http://www.legislation.gov.uk/eudr/2015/2366/title/IV/chapter/3/section/2/2020-01-31Directive (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-3" period="#period2"><num><em>CHAPTER 3</em></num><heading><strong><em>Execution of payment transactions</em></strong></heading><section eId="title-IV-chapter-3-section-2" period="#period1"><num><inline name="expanded">Section 2</inline></num><heading><strong><inline name="expanded">Execution time and value date</inline></strong></heading><article eId="article-82" period="#period1"><num>Article 82</num><heading>Scope</heading><paragraph eId="article-82-1"><num>1</num><intro><p>This Section applies to:</p></intro><subparagraph eId="d4e786"><num>a</num><content><p>payment transactions in euro;</p></content></subparagraph><subparagraph eId="d4e792"><num>b</num><content><p>national payment transactions in the currency of the Member State outside the euro area;</p></content></subparagraph><subparagraph eId="d4e798"><num>c</num><content><p>payment transactions involving only one currency conversion between the euro and the currency of a Member State outside the euro area, provided that the required currency conversion is carried out in the Member State outside the euro area concerned and, in the case of cross-border payment transactions, the cross-border transfer takes place in euro.</p></content></subparagraph></paragraph><paragraph eId="article-82-2"><num>2</num><content><p>This Section applies to payment transactions not referred to in the paragraph 1, unless otherwise agreed between the payment service user and the payment service provider, with the exception of Article 87, which is not at the disposal of the parties. However, if the payment service user and the payment service provider agree on a longer period than that set in Article 83, for intra-Union payment transactions, that longer period shall not exceed 4 business days following the time of receipt as referred to in Article 78.</p></content></paragraph></article><article eId="article-83" period="#period1"><num>Article 83</num><heading>Payment transactions to a payment account</heading><paragraph eId="article-83-1"><num>1</num><content><p>Member States shall require the payer’s payment service provider to ensure that after the time of receipt as referred to in Article 78, the amount of the payment transaction will be credited to the payee’s payment service provider’s account by the end of the following business day. That time limit may be extended by a further business day for paper-initiated payment transactions.</p></content></paragraph><paragraph eId="article-83-2"><num>2</num><content><p>Member States shall require the payment service provider of the payee to value date and make available the amount of the payment transaction to the payee’s payment account after the payment service provider has received the funds in accordance with Article 87.</p></content></paragraph><paragraph eId="article-83-3"><num>3</num><content><p>Member States shall require the payee’s payment service provider to transmit a payment order initiated by or through the payee to the payer’s payment service provider within the time limits agreed between the payee and the payment service provider, enabling settlement, as far as direct debit is concerned, on the agreed due date.</p></content></paragraph></article><article eId="article-84" period="#period1"><num>Article 84</num><heading>Absence of payee’s payment account with the payment service provider</heading><content><p>Where the payee does not have a payment account with the payment service provider, the funds shall be made available to the payee by the payment service provider who receives the funds for the payee within the time limit laid down in Article 83.</p></content></article><article eId="article-85" period="#period1"><num>Article 85</num><heading>Cash placed on a payment account</heading><content><p>Where a consumer places cash on a payment account with that payment service provider in the currency of that payment account, the payment service provider shall ensure that the amount is made available and value dated immediately after receipt of the funds. Where the payment service user is not a consumer, the amount shall be made available and value dated at the latest on the following business day after receipt of the funds.</p></content></article><article eId="article-86" period="#period1"><num>Article 86</num><heading>National payment transactions</heading><content><p>For national payment transactions, Member States may provide for shorter maximum execution times than those provided for in this Section.</p></content></article><article eId="article-87" period="#period1"><num>Article 87</num><heading>Value date and availability of funds</heading><paragraph eId="article-87-1"><num>1</num><content><p>Member States shall ensure that the credit value date for the payee’s payment account is no later than the business day on which the amount of the payment transaction is credited to the payee’s payment service provider’s account.</p></content></paragraph><paragraph eId="article-87-2"><num>2</num><intro><p>The payment service provider of the payee shall ensure that the amount of the payment transaction is at the payee’s disposal immediately after that amount is credited to the payee’s payment service provider’s account where, on the part of the payee’s payment service provider, there is:</p></intro><subparagraph eId="d4e881"><num>a</num><content><p>no currency conversion; or</p></content></subparagraph><subparagraph eId="d4e887"><num>b</num><content><p>a currency conversion between the euro and a Member State currency or between two Member State currencies.</p></content></subparagraph><wrapUp><p>The obligation laid down in this paragraph shall also apply to payments within one payment service provider.</p></wrapUp></paragraph><paragraph eId="article-87-3"><num>3</num><content><p>Member States shall ensure that the debit value date for the payer’s payment account is no earlier than the time at which the amount of the payment transaction is debited to that payment account.</p></content></paragraph></article></section></chapter>
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<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-3" period="#period2">
<num>
<em>CHAPTER 3</em>
</num>
<heading>
<strong>
<em>Execution of payment transactions</em>
</strong>
</heading>
<section eId="title-IV-chapter-3-section-2" period="#period1">
<num>
<inline name="expanded">Section 2</inline>
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<heading>
<strong>
<inline name="expanded">Execution time and value date</inline>
</strong>
</heading>
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<num>Article 82</num>
<heading>Scope</heading>
<paragraph eId="article-82-1">
<num>1</num>
<intro>
<p>This Section applies to:</p>
</intro>
<subparagraph eId="d4e786">
<num>a</num>
<content>
<p>payment transactions in euro;</p>
</content>
</subparagraph>
<subparagraph eId="d4e792">
<num>b</num>
<content>
<p>national payment transactions in the currency of the Member State outside the euro area;</p>
</content>
</subparagraph>
<subparagraph eId="d4e798">
<num>c</num>
<content>
<p>payment transactions involving only one currency conversion between the euro and the currency of a Member State outside the euro area, provided that the required currency conversion is carried out in the Member State outside the euro area concerned and, in the case of cross-border payment transactions, the cross-border transfer takes place in euro.</p>
</content>
</subparagraph>
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<paragraph eId="article-82-2">
<num>2</num>
<content>
<p>This Section applies to payment transactions not referred to in the paragraph 1, unless otherwise agreed between the payment service user and the payment service provider, with the exception of Article 87, which is not at the disposal of the parties. However, if the payment service user and the payment service provider agree on a longer period than that set in Article 83, for intra-Union payment transactions, that longer period shall not exceed 4 business days following the time of receipt as referred to in Article 78.</p>
</content>
</paragraph>
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<num>Article 83</num>
<heading>Payment transactions to a payment account</heading>
<paragraph eId="article-83-1">
<num>1</num>
<content>
<p>Member States shall require the payer’s payment service provider to ensure that after the time of receipt as referred to in Article 78, the amount of the payment transaction will be credited to the payee’s payment service provider’s account by the end of the following business day. That time limit may be extended by a further business day for paper-initiated payment transactions.</p>
</content>
</paragraph>
<paragraph eId="article-83-2">
<num>2</num>
<content>
<p>Member States shall require the payment service provider of the payee to value date and make available the amount of the payment transaction to the payee’s payment account after the payment service provider has received the funds in accordance with Article 87.</p>
</content>
</paragraph>
<paragraph eId="article-83-3">
<num>3</num>
<content>
<p>Member States shall require the payee’s payment service provider to transmit a payment order initiated by or through the payee to the payer’s payment service provider within the time limits agreed between the payee and the payment service provider, enabling settlement, as far as direct debit is concerned, on the agreed due date.</p>
</content>
</paragraph>
</article>
<article eId="article-84" period="#period1">
<num>Article 84</num>
<heading>Absence of payee’s payment account with the payment service provider</heading>
<content>
<p>Where the payee does not have a payment account with the payment service provider, the funds shall be made available to the payee by the payment service provider who receives the funds for the payee within the time limit laid down in Article 83.</p>
</content>
</article>
<article eId="article-85" period="#period1">
<num>Article 85</num>
<heading>Cash placed on a payment account</heading>
<content>
<p>Where a consumer places cash on a payment account with that payment service provider in the currency of that payment account, the payment service provider shall ensure that the amount is made available and value dated immediately after receipt of the funds. Where the payment service user is not a consumer, the amount shall be made available and value dated at the latest on the following business day after receipt of the funds.</p>
</content>
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<article eId="article-86" period="#period1">
<num>Article 86</num>
<heading>National payment transactions</heading>
<content>
<p>For national payment transactions, Member States may provide for shorter maximum execution times than those provided for in this Section.</p>
</content>
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<num>Article 87</num>
<heading>Value date and availability of funds</heading>
<paragraph eId="article-87-1">
<num>1</num>
<content>
<p>Member States shall ensure that the credit value date for the payee’s payment account is no later than the business day on which the amount of the payment transaction is credited to the payee’s payment service provider’s account.</p>
</content>
</paragraph>
<paragraph eId="article-87-2">
<num>2</num>
<intro>
<p>The payment service provider of the payee shall ensure that the amount of the payment transaction is at the payee’s disposal immediately after that amount is credited to the payee’s payment service provider’s account where, on the part of the payee’s payment service provider, there is:</p>
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<subparagraph eId="d4e881">
<num>a</num>
<content>
<p>no currency conversion; or</p>
</content>
</subparagraph>
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<content>
<p>a currency conversion between the euro and a Member State currency or between two Member State currencies.</p>
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<wrapUp>
<p>The obligation laid down in this paragraph shall also apply to payments within one payment service provider.</p>
</wrapUp>
</paragraph>
<paragraph eId="article-87-3">
<num>3</num>
<content>
<p>Member States shall ensure that the debit value date for the payer’s payment account is no earlier than the time at which the amount of the payment transaction is debited to that payment account.</p>
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