# PSR Article 31a — Transparent practices of payment card schemes, processing entities and acquirers

Textual state: inserted. New in the compromise text.

- Current text: Council final compromise text (Council document 8221/26) — not yet law.
- Compared against: COM(2023) 367 final — superseded.
- Classification is mechanical; method: https://paymentslaw.eu/method/
- Editorial review state: not_assessed. Markers are curated and selective, not a complete assessment.

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

## New paragraph 1

{+1. Operators of payment card schemes and processing entities shall ensure that the fees imposed on payment service providers providing acquiring services are categorised and disclosed in a clear and consistent manner allowing for the comparability of billing categories between schemes and processing entities, based on at least the following categories: interchange fees; processing fees; and scheme fees of which: - mandatory fees; - fees linked to a specific behaviour or to the use or non use of a technology; and - fees related to optional services. The categories of fees shall be clearly defined. That information shall be disclosed to payment service providers providing acquiring services in a manner ensuring full clarity as to which fees correspond to which services. The information shall be as specific as possible and, where possible, distinguish the fees applied according to the card category, the sales channel, the transaction volume and value of the merchant and the geographical location.+}

## New paragraph 2

{+2. Payment service providers providing acquiring services shall use the information disclosed under paragraph 1 when fulfilling their obligations set by Articles 9 and 12 of Regulation (EU) 2015/751.+}

## New paragraph 3

{+3. For the purposes of paragraph 1, operators of payment card schemes and operators of processing entities shall: - communicate any new fees and any change in scheme and processing fees unambiguously in a transparent and consistent manner to the payment service providers providing acquiring services no later than 6 months prior to their implementation; - maintain a single EU public repository of their scheme and processing rules and fees, according to the categories of fees referred to in paragraph 1.+}

## New paragraph 4

{+4. The Commission shall adopt a delegated act in accordance with Article 106 to supplement this Regulation by further specifying the information to be disclosed to payment service providers providing acquiring services under paragraph 1. The Commission shall adopt that delegated act by [OP please insert the date= 15 months after the date of entry into force of this Regulation.+}