PSD2, direktiv (EU) 2015/2366
Betalingstjenester i det indre markedet, blant annet sterk kundeautentisering.
Hva vi leser den for
Rettsakten bak hvordan en betaling på plattformen autentiseres og hvem som kan se feltene rundt den.
Identitet
| Type | Direktiv |
| Identifikator | EU 2015/2366 |
| CELEX | 32015L2366 |
| Vedtatt | 2015-11-25 |
| I kraft | 2016-01-12 |
| Frist for gjennomføring | 2018-01-13 |
117 artikler i grunnrettsakten
Struktur
Kapittelstrukturen i denne rettsakten er ikke lest inn i registeret ennå. Den offisielle teksten har den.
Artikler
117 artikler er lest inn i registeret, med én adresse hver.
- 1 · Subject matter
- 2 · Scope
- 3 · Exclusions
- 4 · Definitions
- 5 · Applications for authorisation
- 6 · Control of the shareholding
- 7 · Initial capital
- 8 · Own funds
- 9 · Calculation of own funds
- 10 · Safeguarding requirements
- 11 · Granting of authorisation
- 12 · Communication of the decision
- 13 · Withdrawal of authorisation
- 14 · Registration in the home Member State
- 15 · EBA register
- 16 · Maintenance of authorisation
- 17 · Accounting and statutory audit
- 18 · Activities
- 19 · Use of agents, branches or entities to which activities are outsourced
- 20 · Liability
- 21 · Record-keeping
- 22 · Designation of competent authorities
- 23 · Supervision
- 24 · Professional secrecy
- 25 · Right to apply to the courts
- 26 · Exchange of information
- 27 · Settlement of disagreements between competent authorities of different Member States
- 28 · Application to exercise the right of establishment and freedom to provide services
- 29 · Supervision of payment institutions exercising the right of establishment and freedom to provide services
- 30 · Measures in case of non-compliance, including precautionary measures
- 31 · Reasons and communication
- 32 · Conditions
- 33 · Account information service providers
- 34 · Notification and information
- 35 · Access to payment systems
- 36 · Access to accounts maintained with a credit institution
- 37 · Prohibition of persons other than payment service providers from providing payment services and duty of notification
- 38 · Scope
- 39 · Other provisions in Union law
- 40 · Charges for information
- 41 · Burden of proof on information requirements
- 42 · Derogation from information requirements for low-value payment instruments and electronic money
- 43 · Scope
- 44 · Prior general information
- 45 · Information and conditions
- 46 · Information for the payer and payee after the initiation of a payment order
- 47 · Information for payer’s account servicing payment service provider in the event of a payment initiation service
- 48 · Information for the payer after receipt of the payment order
- 49 · Information for the payee after execution
- 50 · Scope
- 51 · Prior general information
- 52 · Information and conditions
- 53 · Accessibility of information and conditions of the framework contract
- 54 · Changes in conditions of the framework contract
- 55 · Termination
- 56 · Information before execution of individual payment transactions
- 57 · Information for the payer on individual payment transactions
- 58 · Information for the payee on individual payment transactions
- 59 · Currency and currency conversion
- 60 · Information on additional charges or reductions
- 61 · Scope
- 62 · Charges applicable
- 63 · Derogation for low value payment instruments and electronic money
- 64 · Consent and withdrawal of consent
- 65 · Confirmation on the availability of funds
- 66 · Rules on access to payment account in the case of payment initiation services
- 67 · Rules on access to and use of payment account information in the case of account information services
- 68 · Limits of the use of the payment instrument and of the access to payment accounts by payment service providers
- 69 · Obligations of the payment service user in relation to payment instruments and personalised security credentials
- 70 · Obligations of the payment service provider in relation to payment instruments
- 71 · Notification and rectification of unauthorised or incorrectly executed payment transactions
- 72 · Evidence on authentication and execution of payment transactions
- 73 · Payment service provider’s liability for unauthorised payment transactions
- 74 · Payer’s liability for unauthorised payment transactions
- 75 · Payment transactions where the transaction amount is not known in advance
- 76 · Refunds for payment transactions initiated by or through a payee
- 77 · Requests for refunds for payment transactions initiated by or through a payee
- 78 · Receipt of payment orders
- 79 · Refusal of payment orders
- 80 · Irrevocability of a payment order
- 81 · Amounts transferred and amounts received
- 82 · Scope
- 83 · Payment transactions to a payment account
- 84 · Absence of payee’s payment account with the payment service provider
- 85 · Cash placed on a payment account
- 86 · National payment transactions
- 87 · Value date and availability of funds
- 88 · Incorrect unique identifiers
- 89 · Payment service providers’ liability for non-execution, defective or late execution of payment transactions
- 90 · Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions
- 91 · Additional financial compensation
- 92 · Right of recourse
- 93 · Abnormal and unforeseeable circumstances
- 94 · Data protection
- 95 · Management of operational and security risks
- 96 · Incident reporting
- 97 · Authentication
- 98 · Regulatory technical standards on authentication and communication
- 99 · Complaints
- 100 · Competent authorities
- 101 · Dispute resolution
- 102 · ADR procedures
- 103 · Penalties
- 104 · Delegated acts
- 105 · Exercise of the delegation
- 106 · Obligation to inform consumers of their rights
- 107 · Full harmonisation
- 108 · Review clause
- 109 · Transitional provision
- 110 · Amendments to Directive 2002/65/EC
- 111 · Amendments to Directive 2009/110/EC
- 112 · Amendments to Regulation (EU) No 1093/2010
- 113 · Amendment to Directive 2013/36/EU
- 114 · Repeal
- 115 · Transposition
- 116 · Entry into force
- 117 · Addresses
Språkversjoner
EUR-Lex publiserer rettsakten på alle offisielle språk. Dette er de direkte adressene for språkene dette nettstedet er skrevet på.
Norsk er ikke et offisielt EU-språk. Norske lesere bruker det nasjonale registeret.
Nasjonal lov
Én linje per land. En linje finnes bare når en primærkilde er lest, ellers lenkes det nasjonale registeret i stedet.
| Nasjonal lov | Identifikator | Offisiell tekst |
|---|---|---|
| Sverige: Lag om betaltjänster | SFS 2010:751 | Offisiell tekst |
| Finland: Maksupalvelulaki | 290/2010 | Offisiell tekst |
| Tyskland: Zahlungsdiensteaufsichtsgesetz | ZAG | Offisiell tekst |
| Storbritannia: The Payment Services Regulations 2017 | SI 2017/752 | Offisiell tekst |
| Norge: Lov om finansavtaler (finansavtaleloven) | LOV-2020-12-18-146 | Offisiell tekst |
| Danmark: Lov om betalinger | LOV nr 652 af 08/06/2017 | Offisiell tekst |
Nasjonale gjennomføringstiltak på EUR-Lex
Tilsyn
Offisiell tekst
EU-rettsakter, lest helt ned til nasjonal lov
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