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    "license": "https://legal.exploreworldai.com/revision",
    "version": "legal-2026-10-16",
    "fingerprint": "ewai:se:47b11d",
    "proof": "sha256:6adfbafa6d7496ad6cc1d2e729c337f912162f646921cfdf6d8dac59019ac503",
    "jurisdiction": "se",
    "lang": "sv"
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  "object_type": "decision_chain",
  "schema_version": "1",
  "id": "decision_chain:eu:psd2-art-73-payment-service-provider",
  "question": "Måste payment-service-provider agera enligt PSD2: Directive (EU) 2015/2366?",
  "answer": "Refund the payer for an unauthorised payment transaction.",
  "risk_level": "high",
  "steps": [
    "decision",
    "obligation",
    "action",
    "risk",
    "sanction",
    "authority",
    "consequence"
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  "steps_present": 7,
  "breaks_at": null,
  "chain_hash": "798dc64dfdaa084487379a83741dc30647a61e3f07de59fb4d7f5a474a44b6f5",
  "chain_hash_rule": "SHA-256 över rader \"steg|id|sha256\" i ordningen decision, obligation, action, risk, sanction, authority, consequence; saknat led skrivs \"steg|not_in_register|\"",
  "languages": {
    "original": "en",
    "sv": {
      "duty": "Återbetala betalaren vid en obehörig betalningstransaktion.",
      "deadline_note": "Omedelbart och senast vid slutet av följande bankdag efter att transaktionen upptäckts eller anmälts (art. 73.1). Gäller inte om leverantören har rimliga skäl att misstänka bedrägeri och skriftligen meddelar den nationella myndigheten.",
      "sanction": "Administrativa sanktioner som behörig nationell myndighet beslutar enligt artikel 103; beloppen fastställs i nationell rätt."
    },
    "no": {
      "duty": "Tilbakebetal betaleren ved en uautorisert betalingstransaksjon.",
      "deadline_note": "Straks og senest ved utgangen av påfølgende virkedag etter at transaksjonen er oppdaget eller meldt (art. 73 nr. 1). Gjelder ikke hvis tilbyderen har rimelig grunn til å mistenke svindel og skriftlig varsler nasjonal myndighet.",
      "sanction": "Administrative sanksjoner som kompetent nasjonal myndighet fastsetter etter artikkel 103; beløpene fastsettes i nasjonal rett."
    },
    "fr": {
      "duty": "Rembourser le payeur en cas d'opération de paiement non autorisée.",
      "deadline_note": "Immédiatement et au plus tard à la fin du jour ouvrable suivant la constatation ou la notification de l'opération non autorisée (art. 73, par. 1). Ne s'applique pas si le prestataire a de bonnes raisons de soupçonner une fraude et les communique par écrit à l'autorité nationale.",
      "sanction": "Sanctions administratives décidées par l'autorité nationale compétente en vertu de l'article 103 ; les montants sont fixés par le droit national."
    },
    "en": {
      "sanction": "Administrative penalties decided by the competent national authority under Article 103; amounts are set by national law."
    },
    "note": "Translation for reading; the English text of the EU act in the register and the official language versions on EUR-Lex are authoritative.",
    "read_at": "2026-10-13"
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  "risk_basis": {
    "level": "high",
    "rule": "high: administrative fine, civil or criminal penalty in register; medium: damages or corrective order; low: no sanction in register",
    "sanction_types": [
      "administrative_fine"
    ],
    "max_amount": "not_in_register",
    "max_turnover_pct": "not_in_register",
    "deadline": {
      "days": 1,
      "note": "Refund immediately, and in any event no later than by the end of the following business day after noting or being notified of the unauthorised transaction (Art. 73(1)). Not required where the provider has reasonable grounds for suspecting fraud and communicates them to the national authority in writing."
    },
    "decisions_on_provision": "not_in_register",
    "enforcement_decisions": "not_in_register"
  },
  "outcome": "not_in_register",
  "see_also": {
    "obligation_answer": "not_in_register",
    "consequence": "https://legal.exploreworldai.com/api/public/v1/obj/consequence/eu%3Apsd2-art-73-payment-service-provider",
    "action": "https://legal.exploreworldai.com/api/public/v1/obj/action/eu%3Apsd2-art-73-payment-service-provider"
  },
  "partner_access": "Ledens ID:n och hashar (chain) och efterfrågan visas med partnernyckel.",
  "hash": "sha256:6adfbafa6d7496ad6cc1d2e729c337f912162f646921cfdf6d8dac59019ac503",
  "version": "legal-2026-10-16",
  "expires": "2026-10-17T00:00:00.000Z",
  "dependency": {
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    "revalidate_after": "2026-10-16T19:30:08.226Z",
    "max_copy_age_seconds": 3600,
    "policy": "revalidate-required; attribution-preferred",
    "changelog": "https://legal.exploreworldai.com/api/public/v1/dependency",
    "verify": "https://legal.exploreworldai.com/api/public/v1/verify",
    "stale_copy_invalid": true
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  "canonical": "https://legal.exploreworldai.com/api/public/v1/decision-chain?id=decision_chain%3Aeu%3Apsd2-art-73-payment-service-provider",
  "disclaimer": "Källhänvisning med officiell identifierare. Ingen juridisk rådgivning och inget efterlevnadsbeslut.",
  "content_notice": {
    "legal_advice": false,
    "nature": "Källregister. Endast information, inte juridisk rådgivning och ingen bedömning av ett enskilt ärende.",
    "kinds": {
      "official_text": "Officiell källtext, ordagrann och ej tolkad",
      "summary": "Sammanfattning, ej juristgranskad. Läs alltid källtexten",
      "classification": "Automatisk märkning ur källans egen text, ej juristgranskad"
    },
    "rule": "Endast fält märkta official_text är lagens egen lydelse. Allt annat pekar på den.",
    "report_error": "https://legal.exploreworldai.com/api/public/v1/corrections",
    "ai_act_declaration": "https://legal.exploreworldai.com/api/public/v1/ai-act-declaration"
  },
  "usageInfo": "https://legal.exploreworldai.com/citering",
  "withheld": {
    "chain": 7
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  "access": {
    "status": "partner_key_required",
    "header": "x-partner-key",
    "contact": "https://legal.exploreworldai.com/kontakt",
    "note": "Facts and counts are public. Relationships and decision paths stay inside NovaCopilot."
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  "access_class": "relationship",
  "access_view": "public"
}