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Chapter 1 Common provisions (arts. 61-63) |
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⚠ Article 61 Scope |
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⚠ Article 62 Charges applicable |
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⚠ Article 63 Derogation for low value payment instruments and electronic money |
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Chapter 2 Authorisation of payment transactions (arts. 64-77) |
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⚠ Article 64 Consent and withdrawal of consent |
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⚠ Article 65 Confirmation on the availability of funds |
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⚠ Article 66 Rules on access to payment account in the case of payment initiation services |
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⚠ Article 67 Rules on access to and use of payment account information in the case of account information services |
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⚠ Article 68 Limits of the use of the payment instrument and of the access to payment accounts by payment service providers |
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⚠ Article 69 Obligations of the payment service user in relation to payment instruments and personalised security credentials |
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⚠ Article 70 Obligations of the payment service provider in relation to payment instruments |
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⚠ Article 71 Notification and rectification of unauthorised or incorrectly executed payment transactions |
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⚠ Article 72 Evidence on authentication and execution of payment transactions |
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⚠ Article 73 Payment service provider's liability for unauthorised payment transactions |
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⚠ Article 74 Payer's liability for unauthorised payment transactions |
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⚠ Article 75 Payment transactions where the transaction amount is not known in advance |
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⚠ Article 76 Refunds for payment transactions initiated by or through a payee |
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⚠ Article 77 Requests for refunds for payment transactions initiated by or through a payee |
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Chapter 3 Execution of payment transactions (arts. 78-93) |
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Section 1 Payment orders and amounts transferred (arts. 78-81) |
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⚠ Article 78 Receipt of payment orders |
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⚠ Article 79 Refusal of payment orders |
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⚠ Article 80 Irrevocability of a payment order |
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⚠ Article 81 Amounts transferred and amounts received |
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Section 2 Execution time and value date (arts. 82-87) |
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⚠ Article 82 Scope |
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⚠ Article 83 Payment transactions to a payment account |
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⚠ Article 84 Absence of payee's payment account with the payment service provider |
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⚠ Article 85 Cash placed on a payment account |
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⚠ Article 86 National payment transactions |
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⚠ Article 87 Value date and availability of funds |
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Section 3 Liability (arts. 88-93) |
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⚠ Article 88 Incorrect unique identifiers |
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⚠ Article 89 Payment service providers' liability for non-execution, defective or late execution of payment transactions |
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⚠ Article 90 Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions |
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⚠ Article 91 Additional financial compensation |
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⚠ Article 92 Right of recourse |
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⚠ Article 93 Abnormal and unforeseeable circumstances |
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Chapter 4 Data protection (art. 94) |
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⚠ Article 94 Data protection |
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Chapter 5 Operational and security risks and authentication (arts. 95-98) |
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⚠ Article 95 Management of operational and security risks |
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⚠ Article 96 Incident reporting |
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⚠ Article 97 Authentication |
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⚠ Article 98 Regulatory technical standards on authentication and communication |
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Chapter 6 ADR procedures for the settlement of disputes (arts. 99-103) |
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Section 1 Complaint procedures (arts. 99-100) |
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⚠ Article 99 Complaints |
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⚠ Article 100 Competent authorities |
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Section 2 ADR procedures and penalties (arts. 101-103) |
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⚠ Article 101 Dispute resolution |
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⚠ Article 102 ADR procedures |
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⚠ Article 103 Penalties |
