{
  "url": "https://openlegislation.uk/eu-directive-2015-2366",
  "json_url": "https://openlegislation.uk/eu-directive-2015-2366.json",
  "id": "eudr/2015/2366",
  "title": "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)",
  "short_title": "Directive (EU) 2015/2366 on payment services in the internal market",
  "long_title": "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)",
  "citation": "EU Directive 2015/2366",
  "type": "eudr",
  "year": "2015",
  "number": "2366",
  "version": "current",
  "date": "2015-11-25",
  "revised": false,
  "valid_from": null,
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "title/I",
      "kind": "title",
      "number": "I",
      "heading": "SUBJECT MATTER, SCOPE AND DEFINITIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/1",
      "kind": "article",
      "number": "1",
      "heading": "Subject matter",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/I"
    },
    {
      "path": "article/2",
      "kind": "article",
      "number": "2",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/I"
    },
    {
      "path": "article/3",
      "kind": "article",
      "number": "3",
      "heading": "Exclusions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/I"
    },
    {
      "path": "article/4",
      "kind": "article",
      "number": "4",
      "heading": "Definitions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/I"
    },
    {
      "path": "title/II",
      "kind": "title",
      "number": "II",
      "heading": "PAYMENT SERVICE PROVIDERS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "title/II/chapter/1",
      "kind": "chapter",
      "number": "1",
      "heading": "Payment institutions",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II"
    },
    {
      "path": "title/II/chapter/1/section/1",
      "kind": "section",
      "number": "1",
      "heading": "General rules",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1"
    },
    {
      "path": "article/5",
      "kind": "article",
      "number": "5",
      "heading": "Applications for authorisation",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/6",
      "kind": "article",
      "number": "6",
      "heading": "Control of the shareholding",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/7",
      "kind": "article",
      "number": "7",
      "heading": "Initial capital",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/8",
      "kind": "article",
      "number": "8",
      "heading": "Own funds",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/9",
      "kind": "article",
      "number": "9",
      "heading": "Calculation of own funds",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/10",
      "kind": "article",
      "number": "10",
      "heading": "Safeguarding requirements",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/11",
      "kind": "article",
      "number": "11",
      "heading": "Granting of authorisation",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/12",
      "kind": "article",
      "number": "12",
      "heading": "Communication of the decision",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/13",
      "kind": "article",
      "number": "13",
      "heading": "Withdrawal of authorisation",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/14",
      "kind": "article",
      "number": "14",
      "heading": "Registration in the home Member State",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-14",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/15",
      "kind": "article",
      "number": "15",
      "heading": "EBA register",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/16",
      "kind": "article",
      "number": "16",
      "heading": "Maintenance of authorisation",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-16",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/17",
      "kind": "article",
      "number": "17",
      "heading": "Accounting and statutory audit",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-17",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "article/18",
      "kind": "article",
      "number": "18",
      "heading": "Activities",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/1"
    },
    {
      "path": "title/II/chapter/1/section/2",
      "kind": "section",
      "number": "2",
      "heading": "Other requirements",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1"
    },
    {
      "path": "article/19",
      "kind": "article",
      "number": "19",
      "heading": "Use of agents, branches or entities to which activities are outsourced",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-19",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/2"
    },
    {
      "path": "article/20",
      "kind": "article",
      "number": "20",
      "heading": "Liability",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-20",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/2"
    },
    {
      "path": "article/21",
      "kind": "article",
      "number": "21",
      "heading": "Record-keeping",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-21",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/2"
    },
    {
      "path": "title/II/chapter/1/section/3",
      "kind": "section",
      "number": "3",
      "heading": "Competent authorities and supervision",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1"
    },
    {
      "path": "article/22",
      "kind": "article",
      "number": "22",
      "heading": "Designation of competent authorities",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-22",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/23",
      "kind": "article",
      "number": "23",
      "heading": "Supervision",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-23",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/24",
      "kind": "article",
      "number": "24",
      "heading": "Professional secrecy",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-24",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/25",
      "kind": "article",
      "number": "25",
      "heading": "Right to apply to the courts",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-25",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/26",
      "kind": "article",
      "number": "26",
      "heading": "Exchange of information",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-26",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/27",
      "kind": "article",
      "number": "27",
      "heading": "Settlement of disagreements between competent authorities of different Member States",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-27",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/28",
      "kind": "article",
      "number": "28",
      "heading": "Application to exercise the right of establishment and freedom to provide services",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-28",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/29",
      "kind": "article",
      "number": "29",
      "heading": "Supervision of payment institutions exercising the right of establishment and freedom to provide services",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-29",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/30",
      "kind": "article",
      "number": "30",
      "heading": "Measures in case of non-compliance, including precautionary measures",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-30",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "article/31",
      "kind": "article",
      "number": "31",
      "heading": "Reasons and communication",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-31",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/3"
    },
    {
      "path": "title/II/chapter/1/section/4",
      "kind": "section",
      "number": "4",
      "heading": "Exemption",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1"
    },
    {
      "path": "article/32",
      "kind": "article",
      "number": "32",
      "heading": "Conditions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-32",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/4"
    },
    {
      "path": "article/33",
      "kind": "article",
      "number": "33",
      "heading": "Account information service providers",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-33",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/4"
    },
    {
      "path": "article/34",
      "kind": "article",
      "number": "34",
      "heading": "Notification and information",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-34",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/1/section/4"
    },
    {
      "path": "title/II/chapter/2",
      "kind": "chapter",
      "number": "2",
      "heading": "Common provisions",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II"
    },
    {
      "path": "article/35",
      "kind": "article",
      "number": "35",
      "heading": "Access to payment systems",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-35",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/2"
    },
    {
      "path": "article/36",
      "kind": "article",
      "number": "36",
      "heading": "Access to accounts maintained with a credit institution",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-36",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/2"
    },
    {
      "path": "article/37",
      "kind": "article",
      "number": "37",
      "heading": "Prohibition of persons other than payment service providers from providing payment services and duty of notification",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-37",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/II/chapter/2"
    },
    {
      "path": "title/III",
      "kind": "title",
      "number": "III",
      "heading": "TRANSPARENCY OF CONDITIONS AND INFORMATION REQUIREMENTS FOR PAYMENT SERVICES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "title/III/chapter/1",
      "kind": "chapter",
      "number": "1",
      "heading": "General rules",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III"
    },
    {
      "path": "article/38",
      "kind": "article",
      "number": "38",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-38",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/1"
    },
    {
      "path": "article/39",
      "kind": "article",
      "number": "39",
      "heading": "Other provisions in Union law",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-39",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/1"
    },
    {
      "path": "article/40",
      "kind": "article",
      "number": "40",
      "heading": "Charges for information",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-40",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/1"
    },
    {
      "path": "article/41",
      "kind": "article",
      "number": "41",
      "heading": "Burden of proof on information requirements",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-41",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/1"
    },
    {
      "path": "article/42",
      "kind": "article",
      "number": "42",
      "heading": "Derogation from information requirements for low-value payment instruments and electronic money",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-42",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/1"
    },
    {
      "path": "title/III/chapter/2",
      "kind": "chapter",
      "number": "2",
      "heading": "Single payment transactions",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III"
    },
    {
      "path": "article/43",
      "kind": "article",
      "number": "43",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-43",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/2"
    },
    {
      "path": "article/44",
      "kind": "article",
      "number": "44",
      "heading": "Prior general information",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-44",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/2"
    },
    {
      "path": "article/45",
      "kind": "article",
      "number": "45",
      "heading": "Information and conditions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-45",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/2"
    },
    {
      "path": "article/46",
      "kind": "article",
      "number": "46",
      "heading": "Information for the payer and payee after the initiation of a payment order",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-46",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/2"
    },
    {
      "path": "article/47",
      "kind": "article",
      "number": "47",
      "heading": "Information for payer’s account servicing payment service provider in the event of a payment initiation service",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-47",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/2"
    },
    {
      "path": "article/48",
      "kind": "article",
      "number": "48",
      "heading": "Information for the payer after receipt of the payment order",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-48",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/2"
    },
    {
      "path": "article/49",
      "kind": "article",
      "number": "49",
      "heading": "Information for the payee after execution",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-49",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/2"
    },
    {
      "path": "title/III/chapter/3",
      "kind": "chapter",
      "number": "3",
      "heading": "Framework contracts",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III"
    },
    {
      "path": "article/50",
      "kind": "article",
      "number": "50",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-50",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "article/51",
      "kind": "article",
      "number": "51",
      "heading": "Prior general information",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-51",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "article/52",
      "kind": "article",
      "number": "52",
      "heading": "Information and conditions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-52",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "article/53",
      "kind": "article",
      "number": "53",
      "heading": "Accessibility of information and conditions of the framework contract",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-53",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "article/54",
      "kind": "article",
      "number": "54",
      "heading": "Changes in conditions of the framework contract",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-54",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "article/55",
      "kind": "article",
      "number": "55",
      "heading": "Termination",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-55",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "article/56",
      "kind": "article",
      "number": "56",
      "heading": "Information before execution of individual payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-56",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "article/57",
      "kind": "article",
      "number": "57",
      "heading": "Information for the payer on individual payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-57",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "article/58",
      "kind": "article",
      "number": "58",
      "heading": "Information for the payee on individual payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-58",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/3"
    },
    {
      "path": "title/III/chapter/4",
      "kind": "chapter",
      "number": "4",
      "heading": "Common provisions",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III"
    },
    {
      "path": "article/59",
      "kind": "article",
      "number": "59",
      "heading": "Currency and currency conversion",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-59",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/4"
    },
    {
      "path": "article/60",
      "kind": "article",
      "number": "60",
      "heading": "Information on additional charges or reductions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-60",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/III/chapter/4"
    },
    {
      "path": "title/IV",
      "kind": "title",
      "number": "IV",
      "heading": "RIGHTS AND OBLIGATIONS IN RELATION TO THE PROVISION AND USE OF PAYMENT SERVICES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "title/IV/chapter/1",
      "kind": "chapter",
      "number": "1",
      "heading": "Common provisions",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV"
    },
    {
      "path": "article/61",
      "kind": "article",
      "number": "61",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-61",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/1"
    },
    {
      "path": "article/62",
      "kind": "article",
      "number": "62",
      "heading": "Charges applicable",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-62",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/1"
    },
    {
      "path": "article/63",
      "kind": "article",
      "number": "63",
      "heading": "Derogation for low value payment instruments and electronic money",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-63",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/1"
    },
    {
      "path": "title/IV/chapter/2",
      "kind": "chapter",
      "number": "2",
      "heading": "Authorisation of payment transactions",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV"
    },
    {
      "path": "article/64",
      "kind": "article",
      "number": "64",
      "heading": "Consent and withdrawal of consent",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-64",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/65",
      "kind": "article",
      "number": "65",
      "heading": "Confirmation on the availability of funds",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-65",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/66",
      "kind": "article",
      "number": "66",
      "heading": "Rules on access to payment account in the case of payment initiation services",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-66",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/67",
      "kind": "article",
      "number": "67",
      "heading": "Rules on access to and use of payment account information in the case of account information services",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-67",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/68",
      "kind": "article",
      "number": "68",
      "heading": "Limits of the use of the payment instrument and of the access to payment accounts by payment service providers",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-68",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/69",
      "kind": "article",
      "number": "69",
      "heading": "Obligations of the payment service user in relation to payment instruments and personalised security credentials",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-69",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/70",
      "kind": "article",
      "number": "70",
      "heading": "Obligations of the payment service provider in relation to payment instruments",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-70",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/71",
      "kind": "article",
      "number": "71",
      "heading": "Notification and rectification of unauthorised or incorrectly executed payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-71",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/72",
      "kind": "article",
      "number": "72",
      "heading": "Evidence on authentication and execution of payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-72",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/73",
      "kind": "article",
      "number": "73",
      "heading": "Payment service provider’s liability for unauthorised payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-73",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/74",
      "kind": "article",
      "number": "74",
      "heading": "Payer’s liability for unauthorised payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-74",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/75",
      "kind": "article",
      "number": "75",
      "heading": "Payment transactions where the transaction amount is not known in advance",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-75",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/76",
      "kind": "article",
      "number": "76",
      "heading": "Refunds for payment transactions initiated by or through a payee",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-76",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "article/77",
      "kind": "article",
      "number": "77",
      "heading": "Requests for refunds for payment transactions initiated by or through a payee",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-77",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/2"
    },
    {
      "path": "title/IV/chapter/3",
      "kind": "chapter",
      "number": "3",
      "heading": "Execution of payment transactions",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV"
    },
    {
      "path": "title/IV/chapter/3/section/1",
      "kind": "section",
      "number": "1",
      "heading": "Payment orders and amounts transferred",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3"
    },
    {
      "path": "article/78",
      "kind": "article",
      "number": "78",
      "heading": "Receipt of payment orders",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-78",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/1"
    },
    {
      "path": "article/79",
      "kind": "article",
      "number": "79",
      "heading": "Refusal of payment orders",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-79",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/1"
    },
    {
      "path": "article/80",
      "kind": "article",
      "number": "80",
      "heading": "Irrevocability of a payment order",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-80",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/1"
    },
    {
      "path": "article/81",
      "kind": "article",
      "number": "81",
      "heading": "Amounts transferred and amounts received",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-81",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/1"
    },
    {
      "path": "title/IV/chapter/3/section/2",
      "kind": "section",
      "number": "2",
      "heading": "Execution time and value date",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3"
    },
    {
      "path": "article/82",
      "kind": "article",
      "number": "82",
      "heading": "Scope",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-82",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/2"
    },
    {
      "path": "article/83",
      "kind": "article",
      "number": "83",
      "heading": "Payment transactions to a payment account",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-83",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/2"
    },
    {
      "path": "article/84",
      "kind": "article",
      "number": "84",
      "heading": "Absence of payee’s payment account with the payment service provider",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-84",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/2"
    },
    {
      "path": "article/85",
      "kind": "article",
      "number": "85",
      "heading": "Cash placed on a payment account",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-85",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/2"
    },
    {
      "path": "article/86",
      "kind": "article",
      "number": "86",
      "heading": "National payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-86",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/2"
    },
    {
      "path": "article/87",
      "kind": "article",
      "number": "87",
      "heading": "Value date and availability of funds",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-87",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/2"
    },
    {
      "path": "title/IV/chapter/3/section/3",
      "kind": "section",
      "number": "3",
      "heading": "Liability",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3"
    },
    {
      "path": "article/88",
      "kind": "article",
      "number": "88",
      "heading": "Incorrect unique identifiers",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-88",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/3"
    },
    {
      "path": "article/89",
      "kind": "article",
      "number": "89",
      "heading": "Payment service providers’ liability for non-execution, defective or late execution of payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-89",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/3"
    },
    {
      "path": "article/90",
      "kind": "article",
      "number": "90",
      "heading": "Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-90",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/3"
    },
    {
      "path": "article/91",
      "kind": "article",
      "number": "91",
      "heading": "Additional financial compensation",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-91",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/3"
    },
    {
      "path": "article/92",
      "kind": "article",
      "number": "92",
      "heading": "Right of recourse",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-92",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/3"
    },
    {
      "path": "article/93",
      "kind": "article",
      "number": "93",
      "heading": "Abnormal and unforeseeable circumstances",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-93",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/3/section/3"
    },
    {
      "path": "title/IV/chapter/4",
      "kind": "chapter",
      "number": "4",
      "heading": "Data protection",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV"
    },
    {
      "path": "article/94",
      "kind": "article",
      "number": "94",
      "heading": "Data protection",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-94",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/4"
    },
    {
      "path": "title/IV/chapter/5",
      "kind": "chapter",
      "number": "5",
      "heading": "Operational and security risks and authentication",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV"
    },
    {
      "path": "article/95",
      "kind": "article",
      "number": "95",
      "heading": "Management of operational and security risks",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-95",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/5"
    },
    {
      "path": "article/96",
      "kind": "article",
      "number": "96",
      "heading": "Incident reporting",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-96",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/5"
    },
    {
      "path": "article/97",
      "kind": "article",
      "number": "97",
      "heading": "Authentication",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-97",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/5"
    },
    {
      "path": "article/98",
      "kind": "article",
      "number": "98",
      "heading": "Regulatory technical standards on authentication and communication",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-98",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/5"
    },
    {
      "path": "title/IV/chapter/6",
      "kind": "chapter",
      "number": "6",
      "heading": "ADR procedures for the settlement of disputes",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV"
    },
    {
      "path": "title/IV/chapter/6/section/1",
      "kind": "section",
      "number": "1",
      "heading": "Complaint procedures",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/6"
    },
    {
      "path": "article/99",
      "kind": "article",
      "number": "99",
      "heading": "Complaints",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-99",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/6/section/1"
    },
    {
      "path": "article/100",
      "kind": "article",
      "number": "100",
      "heading": "Competent authorities",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-100",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/6/section/1"
    },
    {
      "path": "title/IV/chapter/6/section/2",
      "kind": "section",
      "number": "2",
      "heading": "ADR procedures and penalties",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/6"
    },
    {
      "path": "article/101",
      "kind": "article",
      "number": "101",
      "heading": "Dispute resolution",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-101",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/6/section/2"
    },
    {
      "path": "article/102",
      "kind": "article",
      "number": "102",
      "heading": "ADR procedures",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-102",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/6/section/2"
    },
    {
      "path": "article/103",
      "kind": "article",
      "number": "103",
      "heading": "Penalties",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-103",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/IV/chapter/6/section/2"
    },
    {
      "path": "title/V",
      "kind": "title",
      "number": "V",
      "heading": "DELEGATED ACTS AND REGULATORY TECHNICAL STANDARDS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/104",
      "kind": "article",
      "number": "104",
      "heading": "Delegated acts",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-104",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/V"
    },
    {
      "path": "article/105",
      "kind": "article",
      "number": "105",
      "heading": "Exercise of the delegation",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-105",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/V"
    },
    {
      "path": "article/106",
      "kind": "article",
      "number": "106",
      "heading": "Obligation to inform consumers of their rights",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-106",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/V"
    },
    {
      "path": "title/VI",
      "kind": "title",
      "number": "VI",
      "heading": "FINAL PROVISIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/107",
      "kind": "article",
      "number": "107",
      "heading": "Full harmonisation",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-107",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/108",
      "kind": "article",
      "number": "108",
      "heading": "Review clause",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-108",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/109",
      "kind": "article",
      "number": "109",
      "heading": "Transitional provision",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-109",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/110",
      "kind": "article",
      "number": "110",
      "heading": "Amendments to Directive 2002/65/EC",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-110",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/111",
      "kind": "article",
      "number": "111",
      "heading": "Amendments to Directive 2009/110/EC",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-111",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/112",
      "kind": "article",
      "number": "112",
      "heading": "Amendments to Regulation (EU) No 1093/2010",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-112",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/113",
      "kind": "article",
      "number": "113",
      "heading": "Amendment to Directive 2013/36/EU",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-113",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/114",
      "kind": "article",
      "number": "114",
      "heading": "Repeal",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-114",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/115",
      "kind": "article",
      "number": "115",
      "heading": "Transposition",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-115",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/116",
      "kind": "article",
      "number": "116",
      "heading": "Entry into force",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-116",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "article/117",
      "kind": "article",
      "number": "117",
      "heading": "Addresses",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/article-117",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "title/VI"
    },
    {
      "path": "annex/I",
      "kind": "annex",
      "number": "I",
      "heading": "PAYMENT SERVICES",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "annex/I/division/1",
      "kind": "division",
      "number": "1",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-I/division-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/2",
      "kind": "division",
      "number": "2",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-I/division-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/3",
      "kind": "division",
      "number": "3",
      "heading": "Execution of payment transactions, including transfers of funds on a payment account with the user’s payment service provider or with another payment service provider:",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-I/division-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/4",
      "kind": "division",
      "number": "4",
      "heading": "Execution of payment transactions where the funds are covered by a credit line for a payment service user:",
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-I/division-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/5",
      "kind": "division",
      "number": "5",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-I/division-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/6",
      "kind": "division",
      "number": "6",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-I/division-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/7",
      "kind": "division",
      "number": "7",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-I/division-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/I/division/8",
      "kind": "division",
      "number": "8",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-I/division-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex/I"
    },
    {
      "path": "annex/II",
      "kind": "annex",
      "number": "II",
      "heading": null,
      "url": "https://openlegislation.uk/eu-directive-2015-2366/annex-II",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    }
  ],
  "outstanding_effects": [],
  "made_under": [],
  "changes_made_to": 0,
  "changes_made_to_url": "https://openlegislation.uk/eu-directive-2015-2366/changes.json",
  "changes_made_by": 9,
  "changes_made_by_url": "https://openlegislation.uk/eu-directive-2015-2366/changes/by-it.json",
  "instruments_made_under": 0,
  "instruments_made_under_url": "https://openlegislation.uk/eu-directive-2015-2366/instruments.json",
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/2015/2366",
    "retrieved_at": "2026-11-01T15:21:36.376717+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}