{
  "attribution": {
    "source": "legal.exploreworldai.com",
    "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-70-25",
    "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-70-25)",
    "license": "https://legal.exploreworldai.com/revision",
    "version": "legal-2026-10-20",
    "fingerprint": "ewai:se:995f6e",
    "proof": "sha256:b23e7f96c957ffe9a13646549a53dc7f3ce0c4544b274d6e8384a8f96e31e8a5",
    "jurisdiction": "se",
    "lang": "en"
  },
  "brand_source": "Source: NovaCopilot",
  "object_type": "decision",
  "object_id": "decision:eu:c-70-25",
  "schema_version": "1",
  "schema": "https://legal.exploreworldai.com/api/public/v1/schemas/decision",
  "url": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-70-25",
  "judgment": {
    "id": "eu:c-70-25",
    "text": "https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:c-70-25"
  },
  "siblings": {
    "risk": "https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:c-70-25",
    "relation": "https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:c-70-25",
    "change": "https://legal.exploreworldai.com/api/public/v1/obj/change/eu:c-70-25",
    "agent": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-70-25",
    "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-70-25",
    "status": "https://legal.exploreworldai.com/api/public/v1/obj/status/eu:c-70-25",
    "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-70-25",
    "edge": "https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:c-70-25",
    "element": "https://legal.exploreworldai.com/api/public/v1/obj/element/eu:c-70-25",
    "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-70-25",
    "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-70-25",
    "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-70-25"
  },
  "source": "NovaCopilot",
  "precedent_graph": "https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:c-70-25",
  "item": {
    "judgment": "eu:c-70-25",
    "issue": "Reference for a preliminary ruling – Payment services in the internal market – Directive (EU) 2015/2366 – Unauthorised payment transactions – Article 73 – Payment service provider’s liability – Article 74 – Payer’s liability – Obligation of the payment service provider to refund immediately – Scope – Allocation of liability between the payment service provider and the payer – Article 69 – Obligations of the payment service user – Gross negligence – Refusal by the payment service provider to refund immediately to the payer the amount of an unauthorised transaction on the ground that that payer made that transaction possible through gross negligence.",
    "decisions": [
      {
        "decision_id": "decision:eu:c-70-25#1",
        "precedent_id": "precedent:eu:c-70-25#1",
        "paragraph_id": "para_112",
        "outcome": "interpretation",
        "then": "Article 73(1) and Article 74(1) of 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 must be interpreted as meaning that a payment service provider cannot refuse to refund immediately to a payer the amount of an unauthorised payment transaction on the ground that that payer made that transaction possible through gross negligence, in breach of his or her obligations under Article 69 of",
        "conditions": [],
        "exceptions": [],
        "elements": [],
        "open": [
          "Inga uttryckliga villkor i rättsregeln; regeln gäller i den situation domen avser.",
          "Inga rekvisit ur lexikonet kunde knytas till regeln."
        ]
      }
    ],
    "text_sha256": "5908d6225046ba1d0def70c4f6bb9b4115624f90b3bffa825dbb6634ad4fd9af",
    "method": "Rättsregeln delas i utfall, villkor (where, if, when, provided that) och undantag (unless, except where) med fasta regler.",
    "graph": {
      "graph_version": "1",
      "path": "topic → obligation → decision → sanction → compliance",
      "relations": [],
      "open": [
        {
          "decision_id": "decision:eu:c-70-25#1",
          "missing": [
            "obligation",
            "sanction",
            "compliance"
          ],
          "reason": "Ingen säker registerkoppling via gemensamt rekvisit eller domens rättsakts-ID."
        },
        {
          "decision_id": "all",
          "missing": [
            "topic"
          ],
          "reason": "Ingen kuraterad ämneskoppling för beslutets regelverk."
        }
      ],
      "method": "Deterministisk koppling via permanenta rekvisit-ID:n, registrets rättsakts-ID:n och en kuraterad rättsakt-till-ämne-tabell. Inga relationer skapas med fritextgissning."
    },
    "limits": [],
    "hash": "dee83d495ef66858dc4a4806ef66ca9f8a734f4620a39c983a99fd1197040db6"
  },
  "links": {
    "provisions": null,
    "case_law": {
      "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-70-25",
      "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-70-25",
      "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-70-25",
      "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-70-25"
    },
    "evidence": {
      "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-70-25",
      "chain_verify": "https://legal.exploreworldai.com/api/public/v1/changes/verify",
      "object_changes": "https://legal.exploreworldai.com/api/public/v1/objects/changes"
    },
    "compact": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-70-25?view=compact",
    "representations": {
      "sv": "https://legal.exploreworldai.com/eu/praxis/c-70-25",
      "en": "https://legal.exploreworldai.com/en/eu/praxis/c-70-25"
    },
    "machine_languages": [
      "en",
      "sv"
    ],
    "ref": "eu:c-70-25"
  },
  "watch": {
    "changes": "https://legal.exploreworldai.com/api/public/v1/changes",
    "whats_new": "https://legal.exploreworldai.com/api/public/v1/whats-new?jurisdiction=eu",
    "conditional": "Send If-None-Match with the ETag; unchanged objects return 304 without body.",
    "recheck_after_seconds": 86400
  },
  "hash": "sha256:b23e7f96c957ffe9a13646549a53dc7f3ce0c4544b274d6e8384a8f96e31e8a5",
  "version": "legal-2026-10-20",
  "expires": "2026-10-21T00:00:00.000Z",
  "dependency": {
    "index_version": "legal-2026-10-20+legal-2026-10-20+2026-10-20T18:59:35",
    "content_hash": "sha256:b23e7f96c957ffe9a13646549a53dc7f3ce0c4544b274d6e8384a8f96e31e8a5",
    "revalidate_after": "2026-10-20T20:07:37.328Z",
    "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
  },
  "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-70-25",
  "disclaimer": "Source reference with official identifier. Not legal advice and not a compliance decision.",
  "content_notice": {
    "legal_advice": false,
    "nature": "Source register. Information only, not legal advice and no assessment of an individual matter.",
    "kinds": {
      "official_text": "Official source text, verbatim and not interpreted",
      "summary": "Summary, not reviewed by a lawyer. Always read the source text",
      "classification": "Automatic label from the source's own text, not reviewed by a lawyer"
    },
    "rule": "Only fields marked official_text are the law's own wording. Everything else points to it.",
    "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"
}