43.—(1) A payment service provider must provide or make available to the payment service user the information specified in paragraph (2) in relation to the service, whether by supplying a copy of the draft single payment service contract or supplying a copy of the draft payment order or otherwise, either—
(a)before the payment service user is bound by the single payment service contract; or
(b)immediately after the execution of the payment transaction, where the contract is concluded at the payment service user's request using a means of distance communication which does not enable provision of such information in accordance with sub-paragraph (a).
(2) The information referred to in paragraph (1) is—
(a)the information or unique identifier that has to be provided by the payment service user in order for a payment order to be properly initiated or executed;
(b)the maximum time in which the payment service will be executed;
(c)the charges payable by the payment service user to the user's payment service provider and, where applicable, a breakdown of such charges;
(d)where applicable, the actual or reference exchange rate to be applied to the payment transaction; and
(e)such of the information specified in Schedule 4 (prior general information for framework contracts) as is relevant to the single payment service contract in question.
(3) Where a payment order is to be initiated through a payment initiation service provider, the payment initiation service provider must also provide or make available to the payer, before the payment is initiated, clear and comprehensive information as follows—
(a)the name of the payment initiation service provider;
(b)the address of the head office of the payment initiation service provider;
(c)where applicable, the address of the head office of the agent or branch through which the payment initiation service provider provides services in the United Kingdom;
(d)other contact details relevant for communication with the payment initiation service provider, including an electronic mail address; and
(e)the contact details of the FCA.