Member States shall ensure that the following information and conditions are provided to the payment service user:
1. on the payment service provider:
(a) the name of the payment
service provider, the geographical address of its head office and, where
applicable, the geographical address of its agent or branch established
in the Member State where the payment service is offered, and any other
address, including electronic mail address, relevant for communication
with the payment service provider;
(b) the particulars of the
relevant supervisory authorities and of the register provided for in
Article 14 or of any other relevant public register of authorisation of
the payment service provider and the registration number or equivalent
means of identification in that register;
2. on use of the payment service:
(a) a description of the main characteristics of the payment service to be provided;
(b) a specification of 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;
(c) the form of and procedure
for giving consent to initiate a payment order or execute a payment
transaction and withdrawal of such consent in accordance with Articles
64 and 80;
(d) a reference to the time of
receipt of a payment order in accordance with Article 78 and the cut-off
time, if any, established by the payment service provider;
(e) the maximum execution time for the payment services to be provided;
(f) whether there is a
possibility to agree on spending limits for the use of the payment
instrument in accordance with Article 68(1);
(g) in the case of co-badged,
card-based payment instruments, the payment service user’s rights under
Article 8 of Regulation (EU) 2015/751;
3. on charges, interest and exchange rates:
(a) all charges payable by the
payment service user to the payment service provider including those
connected to the manner in and frequency with which information under
this Directive is provided or made available and, where applicable, the
breakdown of the amounts of such charges;
(b) where applicable, the
interest and exchange rates to be applied or, if reference interest and
exchange rates are to be used, the method of calculating the actual
interest, and the relevant date and index or base for determining such
reference interest or exchange rate;
(c) if agreed, the immediate
application of changes in reference interest or exchange rate and
information requirements relating to the changes in accordance with
Article 54(2);
4. on communication:
(a) where applicable, the means
of communication, including the technical requirements for the payment
service user’s equipment and software, agreed between the parties for
the transmission of information or notifications under this Directive;
(b) the manner in, and frequency with which, information under this Directive is to be provided or made available;
(c) the language or languages
in which the framework contract will be concluded and communication
during this contractual relationship undertaken;
(d) the payment service user’s
right to receive the contractual terms of the framework contract and
information and conditions in accordance with Article 53;
5. on safeguards and corrective measures:
(a) where applicable, a
description of the steps that the payment service user is to take in
order to keep safe a payment instrument and how to notify the payment
service provider for the purposes of point (b) of Article 69(1);
(b) the secure procedure for
notification of the payment service user by the payment service provider
in the event of suspected or actual fraud or security threats;
(c) if agreed, the conditions
under which the payment service provider reserves the right to block a
payment instrument in accordance with Article 68;
(d) the liability of the payer in accordance with Article 74, including information on the relevant amount;
(e) how and within what period
of time the payment service user is to notify the payment service
provider of any unauthorised or incorrectly initiated or executed
payment transaction in accordance with Article 71 as well as the payment
service provider’s liability for unauthorised payment transactions in
accordance with Article 73;
(f) the liability of the
payment service provider for the initiation or execution of payment
transactions in accordance with Article 89;
(g) the conditions for refund in accordance with Articles 76 and 77;
6. on changes to, and termination of, the framework contract:
(a) if agreed, information that
the payment service user will be deemed to have accepted changes in the
conditions in accordance with Article 54, unless the payment service
user notifies the payment service provider before the date of their
proposed date of entry into force that they are not accepted;
(b) the duration of the framework contract;
(c) the right of the payment
service user to terminate the framework contract and any agreements
relating to termination in accordance with Article 54(1) and Article 55;
7. on redress:
(a) any contractual clause on the law applicable to the framework contract and/or the competent courts;
(b) the ADR procedures available to the payment service user in accordance with Articles 99 to 102.
