Agent · psd2-2015-2366-45
PSD2 artikel 45: Information and conditions
Structural tree: the article's own paragraphs, verbatim.
CELEX 32015L2366 · 2026-08-18 · Weight 67 · minimal-risk
OpenOpen reading. No metering is planned for this class.
- What this page is
- Agent, PSD2 artikel 45
- Checked against the official source
- 2026-08-18Current
- Responsible publisher
- ExploreWorld Legal, editorial deskLiability position
Short answer
What does PSD2 Article 45 require, and what outcome does the rule tree give?
PSD2 Article 45 is tested here by a deterministic rule tree of 14 rules, built from the article's own conditions. The tree reads your facts and names the outcome that applies, starting with Paragraph 1 applies, carrying paragraph citation, content hash and read date 2026-08-18 against CELEX 32015L2366. The outcome is a machine classification, not a compliance decision.
PSD2 Article 45Checked against the publisher 2026-08-18Official text
- Paragraph 1 applies. 1. Member States shall ensure that the following information and conditions are provided or made available by the payment service provider to the payment service user:
- Paragraph 2 applies. (a)
- Paragraph 3 applies. a specification of the information or unique identifier to be provided by the payment service user in order for a payment order to be properly initiated or executed;
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 | 11 | 12 | 13 | 14)
Rule tree
If: alla(in_scope = true, punkt = 1)
Paragraph 1 applies
1. Member States shall ensure that the following information and conditions are provided or made available by the payment service provider to the payment service user:
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
a specification of the information or unique identifier to be provided by the payment service user in order for a payment order to be properly initiated or executed;
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
the maximum execution time for the payment service to be provided;
Paragraph 5
If: alla(in_scope = true, punkt = 6)
Paragraph 6 applies
(c)
Paragraph 6
If: alla(in_scope = true, punkt = 7)
Paragraph 7 applies
all charges payable by the payment service user to the payment service provider and, where applicable, a breakdown of those charges;
Paragraph 7
If: alla(in_scope = true, punkt = 8)
Paragraph 8 applies
(d)
Paragraph 8
If: alla(in_scope = true, punkt = 9)
Paragraph 9 applies
where applicable, the actual or reference exchange rate to be applied to the payment transaction.
Paragraph 9
If: alla(in_scope = true, punkt = 10)
Paragraph 10 applies
2. In addition, Member States shall ensure that payment initiation service providers shall, prior to initiation, provide the payer with, or make available to the payer, the following clear and comprehensive information:
Paragraph 10
If: alla(in_scope = true, punkt = 11)
Paragraph 11 applies
(a)
Paragraph 11
If: alla(in_scope = true, punkt = 12)
Paragraph 12 applies
the name of the payment initiation 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 contact details, including electronic mail address, relevant for communication with the payment initiation service provider; and
Paragraph 12
If: alla(in_scope = true, punkt = 13)
Paragraph 13 applies
(b)
Paragraph 13
If: alla(in_scope = true, punkt = 14)
Paragraph 14 applies
the contact details of the competent authority.
Paragraph 14
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 shall ensure that the following information and conditions are provided or made available by the payment service provider to the payment service user:
- 2(a)
- 3a specification of the information or unique identifier to be provided by the payment service user in order for a payment order to be properly initiated or executed;
- 4(b)
- 5the maximum execution time for the payment service to be provided;
- 6(c)
- 7all charges payable by the payment service user to the payment service provider and, where applicable, a breakdown of those charges;
- 8(d)
- 9where applicable, the actual or reference exchange rate to be applied to the payment transaction.
- 102. In addition, Member States shall ensure that payment initiation service providers shall, prior to initiation, provide the payer with, or make available to the payer, the following clear and comprehensive information:
- 11(a)
- 12the name of the payment initiation 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 contact details, including electronic mail address, relevant for communication with the payment initiation service provider; and
- 13(b)
- 14the contact details of the competent authority.
Lineage
Interface
Hashes
Artefacts
No legal advice. Deterministisk regeluppslagning. Ingen juridisk rådgivning, inget efterlevnadsbeslut, ingen bedömning av ett enskilt ärende.
Citation: 32015L2366 art. 45, Information and conditions. ExploreWorld Legal, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-45 (hämtad 2026-08-18, bevis sha256:33b54cdb7347e8a8, bygge legal-2026-08-25).