Agent · psd2-2015-2366-64

PSD2 artikel 64: Consent and withdrawal of consent

Structural tree: the article's own paragraphs, verbatim.

CELEX 32015L2366 · 2026-08-18 · Weight 59 · minimal-risk

OpenOpen reading. No metering is planned for this class.

What this page is: Agent, PSD2 artikel 64
Checked against the official source: 2026-08-18Current
Responsible publisher: ExploreWorld Legal, editorial deskLiability position

Short answer

What does PSD2 Article 64 require, and what outcome does the rule tree give?

PSD2 Article 64 is tested here by a deterministic rule tree of 5 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 64Checked against the publisher 2026-08-18Official text

Paragraph 1 applies. 1. Member States shall ensure that a payment transaction is considered to be authorised only if the payer has given consent to execute the payment transaction. A payment transaction may be authorised by the payer prior to or, if agreed between the payer and the payment service provider, after the execution of the payment transaction.
Paragraph 2 applies. 2. Consent to execute a payment transaction or a series of payment transactions shall be given in the form agreed between the payer and the payment service provider. Consent to execute a payment transaction may also be given via the payee or the payment initiation service provider.
Paragraph 3 applies. In the absence of consent, a payment transaction shall be considered to be unauthorised.

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)

Rule tree

If: alla(in_scope = true, punkt = 1)
Paragraph 1 applies
1. Member States shall ensure that a payment transaction is considered to be authorised only if the payer has given consent to execute the payment transaction. A payment transaction may be authorised by the payer prior to or, if agreed between the payer and the payment service provider, after the execution of the payment transaction.
Paragraph 1
If: alla(in_scope = true, punkt = 2)
Paragraph 2 applies
2. Consent to execute a payment transaction or a series of payment transactions shall be given in the form agreed between the payer and the payment service provider. Consent to execute a payment transaction may also be given via the payee or the payment initiation service provider.
Paragraph 2
If: alla(in_scope = true, punkt = 3)
Paragraph 3 applies
In the absence of consent, a payment transaction shall be considered to be unauthorised.
Paragraph 3
If: alla(in_scope = true, punkt = 4)
Paragraph 4 applies
3. Consent may be withdrawn by the payer at any time, but no later than at the moment of irrevocability in accordance with Article 80. Consent to execute a series of payment transactions may also be withdrawn, in which case any future payment transaction shall be considered to be unauthorised.
Paragraph 4
If: alla(in_scope = true, punkt = 5)
Paragraph 5 applies
4. The procedure for giving consent shall be agreed between the payer and the relevant payment service provider(s).
Paragraph 5

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 a payment transaction is considered to be authorised only if the payer has given consent to execute the payment transaction. A payment transaction may be authorised by the payer prior to or, if agreed between the payer and the payment service provider, after the execution of the payment transaction.
22. Consent to execute a payment transaction or a series of payment transactions shall be given in the form agreed between the payer and the payment service provider. Consent to execute a payment transaction may also be given via the payee or the payment initiation service provider.
3In the absence of consent, a payment transaction shall be considered to be unauthorised.
43. Consent may be withdrawn by the payer at any time, but no later than at the moment of irrevocability in accordance with Article 80. Consent to execute a series of payment transactions may also be withdrawn, in which case any future payment transaction shall be considered to be unauthorised.
54. The procedure for giving consent shall be agreed between the payer and the relevant payment service provider(s).

Lineage

treatyTFEU art. 288 (direktiv)

act32015L2366

chapter—

article64

paragraphs5

jurisdictionEuropean Union (EU)

supervisorFinansinspektionen — Sweden

national—

Interface

callhttps://legal.exploreworldai.com/api/public/v1/agents/psd2-2015-2366-64/run

methodGET

outputmatched, outcome, trace, missing, hash

Quota60 anrop per minut och adress, utan nyckel

stabilityRegelträdet versioneras. En ändring byter artefakthash, aldrig adress.

Hashes

textsha256:31dd743ba15cd875bf16bc12cd177323b45348ee5fa574f049b036d4ef684f16

scriptsha256:05f79e5896e89ed108796d193620074c01488ace2e4509150e4e920e59cd849f

enginesha256:0a4bd50d21f8ec9be383fc091511008b76ad61909cbfb674eab56fe567fbd7a0

agentsha256:433d95590d682e9d114d8515c06b642d9b74a976af369c351bee31cd941d98b4

versionagent-engine-1+legal-2026-08-25 / 433d95590d682e9d

Artefacts

No legal advice. Deterministisk regeluppslagning. Ingen juridisk rådgivning, inget efterlevnadsbeslut, ingen bedömning av ett enskilt ärende.

Citation: 32015L2366 art. 64, Consent and withdrawal of consent. ExploreWorld Legal, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-64 (hämtad 2026-08-18, bevis sha256:04479ecef488cb4e, bygge legal-2026-08-25).