Article 3Exclusions

This Directive does not apply to the following:

(a)

payment transactions made exclusively in cash directly from the payer to the payee, without any intermediary intervention;

(b)

payment transactions from the payer to the payee through a commercial agent authorised via an agreement to negotiate or conclude the sale or purchase of goods or services on behalf of only the payer or only the payee;

(c)

professional physical transport of banknotes and coins, including their collection, processing and delivery;

(d)

payment transactions consisting of the non-professional cash collection and delivery within the framework of a non-profit or charitable activity;

(e)

services where cash is provided by the payee to the payer as part of a payment transaction following an explicit request by the payment service user just before the execution of the payment transaction through a payment for the purchase of goods or services;

(f)

cash-to-cash currency exchange operations where the funds are not held on a payment account;

(g)

The article continues in the official text.