1. Member States shall ensure that a payer is entitled to a refund from his payment service provider of an authorised payment transaction initiated by or through a payee which has already been executed, if the following conditions are met:
(a) the authorisation did not specify the exact amount of the payment transaction when the authorisation was made; and
(b) the amount of the payment transaction exceeded the amount the payer could reasonably have expected taking into account his previous spending pattern, the conditions in his framework contract and relevant circumstances of the case.
At the payment service provider's request, the payer shall provide factual elements relating to such conditions.
The refund consists of the full amount of the executed payment transaction.
For direct debits the payer and his payment service provider may agree in the framework contract that the payer is entitled to a refund from his payment service provider even though the conditions for refund in t