference: "260/2012"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "83"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "83"
    recitals: []

  - article_number: 70
    article_title: "Absence of payee’s payment account with the payment service\n                  provider"
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 70"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
    keywords:
      - payee
      - payment service
      - payment service provider
      - payment account
      - funds
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 69
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "84"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "84"
    recitals: []

  - article_number: 71
    article_title: Cash placed on a payment account
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 71"
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "85"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "85"
    recitals: []

  - article_number: 72
    article_title: National payment transactions
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 72"
    applies_to_entities:
      - member_states
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
    keywords:
      - transaction
      - payment transaction
    contains:
      obligations: false
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "86"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "86"
    recitals: []

  - article_number: 73
    article_title: Value date and availability of funds
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 73"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - funds
      - value date
      - business day
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "87"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "87"
    recitals: []

  - article_number: 74
    article_title: Incorrect unique identifiers
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 74"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_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 initiation service
      - payment initiation service provider
      - 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 75
      - target: Article 13
        paragraph: "1"
      - target: Article 20
      - target: Article 76
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "88"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "88"
    recitals: []

  - article_number: 75
    article_title: "Payment service providers’ liability for non-execution, defective or late execution of payment transactions"
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 75"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - execution
      - payment_processing
      - liability
      - refunds
    keywords:
      - liability
      - refund
      - payee
      - payer
      - transaction
      - POS
      - RTS
      - ITS
      - payment service
      - payment transaction
      - payment service 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 54
      - target: Article 74
        paragraph: "2"
      - target: Article 74
        paragraph: "3"
      - target: Article 79
      - target: Article 69
        paragraph: "1"
      - target: Article 73
      - target: Article 69
        paragraph: "3"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "89"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "89"
    recitals: []

  - article_number: 76
    article_title: "Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions"
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 76"
    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
      - payee
      - payer
      - transaction
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - payment order
      - account servicing payment service provider
      - 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 54
      - target: Article 74
        paragraph: "2"
      - target: Article 74
        paragraph: "3"
      - target: Article 64
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "90"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "90"
    recitals: []

  - article_number: 77
    article_title: Additional financial compensation
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 77"
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "91"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "91"
    recitals: []

  - article_number: 78
    article_title: Right of recourse
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 78"
    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 56
      - target: Article 57
      - target: Article 59
      - target: Article 75
      - target: Article 76
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "92"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "92"
    recitals: []

  - article_number: 79
    article_title: Abnormal and unforeseeable circumstances
    chunk_file: /psr/chunks/psr_t03_ch05_execution_of_payment_transactions.md
    path: "Title III > Chapter 5 > Article 79"
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "93"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "93"
    recitals: []

  - article_number: 80
    article_title: Data protection
    chunk_file: /psr/chunks/psr_t03_ch06_data_protection.md
    path: "Title III > Chapter 6 > Article 80"
    applies_to_entities:
      - payment_service_providers
      - payment_systems
    topics:
      - payments
      - payment_services
      - consumer_protection
      - data_protection
    keywords:
      - POS
      - security
      - data
      - access
      - privacy
      - system
      - payment service
      - payment system
      - 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:
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "2018/1725"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "94"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "94"
    recitals: []

  - article_number: 81
    article_title: Management of operational and security risks
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 81"
    applies_to_entities:
      - payment_service_providers
      - payment_institutions
      - account_information_service_providers
      - competent_authorities
      - european_banking_authority
      - european_central_bank
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
    keywords:
      - security
      - network
      - EBA
      - payment service
      - payment institution
      - payment service provider
      - account information service
      - account information 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 2
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "2022/2554"
      - instrument_type: regulation
        reference: "1093/2010"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "95"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "95"
    recitals: []

  - article_number: 82
    article_title: Fraud reporting
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 82"
    applies_to_entities:
      - payment_service_providers
      - competent_authorities
      - european_banking_authority
      - european_commission
      - european_central_bank
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - fraud_prevention
      - competent_authorities
    keywords:
      - fraud
      - data
      - EBA
      - reporting
      - payment service
      - payment service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: true
      transitional: true
    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"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "96"
        note: Fraud reporting — split out from PSD2 Art 96.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "96"
        note: Fraud reporting — split out from PSD2 Art 96.
    recitals: []

  - article_number: 83
    article_title: Transaction monitoring mechanisms and fraud data sharing
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 83"
    applies_to_entities:
      - payment_service_providers
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - fraud_prevention
      - data_protection
      - open_banking
    keywords:
      - fraud
      - authentication
      - payee
      - transaction
      - transfer
      - credit transfer
      - POS
      - credential
      - security
      - data
      - access
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment account
      - payment initiation service
      - strong customer authentication
      - personalised security credentials
      - 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 85
      - target: Article 85
        paragraph: "11"
      - target: Article 35
      - target: Article 36
    external_references:
      - instrument_type: regulation
        reference: "2016/679"
    recitals: []

  - article_number: 84
    article_title: Payment fraud risks and trends
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 84"
    applies_to_entities:
      - payment_service_providers
      - european_banking_authority
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - fraud_prevention
    keywords:
      - fraud
      - API
      - security
      - EBA
      - guidelines
      - payment service
      - payment service provider
      - group
    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: []
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 85
    article_title: Strong customer authentication
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 85"
    applies_to_entities:
      - payment_service_providers
      - european_banking_authority
      - consumers
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - fraud_prevention
    keywords:
      - fraud
      - authentication
      - payee
      - payer
      - transaction
      - direct debit
      - POS
      - credential
      - security
      - access
      - ITS
      - EBA
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
      - payment account
      - payment order
      - mandate
      - payment instrument
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 61
      - target: Article 62
      - target: Article 63
      - target: Article 89
      - target: Article 3
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "97"
      - document: psd-2
        title: Second Payment Services Directive
        article: "98"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "97"
      - document: psd-2
        title: Second Payment Services Directive
        article: "98"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 86
    article_title: Strong customer authentication in respect of payment initiation and account information services
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 86"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - consumers
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - fraud_prevention
    keywords:
      - fraud
      - authentication
      - data
      - access
      - payment service
      - payment service user
      - payment service provider
      - payment account
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - account information service provider
      - strong customer authentication
    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 85
        paragraph: "9"
      - target: Article 85
        paragraph: "10"
      - target: Article 85
        paragraph: "1"
      - target: Article 85
        paragraph: "8"
      - target: Article 85
        paragraph: "11"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "97"
        note: SCA for PIS/AIS — detail split from PSD2 Art 97.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "97"
        note: SCA for PIS/AIS — detail split from PSD2 Art 97.
    recitals: []

  - article_number: 87
    article_title: Outsourcing agreements for the application of strong customer authentication
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 87"
    applies_to_entities:
      - payment_service_providers
      - consumers
      - technical_service_providers
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - liability
      - outsourcing
    keywords:
      - authentication
      - liability
      - payer
      - security
      - outsourcing
      - ITS
      - payment service
      - payment service provider
      - strong customer authentication
      - technical service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 88
    article_title: Accessibility requirements regarding strong customer authentication
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 88"
    applies_to_entities:
      - payment_service_providers
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
    keywords:
      - authentication
      - POS
      - access
      - payment service
      - payment service provider
      - payment instrument
      - strong customer authentication
    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: directive
        reference: "2019/882"
    recitals: []

  - article_number: 89
    article_title: "Regulatory technical standards on authentication, communication and transaction monitoring mechanisms"
    chunk_file: /psr/chunks/psr_t03_ch07_operational_and_security_risks_and_authe.md
    path: "Title III > Chapter 7 > Article 89"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - european_banking_authority
      - european_commission
      - consumers
      - technical_service_providers
    topics:
      - payments
      - payment_services
      - strong_customer_authentication
      - security
      - operational_resilience
      - fraud_prevention
      - data_protection
      - outsourcing
    keywords:
      - fraud
      - authentication
      - interface
      - payee
      - payer
      - transaction
      - wallet
      - POS
      - credential
      - security
      - data
      - access
      - outsourcing
      - EBA
      - reporting
      - notification
      - payment service
      - payment transaction
      - payment service user
      - payment service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 85
      - target: Article 85
        paragraph: "1"
      - target: Article 85
        paragraph: "8"
      - target: Article 85
        paragraph: "9"
      - target: Article 85
        paragraph: "11"
      - target: Article 85
        paragraph: "10"
      - target: Article 87
      - target: Article 83
      - 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"
      - instrument_type: regulation
        reference: "2022/2554"
      - instrument_type: regulation
        reference: "910/2014"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "98"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "98"
    recitals: []

  - article_number: 90
    article_title: Complaints
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 90"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
    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 95
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "99"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "99"
    recitals: []

  - article_number: 91
    article_title: Competent authorities and investigatory powers
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 91"
    applies_to_entities:
      - payment_institutions
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - technical_service_providers
      - payment_systems
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - outsourcing
      - competent_authorities
      - payment_systems
      - conflicts_of_interest
    keywords:
      - sanction
      - POS
      - ATM
      - consent
      - agent
      - branch
      - system
      - EBA
      - guidelines
      - notification
      - payment service
      - payment institution
      - payment system
      - payment system operator
      - payment account
      - technical service provider
      - distributor
      - atm deployer
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 96
      - target: Article 90
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "100"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "100"
    recitals: []

  - article_number: 92
    article_title: Professional secrecy
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 92"
    applies_to_entities:
      - competent_authorities
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
    keywords:
      - RTS
    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 93
    external_references: []
    recitals: []

  - article_number: 93
    article_title: Jurisdiction and cooperation of competent authorities
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 93"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - technical_service_providers
      - payment_systems
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - competent_authorities
      - payment_systems
    keywords:
      - sanction
      - ATM
      - agent
      - branch
      - system
      - home member state
      - host member state
      - payment service
      - payment system
      - payment system operator
      - payment service provider
      - payment account
      - technical service provider
      - atm deployer
    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: []
    recitals: []

  - article_number: 94
    article_title: Dispute resolution
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 94"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - competent_authorities
    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: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "101"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "101"
    recitals:
      - 69

  - article_number: 95
    article_title: ADR procedures
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 95"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
    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"
      - instrument_type: directive
        reference: "2013/11/EU"
      - instrument_type: directive
        reference: "2013/11/EU"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "102"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "102"
    recitals: []

  - article_number: 96
    article_title: Administrative sanctions and administrative measures
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 96"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - competent_authorities
      - governance
    keywords:
      - sanction
      - settlement
      - payment service
      - payment service provider
    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 103
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "103"
        note: "Administrative sanctions — PSR restructures PSD2's penalties regime."
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "103"
        note: "Administrative sanctions — PSR restructures PSD2's penalties regime."
    recitals: []

  - article_number: 97
    article_title: Administrative sanctions and other administrative measures for specific infringements
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 97"
    applies_to_entities:
      - payment_service_providers
      - account_servicing_payment_service_providers
      - payment_initiation_service_providers
      - account_information_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - fraud_prevention
      - strong_customer_authentication
      - governance
      - financial_statements
      - consolidation
    keywords:
      - fraud
      - authentication
      - sanction
      - penalty
      - POS
      - ATM
      - data
      - access
      - ITS
      - payment service
      - payment service user
      - payment service provider
      - account servicing payment service provider
      - payment initiation service
      - account information service
      - payment initiation service provider
      - account information service provider
      - strong customer authentication
      - distributor
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 96
        paragraph: "2"
      - target: Article 32
      - target: Article 45
      - target: Article 85
      - target: Article 86
      - target: Article 87
      - target: Article 56
        paragraph: "2"
      - target: Article 57
        paragraph: "2"
      - target: Article 59
        paragraph: "2"
      - target: Article 98
        paragraph: "1"
      - target: Article 98
    external_references:
      - instrument_type: directive
        reference: "2013/34/EU"
      - instrument_type: directive
        reference: "2013/34/EU"
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "103"
        note: Sanctions for specific infringements — split from PSD2 Art 103.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "103"
        note: Sanctions for specific infringements — split from PSD2 Art 103.
    recitals: []

  - article_number: 98
    article_title: Periodic penalty payments
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 98"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - competent_authorities
    keywords:
      - penalty
      - POS
    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 97
        paragraph: "3"
    external_references: []
    recitals: []

  - article_number: 99
    article_title: Elements to be considered when determining administrative sanctions and other administrative measures
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 99"
    applies_to_entities:
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
    keywords:
      - sanction
      - consumer
      - settlement
      - system
      - ITS
      - payment service
    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 96
        paragraph: "4"
      - target: Article 96
      - target: Article 97
    external_references: []
    recitals: []

  - article_number: 100
    article_title: Right of appeal
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 100"
    applies_to_entities:
      - competent_authorities
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
    keywords:
      - RTS
    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: 101
    article_title: Publication of administrative sanctions and administrative measures
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 101"
    applies_to_entities:
      - competent_authorities
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - data_protection
      - competent_authorities
    keywords:
      - sanction
      - POS
      - data
      - settlement
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 97
        paragraph: "2"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "103"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "103"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 102
    article_title: "Monitoring of proceedings, sanctions and measures"
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 102"
    applies_to_entities:
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - competent_authorities
    keywords:
      - sanction
      - penalty
      - POS
      - settlement
      - EBA
    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 98
      - target: Article 96
        paragraph: "4"
      - target: Article 91
        paragraph: "4"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 103
    article_title: Notification of implementing measures
    chunk_file: /psr/chunks/psr_t03_ch08_enforcement_procedures_competent_authori.md
    path: "Title III > Chapter 8 > Article 103"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - payments
      - payment_services
      - enforcement
      - sanctions
      - implementing_acts
    keywords:
      - notification
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 104
    article_title: EBA temporary intervention powers
    chunk_file: /psr/chunks/psr_t03_ch09_product_intervention_powers_by_the_eba.md
    path: "Title III > Chapter 9 > Article 104"
    applies_to_entities:
      - competent_authorities
      - european_banking_authority
      - consumers
    topics:
      - payments
      - payment_services
      - product_intervention
    keywords:
      - fraud
      - consumer
      - electronic money
      - POS
      - ITS
      - EBA
      - payment service
      - electronic money services
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 106
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 105
    article_title: Delegated acts
    chunk_file: /psr/chunks/psr_t04_delegated_acts.md
    path: "Title IV > Article 105"
    applies_to_entities: []
    topics:
      - payments
      - payment_services
      - delegated_acts
    keywords: []
    contains:
      obligations: false
      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 106
      - target: Article 58
        paragraph: "1"
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "104"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "104"
    recitals: []

  - article_number: 106
    article_title: Exercise of the delegation
    chunk_file: /psr/chunks/psr_t04_delegated_acts.md
    path: "Title IV > Article 106"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - payments
      - payment_services
      - delegated_acts
    keywords:
      - RTS
      - 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: true
    internal_references:
      - target: Article 105
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "105"
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "105"
    recitals: []

  - article_number: 107
    article_title: More favourable refund rights and stricter fraud prevention measures
    chunk_file: /psr/chunks/psr_t05_final_provisions.md
    path: "Title V > Article 107"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_services
      - final_provisions
      - fraud_prevention
      - authorisation
      - refunds
    keywords:
      - fraud
      - refund
      - transfer
      - credit transfer
      - payment service
      - payment service user
      - 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: true
    internal_references:
      - target: Article 57
      - target: Article 59
      - target: Article 83
        paragraph: "1"
      - target: Article 84
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "107"
        note: Full harmonisation / more favourable rules — PSD2 Art 107 ↔ PSR Art 107.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "107"
        note: Full harmonisation / more favourable rules — PSD2 Art 107 ↔ PSR Art 107.
    recitals: []

  - article_number: 108
    article_title: Review clause
    chunk_file: /psr/chunks/psr_t05_final_provisions.md
    path: "Title V > Article 108"
    applies_to_entities:
      - payment_initiation_service_providers
      - european_commission
      - european_central_bank
      - technical_service_providers
      - payment_schemes
      - payment_systems
    topics:
      - payments
      - payment_services
      - final_provisions
      - fraud_prevention
      - authorisation
      - open_banking
    keywords:
      - fraud
      - interface
      - transaction
      - POS
      - data
      - access
      - system
      - scheme
      - ITS
      - payment system
      - payment account
      - payment initiation service
      - account information service
      - payment initiation service provider
      - technical 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: true
    internal_references:
      - target: Article 38
      - target: Article 39
      - target: Article 34
      - target: Article 28
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "108"
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "17"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "108"
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "17"
        note: Derived from PSR Annex III correlation table.
    recitals: []

  - article_number: 109
    article_title: Amendments to Regulation (EU) No 1093/2010
    chunk_file: /psr/chunks/psr_t05_final_provisions.md
    path: "Title V > Article 109"
    applies_to_entities:
      - credit_institutions
      - competent_authorities
      - european_central_bank
      - financial_entities
    topics:
      - payments
      - payment_services
      - final_provisions
    keywords:
      - RTS
    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: "2"
      - target: Article 4
        paragraph: "2"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2002/87/EC"
      - instrument_type: directive
        reference: "2008/48/EC"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2014/49/EU"
      - instrument_type: directive
        reference: "2014/92/EU"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: regulation
        reference: "1024/2013"
    recitals: []

  - article_number: 110
    article_title: Amendment to Regulation (EU) No 2017/2394
    chunk_file: /psr/chunks/psr_t05_final_provisions.md
    path: "Title V > Article 110"
    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: regulation
        reference: "2017/2394"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 111
    article_title: Correlation table
    chunk_file: /psr/chunks/psr_t05_final_provisions.md
    path: "Title V > Article 111"
    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: "2015/2366"
      - instrument_type: directive
        reference: "2009/110/EC"
    recitals: []

  - article_number: 112
    article_title: Entry into force and application
    chunk_file: /psr/chunks/psr_t05_final_provisions.md
    path: "Title V > Article 112"
    applies_to_entities:
      - payment_service_providers
    topics:
      - payments
      - payment_services
      - final_provisions
      - funds_transfer
    keywords:
      - transaction
      - transfer
      - electronic money
      - ITS
      - payment service
      - payment transaction
      - payment service provider
      - payment account
      - payment instrument
      - payment initiation service
      - account information service
      - money remittance
      - funds
      - acquiring of payment transactions
      - issuing of payment instruments
      - electronic money services
    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
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        paragraph: "1"
      - target: Article 101
        paragraph: "2"
      - target: Article 94
        paragraph: "2"
      - target: Article 101
        paragraph: "3"
      - target: Article 94
        paragraph: "3"
      - target: Article 101
        paragraph: "4"
      - target: Article 94
        paragraph: "4"
      - target: Article 102
        paragraph: "1"
      - target: Article 102
        paragraph: "2"
      - target: Article 103
        paragraph: "1"
      - target: Article 103
        paragraph: "2"
      - target: Article 102
      - target: Article 104
      - target: Article 105
      - target: Article 105
        paragraph: "1"
      - target: Article 106
        paragraph: "1"
      - target: Article 105
        paragraph: "2"
      - target: Article 41
        paragraph: "2"
      - target: Article 106
        paragraph: "2"
      - target: Article 105
        paragraph: "3"
      - target: Article 41
        paragraph: "3"
      - target: Article 106
        paragraph: "3"
      - target: Article 106
        paragraph: "4"
      - target: Article 105
        paragraph: "4"
      - target: Article 41
        paragraph: "4"
      - target: Article 106
        paragraph: "5"
      - target: Article 105
        paragraph: "5"
      - target: Article 41
        paragraph: "5"
      - target: Article 106
        paragraph: "6"
      - target: Article 106
      - target: Article 107
        paragraph: "1"
      - target: Article 107
        paragraph: "2"
      - target: Article 107
        paragraph: "3"
      - target: Article 42
        paragraph: "3"
      - target: Article 107
      - target: Article 108
      - target: Article 43
      - target: Article 109
        paragraph: "1"
      - target: Article 109
        paragraph: "2"
      - target: Article 109
        paragraph: "3"
      - target: Article 109
        paragraph: "4"
      - target: Article 44
        paragraph: "4"
      - target: Article 109
        paragraph: "5"
      - target: Article 114
      - target: Article 115
        paragraph: "1"
      - target: Article 115
        paragraph: "2"
      - target: Article 115
        paragraph: "3"
      - target: Article 115
        paragraph: "4"
      - target: Article 115
        paragraph: "5"
      - target: Article 115
        paragraph: "6"
      - target: Article 116
      - target: Article 23
      - target: Article 112
      - target: Article 117
      - target: Article 51
    external_references: []
    amended_from:
      - document: psd-2
        title: Second Payment Services Directive
        article: "116"
        note: Derived from PSR Annex III correlation table.
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "23"
        note: Derived from PSR Annex III correlation table.
    predecessor:
      - document: psd-2
        title: Second Payment Services Directive
        article: "116"
        note: Derived from PSR Annex III correlation table.
      - document: emd2
        title: E-Money Directive 2009/110/EC
        article: "23"
        note: Derived from PSR Annex III correlation table.
    recitals: []