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)
Entered into force
Article 95 Management of operational and security risks
Entered into force
Article 96 Incident reporting
Entered into force
Article 97 Authentication
Entered into force
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