Payment Services Directive

2007/64/EC

Name: Payment Services Directive Full title: Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC On EUR-lex : 32007L0064

Related questions

Here is a list of all questions related to this legislative act. Where a question is linked to multiple provisions, only one provision is displayed. A standard list of issues is used for the question titles.

159 item(s) found, displaying 1 to 159   Page(s): 1, Item(s) per page:  Show by page
ID	Ref	Issue	Sub-Issue	Article	Annex	Recital
923		Access to payment systems		28(2)
959		Charges	unspecified charges
976		Safeguarding of funds received from the payment service users - credit cards		9(1)
983		Framework contracts	Example	4(12)
984		Payment services			I
987		Applicable to currency or georgaphy?
989		Cut-off times		64(1)
992		Immediate availability of funds		71
993		Definition of Immediately		71
996		E-money
997		E-money
998		E-money
1000		Access to payment systems
1002		Definitions
1003		Definitions
1004		Definitions
1010		Access to payment systems	Credit cards	9
1013		Cross border payments Regulation	outsourcing cross-border, re-outsourcing, use of EEA Agents
1021		Irrevocability		66(2)
1024		Value date and availability		73(2)
1025		Refusal of payment order	Mandates
1027		Maximum execution time	cash withdrawal payment account	73
1030		Countries and territories
1034		Definitions	Scope of definition of	4(3)
1035		Direct debits to mortgage accounts	Direct Debits
1036		Payment institutions activities	Safeguarding requirements	9(2)
1037		Payment institutions activities	Safeguarding requirements	9(1)(a)
1042		Currency conversion		49(1)
1044		Scope	mobile operator payment services	3(l)
1047		Own funds calculated in accordance with method C	relevant indicator	8(1)(C)
1049		Definitions		4(14)
1053		Access to payment systems	Limitations introduced by the national law			16
1057		Countries and territories
1058		Access to payment systems	Providing of information	37(1)
1059		Countries and territories
1060		Access to payment systems	IBAN and BIC correct, although costs
1065		Access to payment systems		9(1)
1069		Liability		78
1070		E-money		4
1071		PSD - General
1073		Payment Institution		1(1)(d)
1078		Access to payment systems		3(b)
101	99	Payment accounts	Versus giro accounts	4
100	98	Payment accounts	Acquiring	4
99	97	Payer	Identification	39(a)
98	96	Transposition	Asymmetric transposition of PSD	94(1)
97	95	Payment transactions	Defectively executed	75(2)
95	93	Liability	Errors caused by the payment service user	75(1)
93	91	Value date and availability	Currency conversion	73(1)
92	90	Availability of funds	No payee's payment account	70
9	9	Transposition
90	88	Direct debits	Maximum execution time	69(3)
89	87	Payment transactions	Value dating and crediting of amount	69(2)
88	86	Charges	Full amount principle	67(1)
87	85	Direct debits	Irrevocability	66(3)
86	84	Card transactions	Irrevocability	66(2)
84	82	Refusal of payment order	Notification	65(1)
83	81	Point in time of receipt	Future payments	64(2)
82	80	Maximum execution time	Paper-inititated transactions	69(1)
81	79	Refund right	Moment of start	63(2)
80	78	Refund right	Calculation of period	63(1)
79	77	Refund right	Exclusion	62(3)
77	75	Direct debits	Proof of authentication	59(1)
76	74	Payment transactions	Authorisation	58
75	73	Payment instrument	Prevention of use of lost or stolen payment instrument	57(1)
73	71	Direct debits	Revocability	54(3)
72	70	Direct debits	Authorisation	54(3)
7	7	Clarification of 'payment volume'		8
71	69	Payment transactions	Authorisation	54(2)
70	68	Payment transaction	Authorisation after execution	54(1)
69	67	E-money	Derogation	53(3)
68	66	Charges	Intermediaries' services	52(2)
66	64	Businesses	Non-application of certain provisions	51(1)
65	63	Payment transactions	Currency conversion	49(2)
64	62	Payment transactions	Currency	49(1)
62	60	Value date	Credit value date for transactions over the counter	48(1)(e)
6	6	Value date	Credit value date in the event of a bank holiday	73(1)
58	56	Individual payment transactions	Interest rate	47(1)(c)
56	54	Individual payment transactions	Reference	47(1)(a)
52	50	Exchange rate	Calculation	44(3)
51	49	Framework contracts	Right of cancellation	44(1)
50	48	Supervisory authority	Information about relevant authority	42(1)(b)
49	47	Framework contracts	Right of cancellation	42(1)(a)
46	44	Single payment transactions	Reference	38(a)
45	43	Single payment transactions	Maximum execution time	37(1)(b)
44	42	Single payment service transactions	Means of distance communication	36(2)
43	41	Single payment transactions	Information to be 'made available'	36(1)
42	40	Information requirements	Single payment transactions within a framework contract	35(2)
4	4	Transitional measures	Grandfather clause	88(2)
41	39	Charges	Provision of information	32(3)
40	38	Definitions	Business day (public holiday)	4
39	37	Definitions	Micro-enterprises	4
38	36	Definitions	Durable medium (web link)	4
37	35	Definitions	Means of distance communication	4
36	34	Definitions	Payment instrument	4
35	33	Payment institutions	Agents	4
34	32	Unique identifiers	IBAN and BIC	4
33	31	Payment account	Saving accounts, credit accounts, etc.	4
32	30	Definitions	Consumer	4
31	29	Scope	Independent ATMs	3(o)
30	28	Scope	Payment transactions within a group	3(n)
29	27	Scope	Limited network	3(k)
28	26	Scope	Technical service providers	3(j)
27	25	Scope	Payment transactions related to securities	3(i)
26	24	Scope	Cash-back	3(e)
25	23	Execution of a payment transaction	Irrevocability
24	22	Payment order	Refusal
22	20	Transposition
2	2	Payment Institution	Application
21	19	Scope	Payment transactions between a parent undertaking and its subsidiary	3(n)
20	18	Credit	Refund period over 12 months	16
19	17	Payment account	Credit balances on card accounts	(2)(4)
17	15	Definitions	Group	4
144	140	Record keeping	'Appropriate records'	19
16	14	Scope	ATM operators	3(o)
143	139	issue
142	138	Meaning of 'provided within the Community' for the purposes of Article 2(1)		2(1)
141	137	Application to EEA branches of non-EEA credit institutions		1(1)
140	136	Scope	Limited network
139	135	Payment transactions	Card transactions
136	132	Relevant indicator	Components	8(1)(c)
135	131	Fixed overheads	Calculation	8(1)(a)
134	130	Payment systems	Access to designated systems	28(2)(a)
15	13.3	Access to payment systems	Card schemes designated under the Settlement Finality Directive	28(2)(a)
14	13.2	Access to payment systems	Three-party schemes	28(2)
13	13.1	Access to payment systems	Card schemes	28(1)
133	129	Scope	Collective investment undertakings	3(i)
132	128	Entry into force	EFTA States
129	125	Payment services	Regular occupation
127	123	Charges	Full harmonisation	86(1)
126	122	Charges	Surcharge prohibition for ATM transactions	52(3)
125	121	Payment transactions	Swift message standards
124	120	Scope	Billing and settlement plans
12	12	Payment institutions activities	Credit	16(3)
123	119	Payment transactions	References for card transactions	38
122	118	Scope	Payment services in private currencies	2(2)
121	117	Cross-border credit	Refund period	16
120	116	Access to payment systems	Impact on card schemes rules	28(1)
119	115	Maximum execution time	Card transactions	69
118	114	Irrevocability	Charge backs	66(2)
117	113	Payment transactions	Refunds for card transactions	62
116	112	Payment transactions	Evidence on authentication and execution of card transactions	59(2)
115	111	Payment transactions	Notification of unauthorised or incorrectly executed payment card transactions	58
114	110	Charges	Surcharging	52(3)
11	11	Payment account versus mortgage accounts		4
113	109	Charges	SHARE principle	52(2)
112	108	Currency conversion	Scope of application	49(2)
111	107.3	Maximum execution time	Availability of funds for card transactions	70
110	107.2	Maximum execution time	Card transactions	69(1)
109	107.1	Maximum execution time	Scope	68(1)(c)
108	106	Scope	Cheques	3(g)
107	105	Charges	Debiting fees from accounts	62
106	104	Charges	SHARE, BEN and OUR	52
105	103	Maximum execution time	Paper-initiated transactions	69(1)
104	102	Payment transactions	Initiation	62
103	101	Availability of funds	No payee account at the receiving bank	70
102	100	Charges	ATM surcharging	52(3)
10	10	Scope	Clearing and settlement service models	3(h)
1	1	Value date	Debit value date in case of bank holiday	73(2)