# PSR Article 34 — Rights of payment service users

Textual state: amended_substantial. 28 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- Compared against: Council document 8221/26 — superseded.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 33 → 33. Textual state: amended_substantial. 8 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Payment service providers shall not prevent payment service users from making use of a payment initiation service provider to obtain payment initiation services as referred to in point (6) of Annex [-I. -]{+I to Directive XXX [PSD3]. +}That obligation shall apply to all the payment accounts held by the payment service user that are accessible online.

### Paragraph 2

2. Payment service providers shall not prevent payment service users from making use of account information services as referred to in point (7) of Annex [-I. -]{+I to Directive XXX [PSD3]. +}That obligation shall apply to all the payment accounts held by the payment service user that are accessible online.

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

Article 33 → 34. Textual state: amended_substantial. 28 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Payment service providers shall not prevent payment service users from making use of a payment initiation service provider to obtain payment initiation [-services as referred to in point (6) of Annex I to Directive XXX [PSD3]. -]{+services. +}That obligation shall apply to all [-the -]payment accounts held by the payment service user that are accessible online.

### Paragraph 2

2. Payment service providers shall not prevent payment service users from making use of account information [-services as referred to in point (7) of Annex I to Directive XXX [PSD3]. -]{+services. +}That obligation shall apply to all [-the -]payment accounts held by the payment service user that are accessible online.