# PSR Article 4 — Scope

Textual state: amended_substantial. 77 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- Compared against: Council document 8221/26 — superseded.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 4 → 4. Textual state: unchanged. No text changes from the 2023 proposal.

- Editorial review state: not_assessed.

### Paragraph 1

1. This Title applies to single payment transactions, framework contracts and payment transactions covered by those contracts. The parties to such single payment transactions, framework contracts and payment transactions covered by them may agree that this Title shall not apply in whole or in part where the payment service user is not a consumer.

### Paragraph 2

2. Member States may apply this Title to microenterprises in the same way as to consumers.

### Paragraph 3

3. Member States shall notify to the Commission the provisions of its law which it adopts pursuant to paragraph 2, by the date of application of this Regulation and, without delay, any subsequent amendment affecting them.

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

Article 4 → 4. Textual state: amended_substantial. 77 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. This Title applies to single payment [-transactions, -]{+transactions and +}framework contracts and {+to +}payment transactions covered by those contracts. [-The parties -]{+Parties +}to such single payment [-transactions, -]{+transactions and +}framework contracts and {+to +}payment transactions covered by [-them -]{+those contracts +}may agree that this Title [-shall -]{+does +}not apply in whole or in part where the payment service user is not a consumer.

### Paragraph 2

2. Member States may apply this Title to microenterprises in the same way as {+it applies +}to consumers.

### Paragraph 3

3. {+By … [21 months from the date of entry into force of this Regulation], +}Member States shall notify to the Commission the provisions of [-its -]{+the +}law [-which it adopts -]{+they adopt +}pursuant to paragraph [-2, by -]{+2. They shall notify +}the [-date of application of this Regulation and, -]{+Commission +}without [-delay, -]{+undue delay of +}any subsequent [-amendment affecting them. -]{+amendments thereto and of any provisions of the law which they adopt pursuant to paragraph 2 at a later date.+}