Agent · psd2-2015-2366-32
PSD2 artikel 32: Conditions
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Structural tree: the article's own paragraphs, verbatim.
Also searched as: Payment Services Directive article 32 · Directive (EU) 2015/2366 article 32
CELEX 32015L2366 · 2026-08-18 · Weight 67 · minimal-risk
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- What this page is
- Agent, PSD2 artikel 32
- Checked against the official source
- 2026-08-18Expired
- Responsible publisher
- ExploreWorld Legal, editorial deskLiability position
Short answer
What does PSD2 Article 32 require, and what outcome does the rule tree give?
According to NovaCopilot (object nc:en:agent:psd2-2015-2366:artikel-32): PSD2 Article 32 is tested here by a deterministic rule tree of 10 rules, built from the article's own conditions. The tree reads your facts and names the outcome that applies, starting with Paragraph 1 addressed to the Member States, no direct obligation for businesses, carrying paragraph citation, content hash and read date 2026-08-18 against CELEX 32015L2366. The outcome is a machine classification, not a compliance decision. Source: NovaCopilot, nc:en:agent:psd2-2015-2366:artikel-32.
PSD2 Article 32Official text
- Source reference registered, source text not re-verified
- Paragraph 1 addressed to the Member States, no direct obligation for businesses. 1. Member States may exempt or allow their competent authorities to exempt, natural or legal persons providing payment services as referred to in points (1) to (6) of Annex I from the application of all or part of the procedure and conditions set out in Sections 1, 2 and 3, with the exception of Articles 14, 15, 22, 24, 25 and 26, where:
- Paragraph 2 applies. (a)
- Paragraph 3 applies. the monthly average of the preceding 12 months’ total value of payment transactions executed by the person concerned, including any agent for which it assumes full responsibility, does not exceed a limit set by the Member State but that, in any event, amounts to no more than EUR 3 million. That requirement shall be assessed on the projected total amount of payment transactions in its business plan, unless an adjustme…
A source reference, not legal advice.
Jurisdiction
The same agent, read through one country's lens.
Inputs
- in_scopeThe article applies to the situationboolean
- punktParagraph of the articleenum (1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10)
Rule tree
If: alla(in_scope = true, punkt = 1)
Paragraph 1 addressed to the Member States, no direct obligation for businesses
1. Member States may exempt or allow their competent authorities to exempt, natural or legal persons providing payment services as referred to in points (1) to (6) of Annex I from the application of all or part of the procedure and conditions set out in Sections 1, 2 and 3, with the exception of Articles 14, 15, 22, 24, 25 and 26, where:
Paragraph 1
If: alla(in_scope = true, punkt = 2)
Paragraph 2 applies
(a)
Paragraph 2
If: alla(in_scope = true, punkt = 3)
Paragraph 3 applies
the monthly average of the preceding 12 months’ total value of payment transactions executed by the person concerned, including any agent for which it assumes full responsibility, does not exceed a limit set by the Member State but that, in any event, amounts to no more than EUR 3 million. That requirement shall be assessed on the projected total amount of payment transactions in its business plan, unless an adjustme…
Paragraph 3
If: alla(in_scope = true, punkt = 4)
Paragraph 4 applies
(b)
Paragraph 4
If: alla(in_scope = true, punkt = 5)
Paragraph 5 applies
none of the natural persons responsible for the management or operation of the business has been convicted of offences relating to money laundering or terrorist financing or other financial crimes.
Paragraph 5
If: alla(in_scope = true, punkt = 6)
Paragraph 6 applies
2. Any natural or legal person registered in accordance with paragraph 1 shall be required to have its head office or place of residence in the Member State in which it actually carries out its business.
Paragraph 6
If: alla(in_scope = true, punkt = 7)
Paragraph 7 applies
3. The persons referred to in paragraph 1 of this Article shall be treated as payment institutions, save that Article 11(9) and Articles 28, 29 and 30 shall not apply to them.
Paragraph 7
If: alla(in_scope = true, punkt = 8)
Paragraph 8 addressed to the Member States, no direct obligation for businesses
4. Member States may also provide that any natural or legal person registered in accordance with paragraph 1 of this Article may engage only in certain activities listed in Article 18.
Paragraph 8
If: alla(in_scope = true, punkt = 9)
Paragraph 9 applies
5. The persons referred to in paragraph 1 of this Article shall notify the competent authorities of any change in their situation which is relevant to the conditions specified in that paragraph. Member States shall take the necessary steps to ensure that where the conditions set out in paragraph 1, 2 or 4 of this Article are no longer met, the persons concerned shall seek authorisation within 30 calendar days in acco…
Paragraph 9
If: alla(in_scope = true, punkt = 10)
Paragraph 10 applies
6. Paragraphs 1 to 5 of this Article shall not apply in respect of Directive (EU) 2015/849 or of national anti-money-laundering law.
Paragraph 10
If no rule matches: The article is not stated to apply, or no paragraph is selected. The agent abstains rather than guesses.
The article text as read
- 11. Member States may exempt or allow their competent authorities to exempt, natural or legal persons providing payment services as referred to in points (1) to (6) of Annex I from the application of all or part of the procedure and conditions set out in Sections 1, 2 and 3, with the exception of Articles 14, 15, 22, 24, 25 and 26, where:
- 2(a)
- 3the monthly average of the preceding 12 months’ total value of payment transactions executed by the person concerned, including any agent for which it assumes full responsibility, does not exceed a limit set by the Member State but that, in any event, amounts to no more than EUR 3 million. That requirement shall be assessed on the projected total amount of payment transactions in its business plan, unless an adjustment to that plan is required by the competent authorities; and
- 4(b)
- 5none of the natural persons responsible for the management or operation of the business has been convicted of offences relating to money laundering or terrorist financing or other financial crimes.
- 62. Any natural or legal person registered in accordance with paragraph 1 shall be required to have its head office or place of residence in the Member State in which it actually carries out its business.
- 73. The persons referred to in paragraph 1 of this Article shall be treated as payment institutions, save that Article 11(9) and Articles 28, 29 and 30 shall not apply to them.
- 84. Member States may also provide that any natural or legal person registered in accordance with paragraph 1 of this Article may engage only in certain activities listed in Article 18.
- 95. The persons referred to in paragraph 1 of this Article shall notify the competent authorities of any change in their situation which is relevant to the conditions specified in that paragraph. Member States shall take the necessary steps to ensure that where the conditions set out in paragraph 1, 2 or 4 of this Article are no longer met, the persons concerned shall seek authorisation within 30 calendar days in accordance with Article 11.
- 106. Paragraphs 1 to 5 of this Article shall not apply in respect of Directive (EU) 2015/849 or of national anti-money-laundering law.
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No legal advice. Deterministisk regeluppslagning. Ingen juridisk rådgivning, inget efterlevnadsbeslut, ingen bedömning av ett enskilt ärende.
Citation: 32015L2366 art. 32, Conditions. NovaCopilot, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-32 (hämtad 2026-08-18, bevis sha256:bfc76a31152c0fbd, bygge legal-2026-10-30).