http://www.legislation.gov.uk/eudr/2015/2366/article/72Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance)Directive (EU) 2015/2366 of the European Parliament and of the CouncilDirective (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance)2020-12-10King's Printer of Acts of Parliamenthttps://webarchive.nationalarchives.gov.uk/eu-exit/https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20151223texttext/xmlen2015-12-23<num>TITLE IV</num><heading><strong>RIGHTS AND OBLIGATIONS IN RELATION TO THE PROVISION AND USE OF PAYMENT SERVICES</strong></heading><chapter eId="title-IV-chapter-2" period="#period2"><num><em>CHAPTER 2</em></num><heading><strong><em>Authorisation of payment transactions</em></strong></heading><article eId="article-72" period="#period1"><num>Article 72</num><heading>Evidence on authentication and execution of payment transactions</heading><paragraph eId="article-72-1"><num>1</num><content><p>Member States shall require that, where a payment service user denies having authorised an executed payment transaction or claims that the payment transaction was not correctly executed, it is for the payment service provider to prove that the payment transaction was authenticated, accurately recorded, entered in the accounts and not affected by a technical breakdown or some other deficiency of the service provided by the payment service provider.</p><p>If the payment transaction is initiated through a payment initiation service provider, the burden shall be on the payment initiation service provider to prove that within its sphere of competence, the payment transaction was authenticated, accurately recorded and not affected by a technical breakdown or other deficiency linked to the payment service of which it is in charge.</p></content></paragraph><paragraph eId="article-72-2"><num>2</num><content><p>Where a payment service user denies having authorised an executed payment transaction, the use of a payment instrument recorded by the payment service provider, including the payment initiation service provider as appropriate, shall in itself not necessarily be sufficient to prove either that the payment transaction was authorised by the payer or that the payer acted fraudulently or failed with intent or gross negligence to fulfil one or more of the obligations under Article 69. The payment service provider, including, where appropriate, the payment initiation service provider, shall provide supporting evidence to prove fraud or gross negligence on part of the payment service user.</p></content></paragraph></article></chapter>
This XML file does not appear to have any style information associated with it. The document tree is shown below.
<akomaNtoso xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://docs.oasis-open.org/legaldocml/ns/akn/3.0" xsi:schemaLocation="http://docs.oasis-open.org/legaldocml/ns/akn/3.0 http://docs.oasis-open.org/legaldocml/akn-core/v1.0/cos01/part2-specs/schemas/akomantoso30.xsd">
<portion includedIn="http://www.legislation.gov.uk/id/eudr/2015/2366">
<meta>
<identification source="#source">
<FRBRWork>
<FRBRthis value="http://www.legislation.gov.uk/id/eudr/2015/2366"/>
<FRBRuri value="http://www.legislation.gov.uk/id/eudr/2015/2366"/>
<FRBRdate date="2015-11-25" name="adopted"/>
<FRBRauthor href="http://publications.europa.eu/resource/authority/corporate-body/OP_DATPRO"/>
<FRBRcountry value="EU"/>
<FRBRnumber value="2366"/>
<FRBRname value="Directive (EU) 2015/2366"/>
<FRBRprescriptive value="true"/>
</FRBRWork>
<FRBRExpression>
<FRBRthis value="http://www.legislation.gov.uk/eudr/2015/2366/article/72"/>
<FRBRuri value="http://www.legislation.gov.uk/eudr/2015/2366"/>
<FRBRdate date="2015-12-23" name="validFrom"/>
<FRBRauthor href="#source"/>
<FRBRlanguage language="eng"/>
</FRBRExpression>
<FRBRManifestation>
<FRBRthis value="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.akn"/>
<FRBRuri value="http://www.legislation.gov.uk/eudr/2015/2366/data.akn"/>
<FRBRdate date="2024-10-31Z" name="transform"/>
<FRBRauthor href="http://www.legislation.gov.uk"/>
<FRBRformat value="application/akn+xml"/>
</FRBRManifestation>
</identification>
<lifecycle source="#source">
<eventRef date="2015-11-25" type="generation" eId="enacted-date" source="#source"/>
<eventRef date="2015-11-25" type="amendment" source="#source"/>
<eventRef date="2015-11-25" eId="effective-date-1" source="#source"/>
<eventRef date="2015-12-23" eId="effective-date-2" source="#source"/>
</lifecycle>
<analysis source="#source">
<restrictions source="#source">
<restriction refersTo="#e+w+s+ni" type="jurisdiction"/>
<restriction href="#d4e749" refersTo="#e+w+s+ni" type="jurisdiction"/>
<restriction href="#article-72" refersTo="#e+w+s+ni" type="jurisdiction"/>
<restriction href="#title-IV" refersTo="#e+w+s+ni" type="jurisdiction"/>
<restriction href="#title-IV-chapter-2" refersTo="#e+w+s+ni" type="jurisdiction"/>
</restrictions>
</analysis>
<temporalData source="#source">
<temporalGroup eId="period1">
<timeInterval start="#effective-date-1" refersTo="#period-concept1"/>
</temporalGroup>
<temporalGroup eId="period2">
<timeInterval start="#effective-date-2" refersTo="#period-concept2"/>
</temporalGroup>
</temporalData>
<references source="#source">
<TLCOrganization eId="source" href="http://www.legislation.gov.uk/id/publisher/KingsOrQueensPrinterOfActsOfParliament" showAs="King's Printer of Acts of Parliament"/>
<TLCLocation eId="e+w+s+ni" href="/ontology/jurisdictions/uk.EnglandWalesScotlandNorthernIreland" showAs="England, Wales, Scotland, Northern Ireland"/>
<TLCConcept eId="period-concept1" href="/ontology/time/2015.11.25" showAs="since 2015-11-25"/>
<TLCConcept eId="period-concept2" href="/ontology/time/2015.12.23" showAs="since 2015-12-23"/>
</references>
<proprietary xmlns:ukl="http://www.legislation.gov.uk/namespaces/legislation" xmlns:ukm="http://www.legislation.gov.uk/namespaces/metadata" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:dct="http://purl.org/dc/terms/" xmlns:atom="http://www.w3.org/2005/Atom" source="#source">
<ukl:RestrictStartDate value="2015-12-23"/>
<dc:identifier>http://www.legislation.gov.uk/eudr/2015/2366/article/72</dc:identifier>
<dc:title>Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance)</dc:title>
<dct:alternative>Directive (EU) 2015/2366 of the European Parliament and of the Council</dct:alternative>
<dc:description>Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance)</dc:description>
<dc:modified>2020-12-10</dc:modified>
<dc:publisher>King's Printer of Acts of Parliament</dc:publisher>
<dc:source>https://webarchive.nationalarchives.gov.uk/eu-exit/https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20151223</dc:source>
<dc:type>text</dc:type>
<dc:format>text/xml</dc:format>
<dc:language>en</dc:language>
<dct:valid>2015-12-23</dct:valid>
<atom:link rel="self" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.xml" type="application/xml"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/resources" href="http://www.legislation.gov.uk/eudr/2015/2366/resources" title="More Resources"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/act" href="http://www.legislation.gov.uk/eudr/2015/2366" title="whole act"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/introduction" href="http://www.legislation.gov.uk/eudr/2015/2366/introduction" title="introduction"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/body" href="http://www.legislation.gov.uk/eudr/2015/2366/body" title="body"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/annexes" href="http://www.legislation.gov.uk/eudr/2015/2366/annexes" title="annexes"/>
<atom:link rel="http://www.legislation.gov.uk/def/date/euexitday" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/2020-01-31" title="2020-01-31"/>
<atom:link rel="http://www.legislation.gov.uk/def/date/euexitTransitionEnd" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/2020-12-31" title="2020-12-31"/>
<atom:link rel="alternate" type="application/rdf+xml" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.rdf" title="RDF/XML"/>
<atom:link rel="alternate" type="application/akn+xml" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.akn" title="AKN"/>
<atom:link rel="alternate" type="application/xhtml+xml" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.xht" title="HTML snippet"/>
<atom:link rel="alternate" type="text/html" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.htm" title="Website (XHTML) Default View"/>
<atom:link rel="alternate" type="text/csv" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.csv" title="CSV"/>
<atom:link rel="alternate" type="application/pdf" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.pdf" title="PDF"/>
<atom:link rel="alternate" type="application/akn+xhtml" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/data.html" title="HTML5 snippet"/>
<atom:link rel="http://purl.org/dc/terms/tableOfContents" hreflang="en" href="http://www.legislation.gov.uk/eudr/2015/2366/contents" title="Table of Contents"/>
<atom:link rel="http://purl.org/dc/terms/hasVersion" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/adopted" title="adopted"/>
<atom:link rel="http://purl.org/dc/terms/hasVersion" href="http://www.legislation.gov.uk/eudr/2015/2366/article/72/2015-11-25" title="2015-11-25"/>
<atom:link rel="up" href="http://www.legislation.gov.uk/eudr/2015/2366" title="Entire legislation"/>
<atom:link rel="prev" href="http://www.legislation.gov.uk/eudr/2015/2366/article/71" title="Provision; Article 71"/>
<atom:link rel="prevInForce" href="http://www.legislation.gov.uk/eudr/2015/2366/article/71" title="Provision; Article 71"/>
<atom:link rel="next" href="http://www.legislation.gov.uk/eudr/2015/2366/article/73" title="Provision; Article 73"/>
<atom:link rel="nextInForce" href="http://www.legislation.gov.uk/eudr/2015/2366/article/73" title="Provision; Article 73"/>
<ukm:EUMetadata>
<ukm:DocumentClassification>
<ukm:DocumentCategory Value="euretained"/>
<ukm:DocumentMainType Value="EuropeanUnionDirective"/>
<ukm:DocumentStatus Value="revised"/>
</ukm:DocumentClassification>
<ukm:Year Value="2015"/>
<ukm:Number Value="2366"/>
<ukm:EURLexIdentifiers>
<ukm:Cellar Value="4f1c6ee8-bdb3-4e55-a477-0bb9379bf566"/>
<ukm:ELI Value="dir:2015:2366:2015-12-23"/>
<ukm:CELEX Value="02015L2366-20151223"/>
</ukm:EURLexIdentifiers>
<ukm:EnactmentDate Date="2015-11-25"/>
<ukm:EURLexModified Date="2020-07-30T16:20:10Z"/>
<ukm:EURLexExtracted Date="2020-07-30T18:28:16Z"/>
<ukm:XMLGenerated Date="2020-12-10T23:21:05Z"/>
<ukm:XMLImported Date="2020-12-10T23:56:47Z"/>
<ukm:CreatedBy Label="Provisional data" URI="http://publications.europa.eu/resource/authority/corporate-body/OP_DATPRO"/>
</ukm:EUMetadata>
<ukm:Alternatives>
<ukm:Alternative URI="http://www.legislation.gov.uk/eudr/2015/2366/pdfs/eudr_20152366_adopted_en.pdf" Date="2015-11-25" Size="1467309"/>
<ukm:Alternative URI="http://www.legislation.gov.uk/eudr/2015/2366/pdfs/eudr_20152366_2015-12-23_en.pdf" Date="2015-12-23" Size="762724" Revised="2015-12-23"/>
</ukm:Alternatives>
<ukm:CorrectionSlips>
<ukm:CorrectionSlip URI="http://www.legislation.gov.uk/eudr/2015/2366/pdfs/eudrcs_20152366_en_001.pdf" Date="2018-04-23" Size="375396"/>
</ukm:CorrectionSlips>
<ukm:Statistics>
<ukm:TotalParagraphs Value="125"/>
<ukm:BodyParagraphs Value="117"/>
<ukm:ScheduleParagraphs Value="8"/>
<ukm:AttachmentParagraphs Value="0"/>
<ukm:TotalImages Value="0"/>
</ukm:Statistics>
</proprietary>
</meta>
<portionBody eId="body" period="#period2">
<title eId="title-IV" period="#period2">
<num>TITLE IV</num>
<heading>
<strong>RIGHTS AND OBLIGATIONS IN RELATION TO THE PROVISION AND USE OF PAYMENT SERVICES</strong>
</heading>
<chapter eId="title-IV-chapter-2" period="#period2">
<num>
<em>CHAPTER 2</em>
</num>
<heading>
<strong>
<em>Authorisation of payment transactions</em>
</strong>
</heading>
<article eId="article-72" period="#period1">
<num>Article 72</num>
<heading>Evidence on authentication and execution of payment transactions</heading>
<paragraph eId="article-72-1">
<num>1</num>
<content>
<p>Member States shall require that, where a payment service user denies having authorised an executed payment transaction or claims that the payment transaction was not correctly executed, it is for the payment service provider to prove that the payment transaction was authenticated, accurately recorded, entered in the accounts and not affected by a technical breakdown or some other deficiency of the service provided by the payment service provider.</p>
<p>If the payment transaction is initiated through a payment initiation service provider, the burden shall be on the payment initiation service provider to prove that within its sphere of competence, the payment transaction was authenticated, accurately recorded and not affected by a technical breakdown or other deficiency linked to the payment service of which it is in charge.</p>
</content>
</paragraph>
<paragraph eId="article-72-2">
<num>2</num>
<content>
<p>Where a payment service user denies having authorised an executed payment transaction, the use of a payment instrument recorded by the payment service provider, including the payment initiation service provider as appropriate, shall in itself not necessarily be sufficient to prove either that the payment transaction was authorised by the payer or that the payer acted fraudulently or failed with intent or gross negligence to fulfil one or more of the obligations under Article 69. The payment service provider, including, where appropriate, the payment initiation service provider, shall provide supporting evidence to prove fraud or gross negligence on part of the payment service user.</p>
</content>
</paragraph>
</article>
</chapter>
</title>
</portionBody>
</portion>
</akomaNtoso>