EU regulatory register · PSD2
Article 64Consent and withdrawal of consent
CELEX 32015L2366 · Read on 2026-08-18
Short answer
1. Member States shall ensure that a payment transaction is considered to be authorised only if the payer has given consent to execute the payment transaction.
Verbatim from the article. Source: NovaCopilot · https://legal.exploreworldai.com/eu/rattsakter/psd2-2015-2366/artikel-64 · Short answer as data · Official text
Official text
Read from the EU Publications Office for this CELEX number. The wording stands as published; nothing here is rewritten or summarised.
1. Member States shall ensure that a payment transaction is considered to be authorised only if the payer has given consent to execute the payment transaction. A payment transaction may be authorised by the payer prior to or, if agreed between the payer and the payment service provider, after the execution of the payment transaction.
2. Consent to execute a payment transaction or a series of payment transactions shall be given in the form agreed between the payer and the payment service provider. Consent to execute a payment transaction may also be given via the payee or the payment initiation service provider.
In the absence of consent, a payment transaction shall be considered to be unauthorised.
3. Consent may be withdrawn by the payer at any time, but no later than at the moment of irrevocability in accordance with Article 80. Consent to execute a series of payment transactions may also be withdrawn, in which case any future payment transaction shall be considered to be unauthorised.
4. The procedure for giving consent shall be agreed between the payer and the relevant payment service provider(s).
Follow-up questions
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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