1. Payment schemes to be used by UK-regulated PSPs for the purposes of carrying out credit transfers and direct debits shall comply with the following conditions:

(a) their rules are the same for UK credit transfer transactions and for cross-border credit transfer transactions within the qualifying area and similarly for UK direct debit transactions and cross-border direct debit transactions within the qualifying area; and

(b) the participants in the payment scheme represent a majority of PSPs within a majority of EEA States, and constitute a majority of PSPs within the territory of the EEA states, taking into account only PSPs that provide credit transfers or direct debits respectively.

For the purposes of point (b) of the first subparagraph, where neither the payer nor the payee is a consumer, only EEA States where such services are made available by PSPs and only PSPs providing such services shall be taken into account.