Article 4 — Definitions

PSD2 — direktiv (EU) 2015/2366

Offisiell tekst

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For the purposes of this Directive, the following definitions apply:

(1) ‘home Member State’ means either of the following:

(a) the Member State in which the registered office of the payment service provider is situated; or

(b) if the payment service provider has, under its national law, no registered office, the Member State in which its head office is situated;

(2) ‘host Member State’ means the Member State other than the home Member State in which a payment service provider has an agent or a branch or provides payment services;

(3) ‘payment service’ means any business activity set out in Annex I;

(4) ‘payment institution’ means a legal person that has been granted authorisation in accordance with Article 11 to provide and execute payment services throughout the Union;

(5) ‘payment transaction’ means an act, initiated by the payer or on his behalf or by the payee, of placing, transferring or withdrawing funds, irrespective of any underlying obligations between the payer and the payee;

(6) ‘remote payment transaction’ means a payment transaction initiated via internet or through a device that can be used for distance communication;

(7) ‘payment system’ means a funds transfer system with formal and standardised arrangements and common rules for the processing, clearing and/or settlement of payment transactions;

(8) ‘payer’ means a natural or legal person who holds a payment account and allows a payment order from that payment account, or, where there is no payment account, a natural or legal person who gives a payment order;

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