# PSR Article 116 — More favourable refund rights and stricter fraud prevention measures

Textual state: amended_substantial. 62 words changed

- Compared text: Council position at first reading (Council document 8543/26) — not yet law.
- Compared against: Council document 8221/26 — superseded.
- Classification is mechanical; method: https://paymentslaw.eu/method/
- Editorial review state: not_assessed. Editor's notes are selective, not a complete assessment.

Word-level diff for each step, earlier → later edition: `{+text+}` was inserted, `[-text-]` was deleted.

## Step 1 · Commission proposal (2023) to Council compromise text (April 2026)

Article 107 → 107. Textual state: unchanged. No text changes from the 2023 proposal.

- Editorial review state: not_assessed.

### Paragraph 1

1. Member States or payment service providers may grant payment service users more favourable refund rights in relation to authorised credit transfers as referred to in Articles 57 and 59 and provide for stricter fraud prevention measures that go beyond those set out in Article 83(1) and Article 84.

### Paragraph 2

2. Member States shall, by [ OP please insert the date= the date of entry into force of this Regulation], notify to the Commission the provisions adopted pursuant to paragraph 1. They shall, without delay, notify any subsequent amendment to the Commission.

## Step 2 · Council compromise text (April 2026) to Council position at first reading (October 2026)

Article 107 → 116. Textual state: amended_substantial. 62 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Member States or payment service providers may grant payment service users more favourable refund rights in relation to authorised credit transfers as referred to in Articles [-57 -]{+58 +}and [-59 -]{+60 +}and provide for stricter fraud prevention measures that go beyond those set out in Article [-83(1) -]{+87(1) +}and Article [-84. -]{+90.+}

### Paragraph 2

2. [-Member States shall, by [ OP please insert -]{+By … [21 months from +}the [-date= the -]date of entry into force of this Regulation], {+Member States shall +}notify to the Commission the provisions [-adopted -]{+of the law they adopt +}pursuant to paragraph 1. They [-shall, without delay, -]{+shall +}notify {+the Commission without undue delay of +}any subsequent [-amendment to -]{+amendments thereto and of any provisions of +}the [-Commission. -]{+law which they adopt pursuant to paragraph 1 at a later date.+}