Agent · psd2-2015-2366-87

PSD2 artikel 87: Value date and availability of funds

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 87
Checked against the official source: 2026-08-18Current
Responsible publisher: ExploreWorld Legal, editorial deskLiability position

Short answer

What does PSD2 Article 87 require, and what outcome does the rule tree give?

PSD2 Article 87 is tested here by a deterministic rule tree of 8 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 87Checked against the publisher 2026-08-18Official text

Paragraph 1 applies. 1. Member States shall ensure that the credit value date for the payee’s payment account is no later than the business day on which the amount of the payment transaction is credited to the payee’s payment service provider’s account.
Paragraph 2 applies. 2. The payment service provider of the payee shall ensure that the amount of the payment transaction is at the payee’s disposal immediately after that amount is credited to the payee’s payment service provider’s account where, on the part of the payee’s payment service provider, there is:
Paragraph 3 applies. (a)

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)

Rule tree

If: alla(in_scope = true, punkt = 1)
Paragraph 1 applies
1. Member States shall ensure that the credit value date for the payee’s payment account is no later than the business day on which the amount of the payment transaction is credited to the payee’s payment service provider’s account.
Paragraph 1
If: alla(in_scope = true, punkt = 2)
Paragraph 2 applies
2. The payment service provider of the payee shall ensure that the amount of the payment transaction is at the payee’s disposal immediately after that amount is credited to the payee’s payment service provider’s account where, on the part of the payee’s payment service provider, there is:
Paragraph 2
If: alla(in_scope = true, punkt = 3)
Paragraph 3 applies
(a)
Paragraph 3
If: alla(in_scope = true, punkt = 4)
Paragraph 4 applies
no currency conversion; or
Paragraph 4
If: alla(in_scope = true, punkt = 5)
Paragraph 5 applies
(b)
Paragraph 5
If: alla(in_scope = true, punkt = 6)
Paragraph 6 applies
a currency conversion between the euro and a Member State currency or between two Member State currencies.
Paragraph 6
If: alla(in_scope = true, punkt = 7)
Paragraph 7 applies
The obligation laid down in this paragraph shall also apply to payments within one payment service provider.
Paragraph 7
If: alla(in_scope = true, punkt = 8)
Paragraph 8 applies
3. Member States shall ensure that the debit value date for the payer’s payment account is no earlier than the time at which the amount of the payment transaction is debited to that payment account.
Paragraph 8

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 credit value date for the payee’s payment account is no later than the business day on which the amount of the payment transaction is credited to the payee’s payment service provider’s account.
22. The payment service provider of the payee shall ensure that the amount of the payment transaction is at the payee’s disposal immediately after that amount is credited to the payee’s payment service provider’s account where, on the part of the payee’s payment service provider, there is:
3(a)
4no currency conversion; or
5(b)
6a currency conversion between the euro and a Member State currency or between two Member State currencies.
7The obligation laid down in this paragraph shall also apply to payments within one payment service provider.
83. Member States shall ensure that the debit value date for the payer’s payment account is no earlier than the time at which the amount of the payment transaction is debited to that payment account.

Lineage

treatyTFEU art. 288 (direktiv)

act32015L2366

chapter—

article87

paragraphs8

jurisdictionEuropean Union (EU)

supervisorFinansinspektionen — Sweden

national—

Interface

callhttps://legal.exploreworldai.com/api/public/v1/agents/psd2-2015-2366-87/run

methodGET

outputmatched, outcome, trace, missing, hash

Quota60 anrop per minut och adress, utan nyckel

stabilityRegelträdet versioneras. En ändring byter artefakthash, aldrig adress.

Hashes

textsha256:54299d7fbdde2ebaf2dcb1399553cd06742df19b63341dac551b5d0817377b96

scriptsha256:2334d11e8d87efd35515e44127db37b13b78165e05ca01d6f8014d24b50947cd

enginesha256:0a4bd50d21f8ec9be383fc091511008b76ad61909cbfb674eab56fe567fbd7a0

agentsha256:ac3ed28a506f5d0cb12e8215d84002923c2856c0a6670ec31c3f5078b3185d61

versionagent-engine-1+legal-2026-08-25 / ac3ed28a506f5d0c

Artefacts

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

Citation: 32015L2366 art. 87, Value date and availability of funds. ExploreWorld Legal, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-87 (hämtad 2026-08-18, bevis sha256:74df19e0d1acc431, bygge legal-2026-08-25).