In force since 12/01/2016

Version from: 23/12/2015
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Payment Services Directive (PSD 2)

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)

Article 5 - Applications for authorisation Q&AGLArticle 6 - Control of the shareholding Q&AArticle 7 - Initial capital Article 8 - Own funds Article 9 - Calculation of own funds Q&AArticle 10 - Safeguarding requirements Q&AArticle 11 - Granting of authorisation Q&AGLArticle 12 - Communication of the decision Article 13 - Withdrawal of authorisation Q&AArticle 14 - Registration in the home Member State Q&AArticle 15 - EBA register ITS/RTSQ&AArticle 16 - Maintenance of authorisation Q&AArticle 17 - Accounting and statutory audit Article 18 - Activities Q&A
Article 22 - Designation of competent authorities Article 23 - Supervision Article 24 - Professional secrecy Q&AGLArticle 25 - Right to apply to the courts Article 26 - Exchange of information Article 27 - Settlement of disagreements between competent authorities of different Member States Article 28 - Application to exercise the right of establishment and freedom to provide services ITS/RTSQ&AArticle 29 - Supervision of payment institutions exercising the right of establishment and freedom to provide services ITS/RTSArticle 30 - Measures in case of non-compliance, including precautionary measures Article 31 - Reasons and communication
Article 43 - Scope Article 44 - Prior general information Q&AArticle 45 - Information and conditions Q&AArticle 46 - Information for the payer and payee after the initiation of a payment order Q&AArticle 47 - Information for payer’s account servicing payment service provider in the event of a payment initiation service Article 48 - Information for the payer after receipt of the payment order Article 49 - Information for the payee after execution
Article 50 - Scope Article 51 - Prior general information Article 52 - Information and conditions Q&AArticle 53 - Accessibility of information and conditions of the framework contract Article 54 - Changes in conditions of the framework contract Q&AArticle 55 - Termination Article 56 - Information before execution of individual payment transactions Article 57 - Information for the payer on individual payment transactions Article 58 - Information for the payee on individual payment transactions Q&A
Article 64 - Consent and withdrawal of consent Q&AArticle 65 - Confirmation on the availability of funds Q&AGLArticle 66 - Rules on access to payment account in the case of payment initiation services Q&AArticle 67 - Rules on access to and use of payment account information in the case of account information services Q&AArticle 68 - Limits of the use of the payment instrument and of the access to payment accounts by payment service providers Q&AArticle 69 - Obligations of the payment service user in relation to payment instruments and personalised security credentials Q&AArticle 70 - Obligations of the payment service provider in relation to payment instruments Q&AArticle 71 - Notification and rectification of unauthorised or incorrectly executed payment transactions Article 72 - Evidence on authentication and execution of payment transactions Q&AArticle 73 - Payment service provider’s liability for unauthorised payment transactions Q&AArticle 74 - Payer’s liability for unauthorised payment transactions Q&AGLArticle 75 - Payment transactions where the transaction amount is not known in advance Article 76 - Refunds for payment transactions initiated by or through a payee Article 77 - Requests for refunds for payment transactions initiated by or through a payee