# PSR Article 71 — Payment transactions with electronic money tokens

Textual state: amended_substantial. 64 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- Compared against: Council document 8221/26 — superseded.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 — → 67a. Textual state: inserted. New in the compromise text.

- Editorial review state: not_assessed.

### New paragraph 1

{+1. By way of derogation from Article 13, points (b) and (d), Article 20, points (b)(v) and (c)(i) and Article 24 of this Regulation, where payment service providers are not able, due to circumstances that are not attributable to them, to comply with the obligations set out therein as regards payment transactions with electronic money tokens settled on the distributed ledger, the payment service providers shall provide the information required therein by way of a reasoned estimation, as soon as possible, and in any case prior to the payer authorising the transaction.+}

### New paragraph 2

{+2. The requirements in Articles 40 and 41 of this Regulation for account servicing payment service providers regarding payment initiation services and account information services, shall not apply as regards payment transactions with electronic money tokens.+}

### New paragraph 3

{+3. Articles 50 and 57 of this Regulation shall not apply to payment service providers as regards payment transactions with electronic money tokens.+}

### New paragraph 4

{+4. The Commission may adopt delegated acts in accordance with Article 106 to amend this Regulation by adjusting the derogations and requirements set out in paragraphs 1, 2 and 3 of this Article as regards payment transactions with electronic money tokens to take into account developments after the adoption of this Regulation and the specificities of the use of distributed ledger technology or similar technology for such transactions.+}

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

Article 67a → 71. Textual state: amended_substantial. 64 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. By way of derogation from Article [-13, -]{+13(1), first subparagraph, +}points (b) and (d), Article [-20, points (b)(v) -]{+20(2), point (e), Article 20(3), first subparagraph, point (a) +}and [-(c)(i) and -]Article [-24 of this Regulation, -]{+24, +}where payment service providers are [-not able, -]{+unable, +}due to circumstances that are not attributable to them, to comply with the obligations set out therein as regards payment transactions with electronic money tokens settled on the distributed ledger, the payment service providers shall provide the information [-required therein -]{+referred to in those Articles +}by way of a reasoned estimation, as soon as possible, and in any case prior to the [-payer authorising -]{+authorisation of +}the [-transaction. -]{+payment transaction by the payer.+}

### Paragraph 2

2. The requirements in Articles [-40 and -]41 [-of this Regulation -]{+and 42 +}for account servicing payment service providers regarding payment initiation services and account information services, shall not apply as regards payment transactions with electronic money tokens.

### Paragraph 3

3. Articles [-50 -]{+51 +}and [-57 of this Regulation -]{+58 +}shall not apply to payment service providers as regards payment transactions with electronic money tokens.

### Paragraph 4

4. The Commission [-may -]{+is empowered to +}adopt delegated acts in accordance with Article [-106 -]{+115 +}to amend this Regulation by adjusting the derogations and requirements set out in paragraphs 1, 2 and 3 of this Article as regards payment transactions with electronic money tokens to take into account developments after the adoption of this Regulation and the specificities of the use of distributed ledger technology or similar technology for such transactions.