Agent · psd2-2015-2366-78

PSD2 artikel 78: Receipt of payment orders

Strukturelt tre: artikkelens egne punkter, ordrett.

CELEX 32015L2366 · 2026-08-18 · Vekt 59 · minimal-risk

OpenOpen reading. No metering is planned for this class.

Hva siden er: Agent, PSD2 artikel 78
Lest mot offisiell kilde: 2026-08-18Fersk
Ansvarlig utgiver: ExploreWorld Legal, redaksjonenAnsvarsposisjon

Kort svar

What does PSD2 Article 78 require, and what outcome does the rule tree give?

PSD2 Article 78 is tested here by a deterministic rule tree of 3 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 78Lest mot utgiveren 2026-08-18Offisiell tekst

Paragraph 1 applies. 1. Member States shall ensure that the time of receipt is when the payment order is received by the payer’s payment service provider.
Paragraph 2 applies. The payer’s account shall not be debited before receipt of the payment order. If the time of receipt is not on a business day for the payer’s payment service provider, the payment order shall be deemed to have been received on the following business day. The payment service provider may establish a cut-off time near the end of a business day beyond which any payment order received shall be deemed to have been receive…
Paragraph 3 applies. 2. If the payment service user initiating a payment order and the payment service provider agree that execution of the payment order shall start on a specific day or at the end of a certain period or on the day on which the payer has put funds at the payment service provider’s disposal, the time of receipt for the purposes of Article 83 is deemed to be the agreed day. If the agreed day is not a business day for the p…

En kildehenvisning, ikke juridisk rådgivning.

Jurisdiksjon

Samme agent, lest med ett lands øyne.

Inndata

in_scopeThe article applies to the situationboolean
punktParagraph of the articleenum (1 | 2 | 3)

Regeltre

Hvis: alla(in_scope = true, punkt = 1)
Paragraph 1 applies
1. Member States shall ensure that the time of receipt is when the payment order is received by the payer’s payment service provider.
Punkt 1
Hvis: alla(in_scope = true, punkt = 2)
Paragraph 2 applies
The payer’s account shall not be debited before receipt of the payment order. If the time of receipt is not on a business day for the payer’s payment service provider, the payment order shall be deemed to have been received on the following business day. The payment service provider may establish a cut-off time near the end of a business day beyond which any payment order received shall be deemed to have been receive…
Punkt 2
Hvis: alla(in_scope = true, punkt = 3)
Paragraph 3 applies
2. If the payment service user initiating a payment order and the payment service provider agree that execution of the payment order shall start on a specific day or at the end of a certain period or on the day on which the payer has put funds at the payment service provider’s disposal, the time of receipt for the purposes of Article 83 is deemed to be the agreed day. If the agreed day is not a business day for the p…
Punkt 3

Hvis ingen regel treffer: The article is not stated to apply, or no paragraph is selected. The agent abstains rather than guesses.

Artikkelteksten som ble lest

11. Member States shall ensure that the time of receipt is when the payment order is received by the payer’s payment service provider.
2The payer’s account shall not be debited before receipt of the payment order. If the time of receipt is not on a business day for the payer’s payment service provider, the payment order shall be deemed to have been received on the following business day. The payment service provider may establish a cut-off time near the end of a business day beyond which any payment order received shall be deemed to have been received on the following business day.
32. If the payment service user initiating a payment order and the payment service provider agree that execution of the payment order shall start on a specific day or at the end of a certain period or on the day on which the payer has put funds at the payment service provider’s disposal, the time of receipt for the purposes of Article 83 is deemed to be the agreed day. If the agreed day is not a business day for the payment service provider, the payment order received shall be deemed to have been received on the following business day.

Opphav

treatyTFEU art. 288 (direktiv)

act32015L2366

chapter—

article78

paragraphs3

jurisdictionEuropean Union (EU)

supervisorFinansinspektionen — Sweden

national—

Grensesnitt

callhttps://legal.exploreworldai.com/api/public/v1/agents/psd2-2015-2366-78/run

methodGET

outputmatched, outcome, trace, missing, hash

Kvote60 anrop per minut och adress, utan nyckel

stabilityRegelträdet versioneras. En ändring byter artefakthash, aldrig adress.

Hasher

textsha256:1aa5b6855f4a08dd8e9cf6371e96048cd5a6810ffac22b1402d78426961f7463

scriptsha256:63069fb9b104f76c16a6a7c57842ffc733c5eac1ff6aa16eed8e4b6a4308f33b

enginesha256:0a4bd50d21f8ec9be383fc091511008b76ad61909cbfb674eab56fe567fbd7a0

agentsha256:638328d007c1bb5b70d6fb273abaedcd39a90308b0fce54ad467bbaa3d59e39e

versionagent-engine-1+legal-2026-08-25 / 638328d007c1bb5b

Artefakter

Ingen rådgivning. Deterministisk regeluppslagning. Ingen juridisk rådgivning, inget efterlevnadsbeslut, ingen bedömning av ett enskilt ärende.

Sitering: 32015L2366 art. 78, Receipt of payment orders. ExploreWorld Legal, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-78 (hämtad 2026-08-18, bevis sha256:b0e533d06d4357a4, bygge legal-2026-08-25).