# PSR Article 85a — Strong customer authentication in respect of credit transfers

Textual state: inserted. New in the compromise text.

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- Compared against: COM(2023) 367 final — superseded.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

## New paragraph 1

{+1. By derogation from Article 85(1), point (c), in the context of one or several recurring credit transfers initiated by the payer’s payment service provider in accordance with this Article, the obligation to apply strong customer authentication shall not apply where the following cumulative conditions are met: (a) the credit transfers are initiated by the payment service provider of the payer following a request from the payee; (b) the payee’s request is based on an agreement between the payer and the payee in which the payment conditions regarding frequency and amounts paid are set out, including where the amounts can vary, the circumstances in which the amounts can vary; (c) the payer agrees that its payment service provider executes the respective credit transfers in line with the agreement mentioned in point (b) and the setting up of such agreement is subject to strong customer authentication; (d) no additional action is required from the payer to initiate of the respective credit transfers.+}

## New paragraph 2

{+2. In the case referred to in paragraph 1, the provisions referred to in Articles 61, 62 and 63 shall apply, with the exception of Article 62(1), fourth subparagraph.+}