Directive 2007/64/EC of the European Parliament and of the Council (repealed)Show full title

1. Introductory Text

2. TITLE I SUBJECT MATTER, SCOPE AND DEFINITIONS

   1. Article 1. Subject matter

   2. Article 2. Scope

   3. Article 3. Negative scope

   4. Article 4. Definitions

3. TITLE II PAYMENT SERVICE PROVIDERS

   1. CHAPTER 1 Payment institutions

      1. Section 1 General rules

         1. Article 5. Applications for authorisation

         2. Article 6. Initial capital

         3. Article 7. Own funds

         4. Article 8. Calculation of own funds

         5. Article 9. Safeguarding requirements

         6. Article 10. Granting of authorisation

         7. Article 11. Communication of the decision

         8. Article 12. Withdrawal of authorisation

         9. Article 13. Registration

         10. Article 14. Maintenance of authorisation

         11. Article 15. Accounting and statutory audit

         12. Article 16. Activities

      2. Section 2 Other requirements

         1. Article 17. Use of agents, branches or entities to which activities are outsourced

         2. Article 18. Liability

         3. Article 19. Record-keeping

      3. Section 3 Competent authorities and supervision

         1. Article 20. Designation of competent authorities

         2. Article 21. Supervision

         3. Article 22. Professional secrecy

         4. Article 23. Right to apply to the courts

         5. Article 24. Exchange of information

         6. Article 25. Exercise of the right of establishment and freedom to provide services

      4. Section 4 Waiver

         1. Article 26. Conditions

         2. Article 27. Notification and information

   2. CHAPTER 2 Common provisions

      1. Article 28. Access to payment systems

      2. Article 29. Prohibition for persons other than payment service providers to provide payment services

4. TITLE III TRANSPARENCY OF CONDITIONS AND INFORMATION REQUIREMENTS FOR PAYMENT SERVICES

   1. CHAPTER 1 General rules

      1. Article 30. Scope

      2. Article 31. Other provisions in Community legislation

      3. Article 32. Charges for information

      4. Article 33. Burden of proof on information requirements

      5. Article 34. Derogation from information requirements for low-value payment instruments and electronic money

   2. CHAPTER 2 Single payment transactions

      1. Article 35. Scope

      2. Article 36. Prior general information

      3. Article 37. Information and conditions

      4. Article 38. Information for the payer after receipt of the payment order

      5. Article 39. Information for the payee after execution

   3. CHAPTER 3 Framework contracts

      1. Article 40. Scope

      2. Article 41. Prior general information

      3. Article 42. Information and conditions

      4. Article 43. Accessibility of information and conditions of the framework contract

      5. Article 44. Changes in conditions of the framework contract

      6. Article 45. Termination

      7. Article 46. Information before execution of individual payment transactions

      8. Article 47. Information for the payer on individual payment transactions

      9. Article 48. Information for the payee on individual payment transactions

   4. CHAPTER 4 Common provisions

      1. Article 49. Currency and currency conversion

      2. Article 50. Information on additional charges or reductions

5. TITLE IV RIGHTS AND OBLIGATIONS IN RELATION TO THE PROVISION AND USE OF PAYMENT SERVICES

   1. CHAPTER 1 Common provisions

      1. Article 51. Scope

      2. Article 52. Charges applicable

      3. Article 53. Derogation for low value payment instruments and electronic money

   2. CHAPTER 2 Authorisation of payment transactions

      1. Article 54. Consent and withdrawal of consent

      2. Article 55. Limits of the use of the payment instrument

      3. Article 56. Obligations of the payment service user in relation to payment instruments

      4. Article 57. Obligations of the payment service provider in relation to payment instruments

      5. Article 58. Notification of unauthorised or incorrectly executed payment transactions

      6. Article 59. Evidence on authentication and execution of payment transactions

      7. Article 60. Payment service provider's liability for unauthorised payment transactions

      8. Article 61. Payer's liability for unauthorised payment transactions

      9. Article 62. Refunds for payment transactions initiated by or through a payee

      10. Article 63. Requests for refunds for payment transactions initiated by or through a payee

   3. CHAPTER 3 Execution of payment transactions

      1. Section 1 Payment orders and amounts transferred

         1. Article 64. Receipt of payment orders

         2. Article 65. Refusal of payment orders

         3. Article 66. Irrevocability of a payment order

         4. Article 67. Amounts transferred and amounts received

      2. Section 2 Execution time and value date

         1. Article 68. Scope

         2. Article 69. Payment transactions to a payment account

         3. Article 70. Absence of payee's payment account with the payment service provider

         4. Article 71. Cash placed on a payment account

         5. Article 72. National payment transactions

         6. Article 73. Value date and availability of funds

      3. Section 3 Liability

         1. Article 74. Incorrect unique identifiers

         2. Article 75. Non-execution or defective execution

         3. Article 76. Additional financial compensation

         4. Article 77. Right of recourse

         5. Article 78. No liability

   4. CHAPTER 4 Data protection

      1. Article 79. Data protection

   5. CHAPTER 5 Out-of-court complaint and redress procedures for the settlement of disputes

      1. Section 1 Complaint procedures

         1. Article 80. Complaints

         2. Article 81. Penalties

         3. Article 82. Competent authorities

      2. Section 2 Out-of-court redress procedures

         1. Article 83. Out-of-court redress

6. TITLE V IMPLEMENTING MEASURES AND PAYMENTS COMMITTEE

   1. Article 84. Implementing measures

   2. Article 85. Committee

7. TITLE VI FINAL PROVISIONS

   1. Article 86. Full harmonisation

   2. Article 87. Review

   3. Article 88. Transitional provision

   4. Article 89. Amendment of Directive 97/7/EC

   5. Article 90. Amendments of Directive 2002/65/EC

   6. Article 91. Amendments of Directive 2005/60/EC

   7. Article 92. Amendments of Directive 2006/48/EC

   8. Article 93. Repeal

   9. Article 94. Transposition

   10. Article 95. Entry into force

   11. Article 96. Addressees

8. 1. ANNEX

      PAYMENT SERVICES (DEFINITION 3 IN ARTICLE 4)

      1. 1. . . . . . . . . . ....

      2. 2. . . . . . . . . . ....

      3. 3. Execution of payment transactions, including transfers of funds on a...

      4. 4. Execution of payment transactions where the funds are covered by...

      5. 5. . . . . . . . . . ....

      6. 6. . . . . . . . . . ....

      7. 7. . . . . . . . . . ....