(1) Where, for the use of a given payment instrument, a payee requests a charge or offers a reduction, the payee shall inform the payer concerned prior to the initiation of the payment transaction.

(2) Where, for the use of a given payment instrument, a payment service provider or another party involved in the transaction requests a charge, that payment service provider or other party shall inform the payment service user concerned prior to the initiation of the payment transaction.

(3) A payer shall only be obliged to pay the charges referred to in paragraphs (1) and (2) if the full amount of the charges was made known prior to the initiation of the payment transaction concerned.