# PSR Article 61 — Payment transactions where the transaction amount is not known in advance

Textual state: amended_substantial. 13 words changed

- 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- Compared against: COM(2023) 367 final — superseded.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.

## Paragraph 1

1. Where a payment transaction is initiated by or through the [-payee -]{+payee, +}in {+particular in +}the context of a card-based payment [-transaction -]{+or of a credit transfer, +}and the exact future amount is not known at the moment when the payer [-authorizes -]{+authorises +}the execution of the payment transaction, the payer’s payment service provider may only block funds on the payer’s payment account if the payer has given his or her [-permission -]{+consent +}to that precise amount of funds to be blocked.

## Paragraph 2

2. The amount of the funds blocked by the payer’s payment service provider shall be in proportion with the amount of the payment transaction which can reasonably be expected by the payer.

## Paragraph 3

3. The payee shall inform its payment service provider of the exact amount of the payment transaction immediately after delivery of the service or goods to the payer.

## Paragraph 4

4. The payer’s payment service provider shall release the funds blocked on the payer’s payment account immediately after receipt of the information about the exact amount of the payment transaction.