EU regulatory register · PSD2
Article 62Charges applicable
CELEX 32015L2366 · Read on 2026-08-18
Official text
Read from the EU Publications Office for this CELEX number. The wording stands as published; nothing here is rewritten or summarised.
1. The payment service provider shall not charge the payment service user for fulfilment of its information obligations or corrective and preventive measures under this Title, unless otherwise specified in Article 79(1), Article 80(5) and Article 88(2). Those charges shall be agreed between the payment service user and the payment service provider and shall be appropriate and in line with the payment service provider’s actual costs.
2. Member States shall require that for payment transactions provided within the Union, where both the payer’s and the payee’s payment service providers are, or the sole payment service provider in the payment transaction is, located therein, the payee pays the charges levied by his payment service provider, and the payer pays the charges levied by his payment service provider.
3. The payment service provider shall not prevent the payee from requesting from the payer a charge, offering him a reduction or otherwise steering him towards the use of a given payment instrument. Any charges applied shall not exceed the direct costs borne by the payee for the use of the specific payment instrument.
4. In any case, Member States shall ensure that the payee shall not request charges for the use of payment instruments for which interchange fees are regulated under Chapter II of Regulation (EU) 2015/751 and for those payment services to which Regulation (EU) No 260/2012 applies.
5. Member States may prohibit or limit the right of the payee to request charges taking into account the need to encourage competition and promote the use of efficient payment instruments.
Judgments of the Court of Justice
1 decisions
- C-484/20Court of Justice of the European Union
Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV
Reference for a preliminary ruling – Consumer protection – Directive (EU) 2015/2366 – Payment services – Article 62(4) – Charges applicable – Article 107(1) – Full harmonisation – Article 115(1) and (2) – Transposition and application – Subscriptions for cable television and internet access – Contracts of indefinite duration concluded before the date for transposition of that directive – Charges applied to payment transactions without direct debit authorisation that are initiated after that date.
The text is quoted from the official source and is not legal advice. A national court reads the language version that binds in its jurisdiction.
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