1. This Regulation applies to payment services provided within the Union by the following categories of payment service providers:
(a) credit institutions as defined in Article 4(1), point (1) of Regulation (EU) No 575/2013 of the European Parliament and of the Council [Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 (OJ L 176, 27.6.2013, p. 1).], including branches thereof where such branches are located in the Union, whether the head offices of those are located within the Union or outside the Union;
(b) post office giro institutions which are entitled under national law to provide payment services;
(c) payment institutions;
(d) the ECB and national central banks when not acting in their capacity as monetary authority or other public authorities;
(e) Member States or their regional or local authorities when not acting in their capa
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