C-665/23IL v Veracash SAS

The court's own keywords

Reference for a preliminary ruling – Payment services in the internal market – Directive 2007/64/EC – Article 56(1)(b) – Obligation for the payment service user to notify the payment service provider ‘without undue delay’ of the loss, theft, misappropriation or unauthorised use of his or her payment instrument – Article 58 – Notification of unauthorised payment transactions – Rectification of such a transaction by the payment service provider subject to the obligation for the user of those services to notify that transaction ‘without undue delay … and no later than 13 months after the debit date’ – Articles 60 and 61 – Respective liabilities of the payment service provider and of the payer for unauthorised payment transactions – Successive unauthorised payment transactions resulting from the loss, theft, misappropriation or unauthorised use of a payment instrument – Delayed notification without intent or gross negligence – Scope of the right to a refund.

Interprets