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| | Recitals |
| | Title I Subject matter, scope and definitions (arts. 1-4) |
Entered into force | Article 1 Subject matter |
Entered into force | Article 2 Scope |
Amended | Article 3 Exclusions |
Entered into force | Article 4 Definitions |
| | Title II Payment Service Providers (arts. 5-37) |
| | Chapter 1 Payment institutions (arts. 5-34) |
| | Section 1 General rules (arts. 5-18) |
Amended | Article 5 Applications for authorisation |
Entered into force | Article 6 Control of the shareholding |
Entered into force | Article 7 Initial capital |
Entered into force | Article 8 Own funds |
Entered into force | Article 9 Calculation of own funds |
Amended | Article 10 Safeguarding requirements |
Entered into force | Article 11 Granting of authorisation |
Entered into force | Article 12 Communication of the decision |
Entered into force | Article 13 Withdrawal of authorisation |
Entered into force | Article 14 Registration in the home Member State |
Entered into force | Article 15 EBA register |
Entered into force | Article 16 Maintenance of authorisation |
Entered into force | Article 17 Accounting and statutory audit |
Entered into force | Article 18 Activities |
| | Section 2 Other requirements (arts. 19-21) |
Amended | Article 19 Use of agents, branches or entities to which activities are outsourced |
Entered into force | Article 20 Liability |
Entered into force | Article 21 Record-keeping |
| | Section 3 Competent authorities and supervision (arts. 22-31) |
Entered into force | Article 22 Designation of competent authorities |
Entered into force | Article 23 Supervision |
Entered into force | Article 24 Professional secrecy |
Entered into force | Article 25 Right to apply to the courts |
Entered into force | Article 26 Exchange of information |
Entered into force | Article 27 Settlement of disagreements between competent authorities of different Member States |
Entered into force | Article 28 Application to exercise the right of establishment and freedom to provide services |
Entered into force | Article 29 Supervision of payment institutions exercising the right of establishment and freedom to provide services |
Entered into force | Article 30 Measures in case of non-compliance, including precautionary measures |
Entered into force | Article 31 Reasons and communication |
| | Section 4 Exemption (arts. 32-34) |
Entered into force | Article 32 Conditions |
Entered into force | Article 33 Account information service providers |
Entered into force | Article 34 Notification and information |
| | Chapter 2 Common provisions (arts. 35-37) |
Amended | Article 35 Access to payment systems |
Inserted | Article 35a Conditions for requesting participation in designated payment systems |
Entered into force | Article 36 Access to accounts maintained with a credit institution |
Entered into force | Article 37 Prohibition of persons other than payment service providers from providing payment services and duty of notification |
| | Title III Transparency of conditions and information requirements for payment services (arts. 38-60) |
| | Chapter 1 General rules (arts. 38-42) |
Entered into force | Article 38 Scope |
Entered into force | Article 39 Other provisions in Union law |
Entered into force | Article 40 Charges for information |
Entered into force | Article 41 Burden of proof on information requirements |
Entered into force | Article 42 Derogation from information requirements for low-value payment instruments and electronic money |
| | Chapter 2 Single payment transactions (arts. 43-49) |
Entered into force | Article 43 Scope |
Entered into force | Article 44 Prior general information |
Entered into force | Article 45 Information and conditions |
Entered into force | Article 46 Information for the payer and payee after the initiation of a payment order |
Entered into force | Article 47 Information for payer's account servicing payment service provider in the event of a payment initiation service |
Entered into force | Article 48 Information for the payer after receipt of the payment order |
Entered into force | Article 49 Information for the payee after execution |
| | Chapter 3 Framework contracts (arts. 50-58) |
Entered into force | Article 50 Scope |
Entered into force | Article 51 Prior general information |
Amended | Article 52 Information and conditions |
Entered into force | Article 53 Accessibility of information and conditions of the framework contract |
Entered into force | Article 54 Changes in conditions of the framework contract |
Entered into force | Article 55 Termination |
Entered into force | Article 56 Information before execution of individual payment transactions |
Entered into force | Article 57 Information for the payer on individual payment transactions |
Entered into force | Article 58 Information for the payee on individual payment transactions |
| | Chapter 4 Common provisions (arts. 59-60) |
Entered into force | Article 59 Currency and currency conversion |
Entered into force | Article 60 Information on additional charges or reductions |
| | Title IV Rights and obligations in relation to the provision and use of payment services (arts. 61-103) |
| | Chapter 1 Common provisions (arts. 61-63) |
Amended | Article 61 Scope |
Amended | Article 62 Charges applicable |
Entered into force | Article 63 Derogation for low value payment instruments and electronic money |
| | Chapter 2 Authorisation of payment transactions (arts. 64-77) |
Entered into force | Article 64 Consent and withdrawal of consent |
Entered into force | Article 65 Confirmation on the availability of funds |
Entered into force | Article 66 Rules on access to payment account in the case of payment initiation services |
Entered into force | Article 67 Rules on access to and use of payment account information in the case of account information services |
Entered into force | Article 68 Limits of the use of the payment instrument and of the access to payment accounts by payment service providers |
Entered into force | Article 69 Obligations of the payment service user in relation to payment instruments and personalised security credentials |
Entered into force | Article 70 Obligations of the payment service provider in relation to payment instruments |
Entered into force | Article 71 Notification and rectification of unauthorised or incorrectly executed payment transactions |
Entered into force | Article 72 Evidence on authentication and execution of payment transactions |
Entered into force | Article 73 Payment service provider's liability for unauthorised payment transactions |
Entered into force | Article 74 Payer's liability for unauthorised payment transactions |
Entered into force | Article 75 Payment transactions where the transaction amount is not known in advance |
Amended | Article 76 Refunds for payment transactions initiated by or through a payee |
Entered into force | Article 77 Requests for refunds for payment transactions initiated by or through a payee |
| | Chapter 3 Execution of payment transactions (arts. 78-93) |
| | Section 1 Payment orders and amounts transferred (arts. 78-81) |
Entered into force | Article 78 Receipt of payment orders |
Entered into force | Article 79 Refusal of payment orders |
Entered into force | Article 80 Irrevocability of a payment order |
Entered into force | Article 81 Amounts transferred and amounts received |
| | Section 2 Execution time and value date (arts. 82-87) |
Entered into force | Article 82 Scope |
Entered into force | Article 83 Payment transactions to a payment account |
Entered into force | Article 84 Absence of payee's payment account with the payment service provider |
Entered into force | Article 85 Cash placed on a payment account |
Entered into force | Article 86 National payment transactions |
Entered into force | Article 87 Value date and availability of funds |
| | Section 3 Liability (arts. 88-93) |
Entered into force | Article 88 Incorrect unique identifiers |
Amended | Article 89 Payment service providers' liability for non-execution, defective or late execution of payment transactions |
Entered into force | Article 90 Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions |
Entered into force | Article 91 Additional financial compensation |
Amended | Article 92 Right of recourse |
Entered into force | Article 93 Abnormal and unforeseeable circumstances |
| | Chapter 4 Data protection (art. 94) |
Entered into force | Article 94 Data protection |
| | Chapter 5 Operational and security risks and authentication (arts. 95-98) |
Amended | Article 95 Management of operational and security risks |
Amended | Article 96 Incident reporting |
Entered into force | Article 97 Authentication |
Amended | Article 98 Regulatory technical standards on authentication and communication |
| | Chapter 6 ADR procedures for the settlement of disputes (arts. 99-103) |
| | Section 1 Complaint procedures (arts. 99-100) |
Amended | Article 99 Complaints |
Entered into force | Article 100 Competent authorities |
| | Section 2 ADR procedures and penalties (arts. 101-103) |
Entered into force | Article 101 Dispute resolution |
Amended | Article 102 ADR procedures |
Entered into force | Article 103 Penalties |
| | Title V Delegates acts and regulatory technical standards (arts. 104-106) |
Entered into force | Article 104 Delegated acts |
Entered into force | Article 105 Exercise of the delegation |
Entered into force | Article 106 Obligation to inform consumers of their rights |
| | Title VI Final provisions (arts. 107-116) |
Amended | Article 107 Full harmonisation |
Entered into force | Article 108 Review clause |
Entered into force | Article 109 Transitional provision |
Entered into force | Article 110 Amendments to Directive 2002/65/EC |
Entered into force | Article 111 Amendments to Directive 2009/110/EC |
Entered into force | Article 112 Amendments to Regulation (EU) No 1093/2010 |
Entered into force | Article 113 Amendment to Directive 2013/36/EU |
Entered into force | Article 114 Repeal |
Entered into force | Article 115 Transposition |
Entered into force | Article 116 Entry into force |
Entered into force | Article 117 Addresses |
Entered into force | Annex I Payment services |
Entered into force | Annex II Correlation table |
| | Done at |
