BETA


2023/0210(COD) Payment services in the internal market

Progress: Awaiting Council's 1st reading position

RoleCommitteeRapporteurShadows
Lead ECON REPASI René (icon: S&D S&D) PEREIRA Lídia (icon: EPP EPP), KOVAŘÍK Ondřej (icon: PfE PfE), MALĄG Marlena (icon: ECR ECR), LØKKEGAARD Morten (icon: Renew Renew), SINKEVIČIUS Virginijus (icon: Greens/EFA Greens/EFA), SARAMO Jussi (icon: The Left The Left), AUST René (icon: ESN ESN)
Former Responsible Committee ECON BELKA Marek (icon: S&D S&D)
Former Committee Opinion IMCO
Former Committee Opinion JURI
Former Committee Opinion LIBE
Lead committee dossier:
Legal Basis:
T, r, e, a, t, y, , o, n, , t, h, e, , F, u, n, c, t, i, o, n, i, n, g, , o, f, , t, h, e, , E, U, , T, F, E, U, , 1, 1, 4

Events

2024/11/13
   EP - Committee referral announced in Parliament, 1st reading
2024/11/13
   EP - Committee decision to enter into interinstitutional negotiations announced in plenary (Rule 72)
2024/10/21
   EP - Committee decision to open interinstitutional negotiations after 1st reading in Parliament
2024/09/12
   EP - REPASI René (S&D) appointed as rapporteur in ECON
2024/08/08
   European Commission - Commission response to text adopted in plenary
Documents
2024/04/30
   European Central Bank: opinion, guideline, report - ECB
2024/04/23
   EP - Decision by Parliament, 1st reading
Details

The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.

The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.

The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:

Currency and currency conversion

Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.

Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.

Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed

The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).

Rights and obligations in relation to the provision and use of payment services

When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.

The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.

Provision by credit institutions of payment accounts to payment institutions

A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .

Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.

Addressing location-based payment account identifier discrimination

Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.

Limits and blocking of the use of the payment instrument

Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.

Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.

Means of communication

In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.

Payment service provider’s liability for unauthorised payment transactions

Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.

Awareness measures

Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.

Fair, reasonable and non-discriminatory access to mobile devices

Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.

Text adopted by Parliament, 1st reading/single reading

Documents
2024/04/23
   EP - Results of vote in Parliament
2024/02/22
   EP - Committee report tabled for plenary, 1st reading
Details

The Committee on Economic and Monetary Affairs adopted the report by Marek BELKA (S&D, PL) on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.

The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.

The committee responsible recommended that the European Parliament's position adopted at first reading under the ordinary legislative procedure should amend the proposal as follows:

Transparency of conditions and information requirements

The amended text specifies that where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction.

Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.

Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.

Rights and obligations in relation to the provision and use of payment services

When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process, specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.

The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.

Provision by credit institutions of payment accounts to payment institutions

A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds.

Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.

Limits and blocking of the use of the payment instrument

Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.

Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.

Means of communication

In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.

Payment service provider’s liability for unauthorised payment transactions

Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.

Educational measures

Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. The service providers should: (i) give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them; (ii) inform their customers of the procedure for reporting fraudulent actions and how to rapidly obtain fraud-related information.

Member States should allocate substantial means to investing in education on payment-related fraud . Such education may take the form of a media campaign or lessons at schools.

Fair, reasonable and non-discriminatory access to mobile devices

Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.

Committee report tabled for plenary, 1st reading/single reading

Documents
2024/02/14
   EP - Vote in committee, 1st reading
2023/12/13
   Economic and Social Committee: opinion, report - ESC
Documents
2023/12/04
   European Parliament - Amendments tabled in committee
Documents
2023/12/04
   European Parliament - Amendments tabled in committee
Documents
2023/11/14
   CZ_CHAMBER - Contribution
Documents
2023/11/13
   European Parliament - Committee draft report
Documents
2023/09/11
   EP - Committee referral announced in Parliament, 1st reading
2023/08/22
   Document attached to the procedure - EDPS
2023/07/19
   EP - BELKA Marek (S&D) appointed as rapporteur in ECON
2023/06/29
   European Commission - Document attached to the procedure
2023/06/29
   European Commission - Document attached to the procedure
2023/06/29
   European Commission - Document attached to the procedure
2023/06/28
   European Commission - Legislative proposal
Details

PURPOSE: to lay down rules on payment services in the internal market.

PROPOSED ACT: Regulation of the European Parliament and of the Council.

ROLE OF THE EUROPEAN PARLIAMENT: the European Parliament decides in accordance with the ordinary legislative procedure and on an equal footing with the Council.

BACKGROUND: the second Payment Services Directive (PSD2) provides a legal framework for all retail payments in the EU, both Euro and other currencies, domestic and cross-border. PSD2 has tackled the barriers to access to new types of payment services and improved the level of consumer protection and security. PSD2 contains both rules on the provision of payment services by payment service providers (PSPs) and rules on the authorisation and supervision of a specific category of financial service providers, namely payment institutions.

The review of PSD2 has led the Commission to decide to propose legislative changes to PSD2 in order to improve its functioning. These changes are set out in two proposals, this proposal for a Regulation on payment services in the EU and a proposal for a Directive on payment and e-money services, focusing on the authorisation and supervision of payment institutions (and amending certain other Directives).

The impact assessment accompanying this proposal (as well as the proposal for a Directive on payment and e-money services) found that there are four key problems in the EU payment market, despite the achievements of PSD2: (i) consumers are at risk of fraud and lack confidence in payments; (ii) the open banking sector functions imperfectly; (iii) supervisors in EU Member States have inconsistent powers and obligations; (iv) there is an unlevel playing field between banks and non-bank PSPs.

The proposal will amend and modernise the current Payment Services Regulation (PSR). It will ensure consumers can continue to safely and securely make electronic payments and transactions in the EU, domestically or cross-border, in euro and non-euro.

CONTENT: the proposed Regulation lays down rules applicable to payment services providers related to payments. It lays down uniform requirements on the provision of payment services and electronic money services, as regards:

- the transparency of conditions and information requirements for payment services and electronic money services;

- the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.

It will apply to payment services provided within the Union by the following categories of payment service providers:

- credit institutions, 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;

- post office giro institutions which are entitled under national law to provide payment services;

- payment institutions;

- the ECB and national central banks when not acting in their capacity as monetary authority or other public authorities;

- Member States or their regional or local authorities when not acting in their capacity as public authorities.

More specifically, it consists of a package of measures which:

- combat and mitigate payment fraud , by enabling payment service providers to share fraud-related information between themselves, increasing consumers' awareness, strengthening customer authentication rules, extending refund rights of consumers who fall victim to fraud and making a system for checking alignment of payees' IBAN numbers with their account names mandatory for all credit transfers;

- improve consumer rights , in cases for example where their funds are temporarily blocked, improve transparency on their account statements and provide more transparent information on ATM charges;

- further levelling the playing field between banks and non-banks , in particular by allowing non-bank payment service providers access to all EU payment systems, with appropriate safeguards, and securing those providers' rights to a bank account;

- improve the functioning of open banking , by removing remaining obstacles to providing open banking services and improving customers' control over their payment data, enabling new innovative services to enter the market;

- improve the availability of cash in shops and via ATMs, by allowing retailers to provide cash services to customers without requiring a purchase and clarifying the rules for independent ATM operators;

- strengthen harmonisation and enforcement, by enacting most payment rules in a directly applicable regulation and reinforcing provisions on implementation and penalties.

Legislative proposal

2023/06/28
   EC - Legislative proposal published
Details

PURPOSE: to lay down rules on payment services in the internal market.

PROPOSED ACT: Regulation of the European Parliament and of the Council.

ROLE OF THE EUROPEAN PARLIAMENT: the European Parliament decides in accordance with the ordinary legislative procedure and on an equal footing with the Council.

BACKGROUND: the second Payment Services Directive (PSD2) provides a legal framework for all retail payments in the EU, both Euro and other currencies, domestic and cross-border. PSD2 has tackled the barriers to access to new types of payment services and improved the level of consumer protection and security. PSD2 contains both rules on the provision of payment services by payment service providers (PSPs) and rules on the authorisation and supervision of a specific category of financial service providers, namely payment institutions.

The review of PSD2 has led the Commission to decide to propose legislative changes to PSD2 in order to improve its functioning. These changes are set out in two proposals, this proposal for a Regulation on payment services in the EU and a proposal for a Directive on payment and e-money services, focusing on the authorisation and supervision of payment institutions (and amending certain other Directives).

The impact assessment accompanying this proposal (as well as the proposal for a Directive on payment and e-money services) found that there are four key problems in the EU payment market, despite the achievements of PSD2: (i) consumers are at risk of fraud and lack confidence in payments; (ii) the open banking sector functions imperfectly; (iii) supervisors in EU Member States have inconsistent powers and obligations; (iv) there is an unlevel playing field between banks and non-bank PSPs.

The proposal will amend and modernise the current Payment Services Regulation (PSR). It will ensure consumers can continue to safely and securely make electronic payments and transactions in the EU, domestically or cross-border, in euro and non-euro.

CONTENT: the proposed Regulation lays down rules applicable to payment services providers related to payments. It lays down uniform requirements on the provision of payment services and electronic money services, as regards:

- the transparency of conditions and information requirements for payment services and electronic money services;

- the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.

It will apply to payment services provided within the Union by the following categories of payment service providers:

- credit institutions, 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;

- post office giro institutions which are entitled under national law to provide payment services;

- payment institutions;

- the ECB and national central banks when not acting in their capacity as monetary authority or other public authorities;

- Member States or their regional or local authorities when not acting in their capacity as public authorities.

More specifically, it consists of a package of measures which:

- combat and mitigate payment fraud , by enabling payment service providers to share fraud-related information between themselves, increasing consumers' awareness, strengthening customer authentication rules, extending refund rights of consumers who fall victim to fraud and making a system for checking alignment of payees' IBAN numbers with their account names mandatory for all credit transfers;

- improve consumer rights , in cases for example where their funds are temporarily blocked, improve transparency on their account statements and provide more transparent information on ATM charges;

- further levelling the playing field between banks and non-banks , in particular by allowing non-bank payment service providers access to all EU payment systems, with appropriate safeguards, and securing those providers' rights to a bank account;

- improve the functioning of open banking , by removing remaining obstacles to providing open banking services and improving customers' control over their payment data, enabling new innovative services to enter the market;

- improve the availability of cash in shops and via ATMs, by allowing retailers to provide cash services to customers without requiring a purchase and clarifying the rules for independent ATM operators;

- strengthen harmonisation and enforcement, by enacting most payment rules in a directly applicable regulation and reinforcing provisions on implementation and penalties.

Legislative proposal

Documents

Votes

A9-0052/2024 – Marek Belka – Commission proposal and amendment #

2024/04/23 Outcome: +: 511, 0: 75, -: 22
FR DE ES IT RO PL NL SE HU BE CZ PT BG FI DK IE AT SK LT SI EL LV LU MT EE HR ?? CY
Total
71
89
55
59
24
41
26
20
17
21
21
20
14
14
14
12
17
13
10
8
12
7
6
4
6
5
1
1
icon: PPE PPE
149

Hungary PPE

1

Denmark PPE

For (1)

1

Luxembourg PPE

2

Malta PPE

For (1)

1
icon: S&D S&D
125

Belgium S&D

2

Czechia S&D

For (1)

1

Bulgaria S&D

3

Slovakia S&D

For (1)

1

Lithuania S&D

2

Slovenia S&D

2

Greece S&D

1

Latvia S&D

2

Luxembourg S&D

For (1)

1

Estonia S&D

2

S&D

For (1)

1

Cyprus S&D

1
icon: Renew Renew
94

Poland Renew

1
3

Hungary Renew

For (1)

1

Bulgaria Renew

2

Finland Renew

3

Ireland Renew

2

Austria Renew

For (1)

1

Lithuania Renew

1

Slovenia Renew

2

Latvia Renew

For (1)

1

Luxembourg Renew

2

Estonia Renew

3
icon: Verts/ALE Verts/ALE
67

Spain Verts/ALE

3

Italy Verts/ALE

For (1)

1

Poland Verts/ALE

For (1)

1

Netherlands Verts/ALE

3

Sweden Verts/ALE

3

Belgium Verts/ALE

3

Czechia Verts/ALE

3

Portugal Verts/ALE

1

Finland Verts/ALE

3

Denmark Verts/ALE

2

Ireland Verts/ALE

Abstain (1)

2

Austria Verts/ALE

3

Lithuania Verts/ALE

2

Greece Verts/ALE

For (1)

1

Luxembourg Verts/ALE

For (1)

1
icon: The Left The Left
30

Sweden The Left

For (1)

1

Belgium The Left

For (1)

1

Czechia The Left

1

Finland The Left

For (1)

1

Denmark The Left

1

Greece The Left

2
icon: NI NI
36

Germany NI

Abstain (1)

3
1

Romania NI

Abstain (1)

1

Netherlands NI

Against (1)

1

Belgium NI

For (1)

1

Czechia NI

Abstain (1)

1

Slovakia NI

Against (1)

3

Greece NI

For (1)

Against (1)

3

Latvia NI

1

Croatia NI

Abstain (1)

1
icon: ECR ECR
57

France ECR

For (1)

1

Germany ECR

Abstain (1)

1

Romania ECR

Abstain (1)

1

Sweden ECR

2

Bulgaria ECR

2

Finland ECR

2

Slovakia ECR

Abstain (1)

1

Lithuania ECR

Abstain (1)

1

Greece ECR

Against (1)

1
icon: ID ID
50

Czechia ID

Against (1)

1

Denmark ID

Against (1)

1

Austria ID

3

Estonia ID

Against (1)

1
AmendmentsDossier
479 2023/0210(COD)
2023/12/04 ECON 479 amendments...
source: 757.115

History

(these mark the time of scraping, not the official date of the change)

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events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
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Text adopted by Parliament, 1st reading/single reading
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events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
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Text adopted by Parliament, 1st reading/single reading
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EP
events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
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Text adopted by Parliament, 1st reading/single reading
body
EP
events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
type
Text adopted by Parliament, 1st reading/single reading
body
EP
events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
type
Text adopted by Parliament, 1st reading/single reading
body
EP
events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
type
Text adopted by Parliament, 1st reading/single reading
body
EP
events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
type
Text adopted by Parliament, 1st reading/single reading
body
EP
events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
type
Text adopted by Parliament, 1st reading/single reading
body
EP
events/4/summary
  • The European Parliament adopted by 511 votes to 22, with 75 abstentions, a legislative resolution on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The European Parliament’s position adopted at first reading under the ordinary legislative procedure amends the proposal as follows:
  • Currency and currency conversion
  • Where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction. Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Natural or legal persons providing cash withdrawal services should provide in a transparent, distinguishable and understandable way to their customers information on any charges, including the exchange rate and any mark-up over the latest available applicable foreign exchange rate issued by the relevant central bank, directly at the initiation of the process of withdrawal as well as upon receipt of the cash when the transaction is completed
  • The Regulation provides for a derogation from the information requirements for low-value payment instruments and electronic money (payment transactions with a unit amount not exceeding EUR 50 or with a spending limit of EUR 250).
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process , specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds .
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Addressing location-based payment account identifier discrimination
  • Where a payer makes a credit transfer to a payee holding a payment account located within the Union, the payer should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable. Where a payee accepts a credit transfer or uses a direct debit to collect funds from a payer holding a payment account located within the Union, the payee should not be required to specify the Member State in which that payment account is located, provided that the payment account is reachable.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Awareness measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. They should give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-04-23T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/TA-9-2024-0298_EN.html title: T9-0298/2024
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  • date: 2024-04-22T00:00:00 title: Indicative plenary sitting date
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Awaiting Parliament's position in 1st reading
New
Awaiting Council's 1st reading position
docs/8
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2024-04-23T00:00:00
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2024-04-23T00:00:00
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Awaiting Parliament's position in 1st reading
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Awaiting Council's 1st reading position
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2024-02-22T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/A-9-2024-0052_EN.html title: A9-0052/2024
type
Committee report tabled for plenary, 1st reading/single reading
body
EP
events/3/summary
  • The Committee on Economic and Monetary Affairs adopted the report by Marek BELKA (S&D, PL) on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The committee responsible recommended that the European Parliament's position adopted at first reading under the ordinary legislative procedure should amend the proposal as follows:
  • Transparency of conditions and information requirements
  • The amended text specifies that where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction.
  • Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process, specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds.
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Educational measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. The service providers should: (i) give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them; (ii) inform their customers of the procedure for reporting fraudulent actions and how to rapidly obtain fraud-related information.
  • Member States should allocate substantial means to investing in education on payment-related fraud . Such education may take the form of a media campaign or lessons at schools.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-02-22T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/A-9-2024-0052_EN.html title: A9-0052/2024
type
Committee report tabled for plenary, 1st reading/single reading
body
EP
events/3/summary
  • The Committee on Economic and Monetary Affairs adopted the report by Marek BELKA (S&D, PL) on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The committee responsible recommended that the European Parliament's position adopted at first reading under the ordinary legislative procedure should amend the proposal as follows:
  • Transparency of conditions and information requirements
  • The amended text specifies that where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction.
  • Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process, specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds.
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Educational measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. The service providers should: (i) give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them; (ii) inform their customers of the procedure for reporting fraudulent actions and how to rapidly obtain fraud-related information.
  • Member States should allocate substantial means to investing in education on payment-related fraud . Such education may take the form of a media campaign or lessons at schools.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-02-22T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/A-9-2024-0052_EN.html title: A9-0052/2024
type
Committee report tabled for plenary, 1st reading/single reading
body
EP
events/3/summary
  • The Committee on Economic and Monetary Affairs adopted the report by Marek BELKA (S&D, PL) on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The committee responsible recommended that the European Parliament's position adopted at first reading under the ordinary legislative procedure should amend the proposal as follows:
  • Transparency of conditions and information requirements
  • The amended text specifies that where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction.
  • Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process, specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds.
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Educational measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. The service providers should: (i) give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them; (ii) inform their customers of the procedure for reporting fraudulent actions and how to rapidly obtain fraud-related information.
  • Member States should allocate substantial means to investing in education on payment-related fraud . Such education may take the form of a media campaign or lessons at schools.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-02-22T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/A-9-2024-0052_EN.html title: A9-0052/2024
type
Committee report tabled for plenary, 1st reading/single reading
body
EP
events/3/summary
  • The Committee on Economic and Monetary Affairs adopted the report by Marek BELKA (S&D, PL) on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The committee responsible recommended that the European Parliament's position adopted at first reading under the ordinary legislative procedure should amend the proposal as follows:
  • Transparency of conditions and information requirements
  • The amended text specifies that where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction.
  • Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process, specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds.
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Educational measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. The service providers should: (i) give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them; (ii) inform their customers of the procedure for reporting fraudulent actions and how to rapidly obtain fraud-related information.
  • Member States should allocate substantial means to investing in education on payment-related fraud . Such education may take the form of a media campaign or lessons at schools.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-02-22T00:00:00
docs
url: https://www.europarl.europa.eu/doceo/document/A-9-2024-0052_EN.html title: A9-0052/2024
type
Committee report tabled for plenary, 1st reading/single reading
body
EP
events/3/summary
  • The Committee on Economic and Monetary Affairs adopted the report by Marek BELKA (S&D, PL) on the proposal for a regulation of the European Parliament and of the Council on payment services in the internal market and amending Regulation (EU) No 1093/2010.
  • The proposed Regulation lays down uniform requirements on the provision of payment services and electronic money services, as regards: (a) the transparency of conditions and information requirements for payment services and electronic money services; (b) the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • The committee responsible recommended that the European Parliament's position adopted at first reading under the ordinary legislative procedure should amend the proposal as follows:
  • Transparency of conditions and information requirements
  • The amended text specifies that where a currency conversion service is offered prior to the initiation of the payment transaction and where that currency conversion service is offered at an ATM, at the point of sale or by the payee, the party offering the currency conversion service to the payer should disclose to the payer all charges and the exchange rate to be used for converting the payment transaction.
  • Information on charges and the exchange rate should be provided in a prominent and transparent manner prior to authorisation of the payment transaction by the payer.
  • Where, for the use of a given payment instrument, the payee requests a charge or offers a reduction, the payee should inform the payer thereof prior to the initiation of the payment transaction, in a clear, transparent and accessible format.
  • Rights and obligations in relation to the provision and use of payment services
  • When an operator of an automatic teller machine (ATM) is authorised as a credit institution or payment service provider in the Union, and provides cash withdrawal services, that operator should provide or make available information about any fixed fee applicable at the initiation of the withdrawal process, specifically at or before the moment the user’s card is inserted into, or tapped against, the ATM. Any such fixed fee should be displayed in monetary value and ensure that the user is informed in a transparent, distinguishable and understandable way of any fixed fees charged by that ATM operator for the cash withdrawal, regardless of the provenance of the ATM card used.
  • The payment service provider should not prevent the payee from offering the payer a reduction or otherwise steering the payer towards the use of a given payment instrument.
  • Provision by credit institutions of payment accounts to payment institutions
  • A credit institution should only refuse to open or should only close a payment account for a payment institution for its agents or distributors or for an applicant for a license as a payment institution in cases where it is justified on objective, non-discriminatory and proportionate grounds.
  • Where a credit institution decides to close a payment account in accordance with this paragraph, the account closure should take effect upon the expiry of a notice period which should not be less than four months, unless the payment account is closed due to fraud-related reasons or reasons connected to illegal activities.
  • Limits and blocking of the use of the payment instrument
  • Where a specific payment instrument is used for the purposes of giving permission, the payer and the payer’s payment service provider should offer to the payment service user the possibility of setting fair and proportionate spending limits for payment transactions executed through that payment instrument.
  • Payment service providers should block the payment instrument in the case of objectively justified risks relating to the security of the payment instrument, the suspicion of unauthorised or fraudulent use of the payment instrument. Where such blocking does not take place despite reasonable grounds for suspecting fraud, the payer should not bear any financial consequences, except where the payer has acted fraudulently.
  • Means of communication
  • In order for the payment service user to have an easier access to the payment service provider, the latter should create and serve a communication channel to enable the payment service user to make a notification or to request unblocking of the payment instrument as provided for in this Regulation. That channel should also make it possible for the payment service user to make a notification about a fraudulent transaction, to receive qualified advice when suspecting to be victim of a fraud attack and to notify problematic issues concerning conducted payments, such as errors of the payment machines during the payments.
  • Payment service provider’s liability for unauthorised payment transactions
  • Where the payer’s payment service provider had reasonable grounds for suspecting fraud committed by the payer, the payer’s payment service provider should, within 14 business days after noting or being notified of the transaction, do either of the following: (a) refund the payer the amount of the unauthorised payment transaction if the payer’s payment service provider has concluded, after further investigation, that no fraud has been committed by the payer.
  • Educational measures
  • Electronic communications service providers should have in place all necessary educational measures, including alerts to their customers via all appropriate means and media when new forms of online scams emerge, taking into account the needs of their most vulnerable groups of customers. The service providers should: (i) give their customers clear indications as to how to identify fraudulent attempts and warn them as to the necessary actions and precautions to be taken to avoid falling victim to fraudulent actions targeting them; (ii) inform their customers of the procedure for reporting fraudulent actions and how to rapidly obtain fraud-related information.
  • Member States should allocate substantial means to investing in education on payment-related fraud . Such education may take the form of a media campaign or lessons at schools.
  • Fair, reasonable and non-discriminatory access to mobile devices
  • Original equipment manufacturers of mobile devices and electronic communications service providers should not be prevented from taking strictly necessary and proportionate measures to ensure that interoperability does not compromise the integrity of the hardware and software features concerned by the interoperability obligation provided that such measures are duly justified.
docs/8
date
2024-02-22T00:00:00
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  • body: EC dg: Financial Stability, Financial Services and Capital Markets Union commissioner: MCGUINNESS Mairead
committees/0/shadows/2
name
GRUFFAT Claude
group
Group of the Greens/European Free Alliance
abbr
Verts/ALE
committees/1/opinion
False
committees/0/shadows/2
name
JURZYCA Eugen
group
European Conservatives and Reformists Group
abbr
ECR
events/1
date
2023-09-11T00:00:00
type
Committee referral announced in Parliament, 1st reading
body
EP
procedure/dossier_of_the_committee
  • ECON/9/12430
procedure/stage_reached
Old
Preparatory phase in Parliament
New
Awaiting committee decision
committees/0/shadows/1
name
KOVAŘÍK Ondřej
group
Renew Europe group
abbr
Renew
procedure/Legislative priorities
  • title: Joint Declaration 2023-24 url: https://oeil.secure.europarl.europa.eu/oeil/popups/thematicnote.do?id=41380&l=en
committees/0/shadows
  • name: PEREIRA Lídia group: Group of European People's Party abbr: EPP
committees/0/rapporteur
  • name: BELKA Marek date: 2023-07-19T00:00:00 group: Group of Progressive Alliance of Socialists and Democrats abbr: S&D
committees/2/opinion
False
committees/3/opinion
False
docs/0
date
2023-06-29T00:00:00
docs
title: SEC(2023)0256
type
Document attached to the procedure
body
EC
docs/0
date
2023-06-28T00:00:00
docs
type
Legislative proposal
body
EC
docs/0/docs/0
url
https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=SECfinal&an_doc=2023&nu_doc=0256
title
EUR-Lex
docs/1
date
2023-06-29T00:00:00
docs
title: SEC(2023)0256
type
Document attached to the procedure
body
EC
events/0/summary
  • PURPOSE: to lay down rules on payment services in the internal market.
  • PROPOSED ACT: Regulation of the European Parliament and of the Council.
  • ROLE OF THE EUROPEAN PARLIAMENT: the European Parliament decides in accordance with the ordinary legislative procedure and on an equal footing with the Council.
  • BACKGROUND: the second Payment Services Directive (PSD2) provides a legal framework for all retail payments in the EU, both Euro and other currencies, domestic and cross-border. PSD2 has tackled the barriers to access to new types of payment services and improved the level of consumer protection and security. PSD2 contains both rules on the provision of payment services by payment service providers (PSPs) and rules on the authorisation and supervision of a specific category of financial service providers, namely payment institutions.
  • The review of PSD2 has led the Commission to decide to propose legislative changes to PSD2 in order to improve its functioning. These changes are set out in two proposals, this proposal for a Regulation on payment services in the EU and a proposal for a Directive on payment and e-money services, focusing on the authorisation and supervision of payment institutions (and amending certain other Directives).
  • The impact assessment accompanying this proposal (as well as the proposal for a Directive on payment and e-money services) found that there are four key problems in the EU payment market, despite the achievements of PSD2: (i) consumers are at risk of fraud and lack confidence in payments; (ii) the open banking sector functions imperfectly; (iii) supervisors in EU Member States have inconsistent powers and obligations; (iv) there is an unlevel playing field between banks and non-bank PSPs.
  • The proposal will amend and modernise the current Payment Services Regulation (PSR). It will ensure consumers can continue to safely and securely make electronic payments and transactions in the EU, domestically or cross-border, in euro and non-euro.
  • CONTENT: the proposed Regulation lays down rules applicable to payment services providers related to payments. It lays down uniform requirements on the provision of payment services and electronic money services, as regards:
  • - the transparency of conditions and information requirements for payment services and electronic money services;
  • - the respective rights and obligations of payment and electronic money service users, and of payment and electronic money service providers in relation to the provision of payment services and electronic money services.
  • It will apply to payment services provided within the Union by the following categories of payment service providers:
  • - credit institutions, 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;
  • - post office giro institutions which are entitled under national law to provide payment services;
  • - payment institutions;
  • - the ECB and national central banks when not acting in their capacity as monetary authority or other public authorities;
  • - Member States or their regional or local authorities when not acting in their capacity as public authorities.
  • More specifically, it consists of a package of measures which:
  • - combat and mitigate payment fraud , by enabling payment service providers to share fraud-related information between themselves, increasing consumers' awareness, strengthening customer authentication rules, extending refund rights of consumers who fall victim to fraud and making a system for checking alignment of payees' IBAN numbers with their account names mandatory for all credit transfers;
  • - improve consumer rights , in cases for example where their funds are temporarily blocked, improve transparency on their account statements and provide more transparent information on ATM charges;
  • - further levelling the playing field between banks and non-banks , in particular by allowing non-bank payment service providers access to all EU payment systems, with appropriate safeguards, and securing those providers' rights to a bank account;
  • - improve the functioning of open banking , by removing remaining obstacles to providing open banking services and improving customers' control over their payment data, enabling new innovative services to enter the market;
  • - improve the availability of cash in shops and via ATMs, by allowing retailers to provide cash services to customers without requiring a purchase and clarifying the rules for independent ATM operators;
  • - strengthen harmonisation and enforcement, by enacting most payment rules in a directly applicable regulation and reinforcing provisions on implementation and penalties.
docs/0/docs/1
url
https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=2023&nu_doc=0367
title
EUR-Lex
events/0/docs/1
url
https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=2023&nu_doc=0367
title
EUR-Lex