# PSR Article 27 — Scope

Textual state: amended_substantial. 85 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- Compared against: Council document 8221/26 — superseded.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 27 → 27. Textual state: unchanged. No text changes from the 2023 proposal.

- Editorial review state: not_assessed.

### Paragraph 1

1. Where the payment service user is not a consumer, the payment service user and the payment service provider may agree that Article 28(1), Article 49(7), and Articles 55, 60, 62, 63, 66, 75 and 76 do not apply in whole or in part. The payment service user and the payment service provider may also agree on time limits that are different from those laid down in Article 54.

### Paragraph 2

2. Member States may provide that Article 95 does not apply where the payment service user is not a consumer.

### Paragraph 3

3. Member States may provide that provisions in this Title are applied to microenterprises in the same way as to consumers.

### Paragraph 4

4. Member States shall [ OP please insert the date = data of application of this Regulation] notify to the Commission the provisions of their law adopted pursuant to paragraph 2 and 3. They shall, without delay, notify any subsequent amendment to such provisions.

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

Article 27 → 27. Textual state: amended_substantial. 85 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Where the payment service user is not a consumer, the payment service user and the payment service provider may agree that Article 28(1), Article [-49(7), -]{+50(7), +}and Articles [-55, 60, 62, -]{+56, +}63, {+65, +}66, [-75 -]{+69, 79 +}and [-76 -]{+80 +}do not apply in whole or in part. The payment service user and the payment service provider may also agree on time limits that are different from those laid down in Article [-54. -]{+55.+}

### Paragraph 2

2. Member States may provide that Article [-95 -]{+105 +}does not apply where the payment service user is not a consumer.

### Paragraph 3

3. Member States may [-provide that provisions in -]{+apply +}this Title [-are applied -]to microenterprises in the same way as {+it applies +}to consumers.

### Paragraph 4

4. [-Member States shall [ OP please insert -]{+By … [21 months from +}the date [-= data -]of [-application -]{+entry into force +}of this [-Regulation] -]{+Regulation], Member States shall +}notify to the Commission the provisions of [-their -]{+the +}law [-adopted -]{+they adopt +}pursuant to [-paragraph -]{+paragraphs +}2 and 3. They [-shall, without delay, -]{+shall +}notify {+the Commission without undue delay of +}any subsequent [-amendment -]{+amendments thereto and of any provisions of the law which they adopt pursuant +}to [-such provisions. -]{+paragraphs 2 and 3 at a later date.+}