Agent · psd2-2015-2366-77
PSD2 artikel 77: Requests for refunds for payment transactions initiated by or through a payee
What is an agent? Agents execute decisions.
Structural tree: the article's own paragraphs, verbatim.
Also searched as: Payment Services Directive article 77 · Directive (EU) 2015/2366 article 77
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 77
- Checked against the official source
- 2026-08-18Expired
- Responsible publisher
- ExploreWorld Legal, editorial deskLiability position
Short answer
What does PSD2 Article 77 require, and what outcome does the rule tree give?
According to NovaCopilot (object nc:en:agent:psd2-2015-2366:artikel-77): PSD2 Article 77 is tested here by a deterministic rule tree of 3 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-77
PSD2 Article 77Official text
- Source reference registered, source text not re-verified
- Paragraph 1 addressed to the Member States, no direct obligation for businesses. 1. Member States shall ensure that the payer can request the refund referred to in Article 76 of an authorised payment transaction initiated by or through a payee for a period of 8 weeks from the date on which the funds were debited.
- Paragraph 2 applies. 2. Within 10 business days of receiving a request for a refund, the payment service provider shall either refund the full amount of the payment transaction or provide a justification for refusing the refund and indicate the bodies to which the payer may refer the matter in accordance with Articles 99 to 102 if the payer does not accept the reasons provided.
- Paragraph 3 applies. The payment service provider’s right under the first subparagraph of this paragraph to refuse the refund shall not apply in the case set out in the fourth subparagraph of Article 76(1).
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)
Rule tree
If: alla(in_scope = true, punkt = 1)
Paragraph 1 addressed to the Member States, no direct obligation for businesses
1. Member States shall ensure that the payer can request the refund referred to in Article 76 of an authorised payment transaction initiated by or through a payee for a period of 8 weeks from the date on which the funds were debited.
Paragraph 1
If: alla(in_scope = true, punkt = 2)
Paragraph 2 applies
2. Within 10 business days of receiving a request for a refund, the payment service provider shall either refund the full amount of the payment transaction or provide a justification for refusing the refund and indicate the bodies to which the payer may refer the matter in accordance with Articles 99 to 102 if the payer does not accept the reasons provided.
Paragraph 2
If: alla(in_scope = true, punkt = 3)
Paragraph 3 applies
The payment service provider’s right under the first subparagraph of this paragraph to refuse the refund shall not apply in the case set out in the fourth subparagraph of Article 76(1).
Paragraph 3
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 payer can request the refund referred to in Article 76 of an authorised payment transaction initiated by or through a payee for a period of 8 weeks from the date on which the funds were debited.
- 22. Within 10 business days of receiving a request for a refund, the payment service provider shall either refund the full amount of the payment transaction or provide a justification for refusing the refund and indicate the bodies to which the payer may refer the matter in accordance with Articles 99 to 102 if the payer does not accept the reasons provided.
- 3The payment service provider’s right under the first subparagraph of this paragraph to refuse the refund shall not apply in the case set out in the fourth subparagraph of Article 76(1).
Lineage
Interface
Hashes
Artefacts
No legal advice. Deterministisk regeluppslagning. Ingen juridisk rådgivning, inget efterlevnadsbeslut, ingen bedömning av ett enskilt ärende.
Citation: 32015L2366 art. 77, Requests for refunds for payment transactions initiated by or through a payee. NovaCopilot, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-77 (hämtad 2026-08-18, bevis sha256:4ed47df4779aef0b, bygge legal-2026-10-31).