# PSR Article 64 — Payment transactions where the transaction amount is not known in advance

Textual state: amended_substantial. 19 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- Compared against: Council document 8221/26 — superseded.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 61 → 61. Textual state: amended_substantial. 13 words changed

- Editorial review state: not_assessed.

### 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.

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

Article 61 → 64. Textual state: amended_substantial. 19 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Where a payment transaction is initiated by or through the payee, in particular in the context of a card-based payment or of a credit transfer, and the exact future amount is not known at the moment when the payer 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 -]consent to [-that -]{+the +}precise amount of funds to be blocked.

### Paragraph 2

2. The amount of [-the -]funds blocked by the payer’s payment service provider {+pursuant to paragraph 1 +}shall be [-in proportion with -]{+proportionate to +}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 {+pursuant to paragraph 1 +}immediately after receipt of the information about the exact amount of the payment transaction.