PART 3 Authorised Payment Institutions
PART 4 Provisions Applicable to Authorised Payment Institutions and Small Payment Institutions
PART 5 Requirements for providers of certain services which are not payment services
PART 7 Rights and Obligations in Relation to the Provision of Payment Services
Authorisation of payment transactions
68.Confirmation of availability of funds for card-based payment transactions
69.Access to payment accounts for payment initiation services
70.Access to payment accounts for account information services
71.Limits on the use of payment instruments and access to payment accounts
72.Obligations of the payment service user in relation to payment instruments and personalised security credentials
73.Obligations of the payment service provider in relation to payment instruments
74.Notification and rectification of unauthorised or incorrectly executed payment transactions
75.Evidence on authentication and execution of payment transactions
76.Payment service provider's liability for unauthorised payment transactions
77.Payer or payee's liability for unauthorised payment transactions
78.Payment transactions where the transaction amount is not known in advance
79.Refunds for payment transactions initiated by or through a payee
80.Requests for refunds for payment transactions initiated by or through a payee
91.Non-execution or defective or late execution of payment transactions initiated by the payer
92.Non-execution or defective or late execution of payment transactions initiated by the payee
93.Non-execution or defective or late execution of payment transactions initiated through a payment initiation service
94.Liability of payment service provider for charges and interest
Information to be included in or with an application for authorisation
1.A programme of operations setting out, in particular, the type...
2.A business plan including a forecast budget calculation for the...
3.Evidence that the applicant holds initial capital for the purposes...
4.Where regulation 23 (safeguarding requirements) applies, a description of the...
5.A description of the applicant's governance arrangements and internal control...
6.A description of the applicant's procedure for monitoring, handling and...
7.A description of the applicant's process for filing, monitoring, tracking...
8.A description of the applicant's business continuity arrangements, including a...
9.A description of the principles and definitions used by the...
10.A statement of the applicant's security policy, including—
11.For an applicant subject to the obligations in relation to...
12.A description of the applicant's structural organisation, including, where applicable,...
13.In relation to each person holding, directly or indirectly, a...
15.The identity of the auditors of the applicant, if any....
Prior general information for framework contracts
1.The following information about the payment service provider—
3.The following information about charges, interest and exchange rates—
4.The following information about communication— (a) the means of communication...
5.The following information about safeguards and corrective measures—
6.The following information about changes to and termination of the...
7.The following information about redress— (a) any contractual clause on—...
PART 3 Amendments to other secondary legislation
6.Rehabilitation of Offenders Act 1974 (Exceptions) Order 1975
8.Financial Services and Markets Act 2000 (Regulated Activities) Order 2001
13.Postal Services Act 2011 (Disclosure of Information) Order 2012
14.Payments in Euro (Credit Transfers and Direct Debits) Regulations 2012
15.Payment to Treasury of Penalties (Enforcement Costs) Order 2013
16.Financial Services Act 2012 (Relevant Functions in relation to Complaints Scheme) Order 2014
17.Communications Act 2003 (Disclosure of Information) Order 2014
18.Financial Services and Markets Act 2000 (Excluded Activities and Prohibitions) Order 2014
19.Public Interest Disclosure (Prescribed Persons) Order 2014
21.Payment to Treasury of Penalties (Enforcement Costs of the Payment Systems Regulator) Order 2015
23.Small and Medium Sized Business (Credit Information) Regulations 2015
24.Small and Medium Sized Business (Finance Platforms) Regulations 2015
26.Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017