# PSR Article 28 — Charges applicable

Textual state: amended_substantial. 136 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- Compared against: Council document 8221/26 — superseded.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 28 → 28. Textual state: unchanged. No text changes from the 2023 proposal.

- Editorial review state: not_assessed.

### Paragraph 1

1. The payment service provider shall not charge the payment service user for fulfilment of its information obligations or corrective and preventive measures under this Title, unless otherwise specified in Article 65(1), Article 66(5) and Article 74(4). Those charges shall be agreed between the payment service user and the payment service provider and shall be reasonable and in line with the payment service provider’s actual costs.

### Paragraph 2

2. For payment transactions provided within the Union, where both the payer’s and the payee’s payment service providers are, or the sole payment service provider in the payment transaction is, located in the Union, the payee shall pay the charges levied by his payment service provider, and the payer shall pay the charges levied by his payment service provider.

### Paragraph 3

3. The payee shall not request charges for the use of payment instruments for which interchange fees are regulated under Chapter II of Regulation (EU) 2015/751 and for credit transfers, including instant credit transfers, and direct debit transactions within the Union.

### Paragraph 4

4. Member States may extend the prohibition or limit the right of the payee to request charges for the use of payment instruments other than the ones referred to in paragraph 3, taking into account the need to encourage competition and promote the use of efficient payment instruments.

### Paragraph 5

5. Without prejudice to paragraphs 3 and 4 and for instruments not covered in those paragraphs, the payment service provider shall not prevent the payee from requesting from the payer a charge, offering him a reduction or otherwise steering the payer towards the use of a given payment instrument. Any charges applied shall not exceed the direct costs borne by the payee for the use of the specific payment instrument.

### Paragraph 6

6. 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 4. 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 28 → 28. Textual state: amended_substantial. 136 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. The payment service provider shall not charge the payment service user for fulfilment of its information obligations or corrective and preventive measures under this Title, unless otherwise specified in Article [-65(1), -]{+68(3), +}Article [-66(5) -]{+69(5) +}and Article [-74(4). -]{+78(3). +}Those charges shall be agreed between the payment service user and the payment service provider and shall be reasonable and in line with the payment service provider’s actual costs.

### Paragraph 2

2. For payment transactions provided within the Union, where both the payer’s and the payee’s payment service providers are, or the sole payment service provider in the payment transaction is, located in the Union, the payee shall pay the charges levied by [-his -]{+the payee’s +}payment service provider, and the payer shall pay the charges levied by [-his -]{+the payer’s +}payment service provider.

### Paragraph 3

3. The payee shall not request charges for the use of payment instruments for which interchange fees are regulated under Chapter II of Regulation (EU) 2015/751 [-and -]{+or +}for credit transfers, including instant credit transfers, and direct debit transactions within the Union.

### Paragraph 4

4. Member States may [-extend the prohibition -]{+prohibit payees from, +}or limit the right of [-the payee to -]{+payees to, +}request charges for the use of payment instruments other than [-the ones -]{+those +}referred to in paragraph 3, taking into account the need to encourage competition and promote the use of efficient payment instruments.

### Paragraph 5

5. {+The payment service provider shall not prevent the payee offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument. +}Without prejudice to paragraphs 3 and 4 and [-for -]{+with regard to +}instruments not covered in those paragraphs, the payment service provider shall not prevent the payee from requesting from the payer a [-charge, offering him a reduction or otherwise steering the payer towards the use of a given payment instrument. -]{+charge. +}Any charges applied shall not exceed the direct costs borne by the payee for the use of the specific payment instrument.

### Paragraph 6

6. [-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 4. 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. -]{+paragraph 4 at a later date.+}