II 
(Non-legislative acts) 
REGUL ATIONS 
REGUL ATION (EU) 2020/… OF THE EUR OPEAN CENTRAL BANK 
of 1 December 2020 
amending Regulation (EU) No 1409/2013 on payments statist ics (ECB/2013/43) (ECB/2020/59) 
The GOVERNING COUNCIL OF THE EUR OPEAN CENTRAL BANK, 
Havi ng regar d to the Treaty on the Functioning of the European Union, and in particular Article 127(2) thereof, 
Havi ng regard to the Statut e of the European System of Central Bank s and of the European Central Bank , and in particular 
Article 5 thereof, 
Havi ng regar d to Council Regulation (EC) No 2533/98 of 23 November 1998 concer ning the collection of statistical 
information by the European Central Bank (1), and in particular Articles 5(1) and 6(4) thereof, 
Whereas: 
(1) Information relating to payments and payment systems statistics collect ed pursuant to Article 2(1) of Regulation 
(EC) No 2533/98 is essential for identifying and monitor ing developments in the payments markets within the 
Member States. The European Central Bank (ECB) collects countr y-specif ic and comparative payments statistics so 
that it is able to fulfil its task of promoting the smooth operation of payment system s in the Union and thus helps 
contr ibut e to the smooth conduct of policies relating to the prudential super vision of credit institutions and the 
stability of the financial system . 
(2) Given that payments are effected by means of payment instr uments and processed by payment system s, collecting 
statistical information on payment instr uments is necessar y to ensure the smooth operation of the systems through 
which they pass. In addition, as standards in respect of payment instr uments are determi ned by payment schem es, 
the collection of statistical information concer ning the operation of payment schemes is necessar y to contr ibut e to 
the smooth functioning of those payment system s. For these purposes, the ECB requires statistical information on 
an annual and on an semi-annual basis. Theref ore, the repor ting frequency should be increased. 
(3) In light of the interconnection between payment instr uments and payment systems , the smooth operation of 
payment systems is dependent on public confidence in payment instr uments. Financial loss due to fraud 
under mines public confidence in payment instr uments and it is theref ore important to adop t measures that ensure 
that payment instr uments are secure and that their users and the payment syste ms through which such payments 
pass are also secure. It is theref ore duly justif ied to monitor the levels of fraud, and the means by which such fraud 
is carried out, to ensure the safety , secur ity and efficiency of those instr uments, thereby ensur ing their smooth 
operation. 
(1)OJ L 318, 27.11.1998, p. 8. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                         L 999/1   
(4) Directive (EU) 2015/2366 of the European Parliament and of the Council (2) requires Member States to ensure that 
payment service providers (PSPs) provide their compet ent author ities, at least on an annual basis, statistical 
information on fraud relating to different means of payment. Detail on this statistical information, as well as the 
aggregat ed data that the compet ent author ities have to share with the EBA and the ECB is provid ed in the EBA 
Guidelines on repor ting requirements for fraud data (3). As the EBA Guidelines focus on the repor ting of data that 
are relevant mostly for super visor y purposes, it is necessar y to ensure that the statistical information available to the 
ECB will allow it to effectively perform its oversight tasks, for example, by accurately monit oring trends in new 
payment services, formulating policies in rapidly-evolving retail payment mark ets and assessing the degree of safety 
and efficiency of the payment instr uments to mitig ate the specific risks (e.g. financial and operational risks) relating 
to the individual payment schemes. As a consequence, more detailed repor ting of information on fraud should be 
required. Repor ting agents should theref ore repor t not only statistical information on fraud per payment 
instr ument (e.g. card-based payment instr uments, credit transfer s, direct debits) as foreseen by the EBA Guidelines, 
but should also repor t more detailed data on payment channels, payment schemes, cross border card-based 
payment transactions and countr y breakdowns. In order to simplify the repor ting requirements for repor ting 
agents, the frequency of repor ting should correspond with the frequency of repor ting under the EBA Guidelines. 
(5) For the same reasons and to ensure consistent repor ting, the definit ions and the methodology laid down in 
Regulation (EU) No 1409/2013 of the European Central Bank (ECB/2013/43) (4) should be aligned with the 
definit ions and the methodology laid down in Directive (EU) 2015/2366, as far as applicable for the purposes of 
ESCB tasks. 
(6) More general ly the methodology according to which statistical information on payments and payment systems is 
collect ed should take account of developments in the legal framewor k for the regulation of payments within the 
Union. Any reform of the regulation of payments in the Union should theref ore be taken into consideration when 
determining the methodology for the collection of statistical information concer ning such payments. According ly, 
provisions in Directive (EU) 2015/2366 relating to additional payment services, payment initiation services, 
account information services and the licensing and super vision of new types of PSPs, payment initiation service 
provid ers and account information service providers should be taken into account to ensure that information in the 
area of payments and payment syste m statistics is compl ete. It is theref ore necessar y to collect information on the 
activities of these new PSPs and, in particular , on the services they provi de, to understand the roles they perform in 
the econom y. Existing repor ting requirements should theref ore be extende d to include information relating to the 
activities of these new types of PSPs, as well as information relating to strong customer authentication and any 
exem ptions to its application, so that the European System of Central Banks is able to fulfil its independent 
oversight tasks. 
(7) In order to monitor cross-border trade and improve the overall quality of the information required to compile 
balance of payments statistics, in particular on the item on travel, transpor t and the item on online trade in goods 
and services (e-commerce), further detail on card-based payment transactions is required. The collection of 
statistical information on the merchant’s sector of activity , by means of the merchant catego ry code (MCC), and the 
collection of card-based payment transactions on a worldwide basis allows for an in-dep th analysis of intern ational 
payment transactions and an accurat e allocation of payments across the various categor ies of goods and services. 
For the same reason, repor ting agents should be required to repor t these statistics quar terly, and within shor ter 
deadlines in order to enhance their relevance and utility and contr ibut e to the compilation of quar terly balance of 
payments. 
(8) Ensur ing the collection of the most relevant information within effective methodologies allows for the compilation 
of accurate statistics. A great er repor ting frequency and a more detailed geographical breakdo wn of payments 
statistics is theref ore necessar y to improve the assessment of the shor t term developments in economic activity , 
including quar terly private consum ption, whic h comprises a central component of GDP forecasting. 
(2)Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the inter nal 
market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing 
Directive 2007/64/EC (OJ L 337, 23.12.2015, p. 35). 
(3)European Banking Author ity Guidelines on repor ting requirements for fraud data under Article 96(6) PSD2, EBA/GL/2018/05. 
(4)Regulation (EU) No 1409/2013 of the European Central Bank of 28 November 2013 on payments statistics (ECB/2013/43) (OJ L 352, 
24.12.2013, p. 18). EN Offi cial Jour nal of the European Union L 999/2                                                                                                                                         11.12.2020   
(9) In light of the principle of propor tionality , national central banks (NCBs) should be able to grant derogat ions to 
repor ting agents in respect of the statistical repor ting requirements set out in this Regulation under specific 
conditions, where the granting of such derogations does not impede the ESCB from effectively fulfilling its tasks. In 
addition, NCBs should have the power to collect the necessar y statistical information on payments via the relevant 
national compe tent author ity (NCA) that already collects data from repor ting agents, in accordance with local 
cooperation arrangemen ts. Equally , it should be possible for the confidential statistical information on fraud 
collect ed under this Regulation to be transmitted to an NCA to facilitat e the data collection under Directive 
(EU) 2015/2366, provid ed that the rules for the prote ction and use of conf idential statistical information in 
Regulation (EC) No 2533/98 are met. 
(10) The European Commission was consult ed on the amendments to the statistical requirements set out in Regulation 
(EU) No 1409/2013 (ECB/2013/43) in accordance with Article 5(2) of Regulation (EC) No 2533/98. 
(11) In order to allow repor ting agents sufficient time to prepare, first repor ting should not apply for a period of at least 
12 months from the date of adoptio n of this Regulation. 
(12) Regulation (EU) No 1409/2013 of the European Central Bank (ECB/2013/43) should theref ore be amended 
according ly, 
HAS ADOPTED THIS REGUL ATION: 
Article 1 
Amendments to Regulation (EU) No 1409/2013 (ECB/2013/43) 
Regulation (EU) No 1409/2013 (ECB/2013/43) is amended as follows : 
(1) Article 1 is amended as follows: 
(a) point (b) is replaced by the following: 
‘(b) “payment service provid er”, “payment institution”, “payment system ” and “payment transaction” have the same 
meaning as defined in Article 4 of Directive (EU) 2015/2366 of the European Parliament and of the 
Council (*); 
_____________ 
(*) Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 Novem ber 2015 on payment 
services in the intern al market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and 
Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (OJ L 337, 23.12.2015, p. 35).’; 
(b) the follo wing point (e) is added: 
‘(e) “payment service” means any of the business activities listed in Annex I to Directive (EU) 2015/2366 or any of 
the services liste d in Article 4(3)(a) of this Regulation.’; 
(2) Article 2 is replaced by the followi ng: 
‘Article 2 
Actual repor ting population 
The actual repor ting population shall consist of payment service provid ers (including electronic mone y issuers) and 
payment system operat ors.’; 
(3) in Article 3, paragraph 1 is replaced by the follo wing: 
‘1. The actual repor ting population referred to in Article 2 shall repor t the statistical information to the NCB of the 
Member State in which the relevant repor ting agent is resident, either directly or via the relevant national compet ent 
author ity pursuant to local cooperation arrang ements, as specifi ed in Annex III and taking into consideration the 
clarifications and definitions provid ed in Annexes I and II. Those repor ting agents shall repor t the required statistical 
information in accordance with the minimum standards set out in Annex IV’; EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                         L 999/3   
(4) Article 4 is replaced by the followi ng: 
‘Article 4 
Derogations 
1. For the purposes of granting derogations to repor ting agents NCBs shall be guided by the principle of 
propor tionality . 
2. NCBs may grant derogations to the following repor ting agents in respect of the repor ting requirements referred 
to in Article 3(1) and in accordance with paragraphs 3 and 4: 
(a) payment institutions, where they fulfil the conditions laid down in paragraphs 1 and 2 of Article 32 of Directive 
(EU) 2015/2366; 
(b) electronic mone y institutions, where they fulfil the conditions laid down in paragraphs 1 and 2 of Article 9 of 
Directive 2009/110/EC; 
(c) payment service provid ers other than those refer red to in points (a) and (b), where they fulfil both the conditions 
laid down in Article 32(1) and (2) of Directive (EU) 2015/2366 and the conditions laid down in Article 9(1) 
and (2) of Directive 2009/110/EC. 
For the purposes of the first subparagraph, NCBs may grant derogations regar dless of whether repor ting agents have 
been waived or exempted from prudential requirements pursuant to the relevant national law transposing Directive 
(EU) 2015/2366 and Directive 2009/110/EC. 
3. NCBs may grant derogations in accordance with paragraph 4 to the repor ting agents referred to in paragraph 2 
where either of the followi ng apply: 
(a) the total value, as contr ibuted by all payment service provid ers that could benefit from such derogat ion, of each of 
the follo wing payment services does not exceed 5 % at national level: 
(i) credit transfers (sent), 
(ii) direct debits (sent), 
(iii) card-based payment transactions (sent and received), 
(iv) cash withdrawals using card-based payment instr uments, 
(v) e-money payment transactions (sent), 
(vi) cheques (sent), 
(vii) money remittances (sent), 
(viii) other payment services (sent), 
(ix) payment initiation services, 
(x) other services not included in Directive (EU) 2015/2366 (sent); 
(b) the tota l number of clients, as contr ibut ed by all payment service provid ers that could benefit from such 
derogat ion, of account information services does not exceed 5 % at national level. 
For the purposes of point (a) the cumulative tota l value, as contr ibut ed by all payment service provi ders that could 
benefit from such derogation, of the payment services listed therein shall not excee d 5 % at national level. 
For the purposes of this paragraph, NCBs may only grant derog ations where the repor ting burden would be 
dispropor tionate in view of the size of such repor ting agents. 
4. Repor ting agents that have been grant ed derog ations pursuant to paragraphs 2 and 3 shall repor t statistical 
information in accordance with Tables 4b and 5b of Annex III. 
5. NCBs shall verify compl iance with the conditions set out in paragraphs 2 and 3 on an annual basis and in good 
time in order to grant or withdra w any derogation with effect from the start of the second successive calendar year 
where necessar y. That verification shall be based on the relevant repor ting periods for the 12 months immediately 
preceding the reference period in whic h the assessment is conduct ed. 
6. Where an NCB grants a derogation pursuant to this Article, it shall notify the ECB thereof at the same time as it 
repor ts information pursuant to Article 6. EN Offi cial Jour nal of the European Union L 999/4                                                                                                                                         11.12.2020   
7. The ECB shall publish a list of entities grant ed derogations by the NCBs pursuant to this Article.’; 
(5) Article 6 is replaced by the followi ng: 
‘Article 6 
Timeliness 
1. Statistical information repor ted in accordance with Annex III shall be transmitted by the NCBs to the ECB on a 
quar terly, semi-annual or annual basis and as follows : 
(a) for repor ting on a quar terly basis, statistical information set out in Table 9 of Annex III shall be transmitte d by close 
of business on the last working day of the second month follo wing the end of the relevant quar ter; 
(b) for repor ting on a semi-annual basis, statistical information set out in Tables 1, 2, 3, 4a, 5a, 6, 7 and 8 of Annex III 
for the period Januar y to June shall be transmitted by close of business on the last working day of November 
follo wing the end of the first half of the year to whic h it relates. Statistical information for the period July to 
December shall be transmitted by close of business on the last working day of May followi ng the end of the 
second half of the year to which it relates; 
(c) for repor ting on an annual basis, statistical information set out in Tables 4b and 5b of Annex III shall be 
transmitted with a half-ye arly breakdown by close of business on the last working day of May follo wing the year 
to which it relat es; 
2. NCBs shall establish clear repor ting deadlines for repor ting agents. Those repor ting deadlines shall clearly 
determine the frequency with which repor ting agents are to repor t to NCBs and shall ensure that NCBs are able to 
meet their repor ting deadlines with the ECB set out in paragraph 1.’; 
(6) the following Article 8a is inser ted: 
‘Article 8a 
Firs t repor ting of quar terly , semi-annual and annual statist ical information 
1. Repor ting to the ECB by the NCBs of quar terly and semi-annual statistical information shall begin with quar terly 
data for Q1 of 2022 by end-Ma y 2022 and semi-annual data for H1 of 2022 by end-No vember 2022. 
2. Repor ting to the ECB by the NCBs for aggregat ed annual statistical information with a half-ye arly breakdown in 
relation to repor ting agents grant ed derogation pursuant to paragraphs (2) and (3) of Article 4 shall begin with the 
reference periods [H1 and H2 of 2022 by end-Ma y 2023].’; 
(7) Annex es I, II and III to Regulation (EU) No 1409/2013 are replaced by Annexes I, II and III to this Regulation. 
Article 2 
Final provisions 
This Regulation shall enter into force on the twentieth day followi ng its publication in the Official Journal of the European 
Union. It shall apply from 1 Januar y 2022. 
This Regulation shall be binding in its entirety and directly applicable in the Member State s in 
accordance with the Treaties. 
Done at Frankfur t am Main, 1 December 2020.  
For the Gover ning Council of the ECB 
The President of the ECB 
Christine LAGARDE     EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                         L 999/5   
ANNEX I 
GENERAL STR UCTURE OF PAYMENTS STATISTICS 
PART 1 
Overview 
Part 1.1 Overview of table s 
1. Payments statistics are compiled by the European Central Bank (ECB) through specific harmonised data collections 
manag ed at national level by each national central bank (NCB). The data compilation is structured in the form of nine 
tables as descr ibed below containing national data on each Member State whose currency is the euro (hereinaf ter a 
‘euro area Member State’). Tables 1, 2, 3, 4, 5, 6 and 9 should be repor ted by payment service providers (PSPs), while 
Tables 7 and 8 should be repor ted by payment system operat ors (PSOs). There are two versions of Tables 4 and 5, 
only one of which should be repor ted. Tables 4a and 5a should be repor ted by all PSPs which have not been granted a 
derog ation pursuant to Article 4, whereas repor ting agents which have been granted a derogation pursuant to 
Article 4(2) and (3) should repor t the statistical information in Tables 4b and 5b.                                                              
Table Descr iption of main contents 
Table 1: 
Institutions offer ing payment ser­
vices to non-monetar y financial 
institutions (non-MFIs) Breakdown s showing number of over night deposits, number of payment 
accounts, number of e-money accounts and outstanding value on e-money 
storag es issued, by credit institutions, electronic money institutions, payment 
institutions and other payment service provid ers (PSPs) and e-money issuers. In 
addition, breakdowns showi ng the number of clients of account information ser­
vice providers (AISPs) and the number of accounts accessed by AISPs are 
included. The number of accounts accessed by AISPs is repor ted by the ASPSP 
while the AISPs repor t the number of their clients. 
Table 2: 
Card functions Number of cards issued by PSPs resident in the countr y. Data on cards are com­
piled with a breakdown by function of the card and within the function of the 
card with a breakdown by card scheme. 
Table 3: 
Card accepti ng devices Number of term inals provid ed by PSPs resident in the countr y. Data on terminals 
distinguish between autom atic teller mach ines (ATMs), point-of-sale (POS) and e- 
mone y card terminals and between term inal functions. 
Table 4a: 
Payment transactions involving 
non-MFIs Number and value of payment transactions sent and received by non-MFIs 
through PSPs resident in the countr y broken down between remot e and non- 
remot e transactions. Transactions are compiled by payment service, initiation 
channel and within payment schem es with a breakdown between strong custo­
mer authentication (SCA ) and non-strong customer authentication (non-SCA ). 
For transactions authenticated via non-SCA the reasons for the authentication 
via non-SCA are provided. 
Table 4b: 
Payment transactions involving 
non-MFIs repor ted by repor ting 
agents grant ed a derogat ion Number and value of payment transactions sent and received by non-MFIs 
through PSPs resident in the countr y broken down between remot e and non- 
remot e transactions. Transactions are compiled by payment service, initiation 
channel and with a breakdown between strong customer authentication (SCA ) 
and non-strong custome r authentication (non-SCA ) with the reasons for using 
non-SCA . Table 4b is only repor ted by PSPs which have been granted a deroga­
tion. EN Offi cial Jour nal of the European Union L 999/6                                                                                                                                         11.12.2020   
Table Descr iption of main contents 
Table 5a: 
Fraudulent payment transactions 
involving non-MFIs Number and value of fraudulent payment transactions sent and received by non- 
MFIs through PSPs resident in the countr y. Transactions are compiled by pay­
ment service, initiation channel and within payment schem es with a breakdown 
by fraud origin and a breakdown between strong customer authentication (SCA ) 
and non-strong custom er authentication (non-SCA ). For transactions authenti­
cated via non-SCA , the reasons for the authentication via non-SCA are provided. 
Table 5b: 
Fraudulent payment transactions 
involving non-MFIs repor ted by 
repor ting agents granted a deroga ­
tion Number and value of fraudulent payment transactions sent and received by non- 
MFIs through PSPs resident in the countr y. Transactions are compiled by pay­
ment service, initiation channel and authentication method; the SCA and non- 
SCA breakdowns are further broken down by fraud origin and, for the break­
down by non-SCA, by reason for authentication via non-SCA . Table 5b is only 
repor ted by PSPs whic h have been grant ed a deroga tion. 
Table 6: 
Payment transactions per type of 
term inal involving non-MFIs Number and value of payment transactions sent by non-MFIs through PSPs. 
Transactions are compiled by type of terminal involved with a geographical 
breakdown . Number and value of over-the-count er (OTC) cash withdra wals and 
deposits are also included, as are the number and value of cash advances at POS 
term inals. 
Table 7: 
Participation in selecte d payment 
systems Number of participants in each payment system located in the countr y, distin­
guishing direct and indirect participants and within direct participants with a 
breakdown by type of institution. 
Table 8: 
Payments processed by select ed 
payment systems Number and value of payment transactions processed by each payment system 
locat ed in the countr y, by payment service and with a geograp hical breakdown. 
Table 9: 
Quar terly repor ting of payment 
transactions involving non-MFIs Number and value of payment transactions sent by non-MFIs. Transactions are 
compiled by payment service and initiation channel. Card-based payment tran­
sactions are further brok en down by the merchant categor y code (MCC).   
Part 1.2 Type of information 
1. Stoc k data, as contained in Tables 1, 2, 3 and 7, refer to end-of-per iod, i.e. positions on the last working day of the 
reference period. The indicator s on the outstanding value on e-money stora ges issued are compi led in euro and relat e 
to payment storages denominate d in all currencies. 
2. Flow data, as contained in Tables 4, 5, 6, 8 and 9, relat e to payment transactions accumulated throughout the period, i. 
e. total for the reference period. The indicators on the value of transactions are compiled in euro and relat e to payment 
transactions denominat ed in all currencies. 
Part 1.3 Consolidation within the same national territory 
1. For each euro area Member State, the repor ting population consists of PSPs and PSOs. 
2. PSPs are institutions incor porate d and locat ed in that territory , including subsidiar ies of parent companies locat ed 
outside that territory , and branches of institutions that have their head office outside that territory . 
(a) Subsidiar ies are separate incor porat ed entities in which another entity has a majority or full holding. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                         L 999/7   
(b) Branches are unincor porate d entities without independent legal status wholly owned by the parent. 
3. For statistical purposes, the following principles apply for consolidation of PSPs within national boundar ies: 
(a) If a parent compan y and its subsidiar ies are PSPs locat ed in the same national territory, the parent compan y is 
permitted in its statistical retur ns to consolidate the business of these subsidiar ies. This is only applicable in the 
event that the parent compan y and its subsidiar ies are classified as the same type of PSP. 
(b) If an institution has branches locat ed within the territori es of the other euro area Member States, the registered or 
head office locat ed in a given euro area Member State considers these branches as residents in the other euro area 
Member States. Conversely , a branch locat ed in a given euro area Member State considers the register ed or head 
office or other branches of the same institution locat ed within the territori es of the other euro area Member 
States as residents in the other euro area Member States. 
(c) If an institution has branches locat ed outside the territory of the euro area Member States, the registered or head 
office locat ed in a given euro area Member State considers these branches as residents of the rest of the world. 
Conversely , a branch locat ed in a given euro area Member State considers the registe red or head office or other 
branches of the same institution locat ed outside the euro area Member State s as residents of the rest of the world. 
4. For statistical purposes, consolidation of PSPs across national boundar ies is not permitted. 
5. If a PSO is responsible for several payment systems locat ed in the same national territory , statistics for each payment 
system are repor ted separately . 
6. Institutions located in offshore financial centres are treated for statistical purposes as residents of the territories in 
whic h the centres are located. 
PART 2 
Specif ic featu res in Tables 2 to 9 
Part 2.1 Card functions (Table 2) 
1. If a ‘card with a payment function (except cards with an e-money function only)’ offers several functions, it is counte d 
in each applicable sub-category . Theref ore, the total number of cards with a payment function may be smaller than the 
sum of the sub-categor ies. To avoid double-counting, sub-categor ies should not be added up. 
2. Within each payment function (i.e. debit, dela yed debit and credit), card-based payment instr uments are broken down 
according to the payment card scheme (PCS) under which they are issued. Co-badg ed card-based payment instr uments 
are counted in each of the applicable schem es. Theref ore, the total number of card-based payment instr uments by 
payment function may be smaller than the sum of those cards by PCS. To avoid double-counting, cards by PCS 
should not be combined. 
3. A ‘dela yed debit card’ is repor ted as a ‘credit card’ if the specifi c ‘dela yed debit’ function cannot be identif ied. The same 
logic applies to the repor ting of transactions with a dela yed debit card. 
4. A ‘card with an e-money function’ can be either a ‘card on whic h e-money can be store d directly’ or a ‘card whic h gives 
access to e-money stored on e-money accounts’. Theref ore, the total number of cards with an e-money function is the 
sum of the two sub-categor ies. 
5. The total number of cards issued by resident PSPs is state d separately in ‘total number of cards (irrespective of the 
number of functions on the card)’. This indicator may not necessar ily be the sum of ‘cards with a cash function’, 
‘cards with a payment function’ and ‘cards with an e-money function’ , as these categor ies may not be mutually 
excl usive. EN Offi cial Jour nal of the European Union L 999/8                                                                                                                                         11.12.2020   
6. The indicator ‘card with a combined debit, cash and e-money function’ refers to a card issued by a PSP, which has 
combined cash, debit and e-money functions. In addition, it is repor ted in each of the sub-categorie s: 
(a) ‘debit card’; 
(b) ‘cards with a cash function’; 
(c) ‘cards with an e-money function’. 
7. A card with combined functions is repor ted in each of the relevant sub-cate gories. 
8. Cards are counted on the card-issuing side regar dless of the cardholder ’s residency or the location of the account to 
whic h the card is linked. 
9. Each countr y repor ts the number of cards that have been issued by PSPs resident in the countr y. 
10. Cards in circulation are included irrespective of when they were issued or whether they were used. 
11. Cards issued by card schemes, i.e. three-par ty or four-par ty schemes, are included. 
12. Expired or withdrawn cards are not included. 
13. Cards issued by merc hants, i.e. retailer cards, are not included, unless they have been issued in cooperation with a PSP, 
i.e. they are co-branded. 
Part 2.2 Card accepting devices (Table 3) 
1. All physical term inals at which transactions are acquired by resident PSPs are repor ted, including all terminals located 
in the repor ting countr y and term inals locat ed outside of the repor ting countr y. 
2. Terminals at which transactions are acquired by branches and/or subsidiar ies of the PSP locat ed abroad are not 
repor ted by the parent PSP, but by the branches and/or subsidiar ies themselves. 
3. Ever y term inal is counted individually even if several term inals of the same type exist at one merchant location. 
4. If an ATM offers more than one function, it is count ed in each applicable sub-cate gory. Theref ore, the total number of 
ATMs may be smaller than the sum of the sub-cate gories. To avoid double-counting, sub-categorie s should not be 
added up. 
5. POS terminals are broken down into ‘EFTPOS term inals ’ and within this breakdown by those ‘accep ting contactless 
transactions’ and those ‘accep ting e-money card transactions’. These sub-categories should not be added up as they 
are not mutually excl usive. 
6. If an e-money card term inal offers more than one function, it is counte d in each applicable sub-cate gory. Theref ore, 
the total number of e-money card term inals may be smaller than the sum of the sub-categorie s. To avoid double- 
counting, sub-categories should not be added up. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                         L 999/9   
Part 2.3 Payment transactions involving non-MFIs (Tables 4a and 4b) 
Part 2.3.1 Payment transactions involving non-MFIs (Table 4a) 
1. Payment transactions are initiated by non-MFIs to any counter party or by PSPs if the counter party is a non-MFI. This 
includes: 
(a) payment transactions which take place between two accounts held at differ ent PSPs and whic h are executed with 
the use of an intermediar y, i.e. where payments are sent to another PSP or to a payment system; and 
(b) payment transactions which take place between two accounts held at the same PSP, e.g. on-us transactions, with 
the transaction being settled either on the accounts of the PSP itself, or with the use of an interm ediar y, i.e. 
another PSP or a payment system. 
2. Payment transactions initiated by a resident PSP and execut ed with a specific transaction order , i.e. with the use of a 
payment instr ument, are included as ‘payment transactions involving non-MFIs ’. 
3. Fund transfers between accounts in the same name, and also between diffe rent types of accounts are included 
according to the payment service used. Transfers between diffe rent types of accounts include, for exam ple, transfers 
from a transfe rable deposit to an account holding a non-transfer able deposit. 
4. In relation to bulk payment transactions, each individual payment transaction is count ed. 
5. Payment transactions denominated in foreign currency are included. Data are conver ted into euro using the ECB 
reference exchange rate or exchang e rates applied for these transactions. 
6. Separate repor ting for remot e and non-remot e transactions is indicate d where necessar y. 
7. Payment transactions initiate d by a resident PSP and execut ed without a specific transaction order , i.e. without the use 
of a payment service listed in Annex I to Directive (EU) 2015/2366, by simple book entr y on the account of a non- 
MFI, are included in ‘other services (not included in the Directive (EU) 2015/2366)’ (1). 
8. Payment transactions are repor ted brok en down by the payment service used and by the scheme processing the 
transaction. 
Cross-border transactions 
9. For sent transactions, cross-border transactions are counte d in the countr y in which the transaction originat es. 
10. For received transactions, cross-border transactions are counte d in the countr y in whic h the transaction is received. 
11. For cross-border card-based payment transactions, the residency of the counter part and the location of the POS are 
repor ted together . For card-based payment transactions initiat ed remot ely, sent payment transactions are repor ted to 
identify the countr y of the receiving PSP and the countr y in which the point of sale is locat ed. For card-based 
payment transactions initiated non-remotely , sent payment transactions are repor ted to identify the countr y of the 
receiving PSP and the countr y in whic h the physical term inal is locat ed. Received payment transactions initiate d 
remot ely are repor ted to identify the countr y of the sending PSP and the countr y in which the point of sale is locat ed. 
Received payment transactions initiate d non-remot ely are repor ted to identify the countr y of the sending PSP and the 
countr y in which the physical point of sale is locat ed. 
12. The difference between cross-border transactions sent and cross-border transactions received shows the net inflow or 
outf low of transactions into or out of the repor ting countr y. 
(1)Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the inter nal 
market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing 
Directive 2007/64/EC (OJ L 337, 23.12.2015, p. 35). EN Offi cial Jour nal of the European Union L 999/10                                                                                                                                       11.12.2020   
Flow of funds 
13. The direction of the flow of funds depends on the payment service and the initiation channel used: 
(a) for credit transfer s, money remittances, e-money payments and similar transactions where the payer initiat es the 
transaction, the sending participant is also the sender of funds and the receiving participant the recipient of funds; 
(b) for direct debits, cheques, e-money payments and similar transactions where the payee initiates the transaction, 
the sending participant is the recipient of funds and the receiving participant the sender of funds; 
(c) for card-based payment transactions, although the payee initiat es the transaction, the treatment followe d within 
this Regulation corresponds to that where the payer initiates the transaction. 
Total payment transactions 
14. The indicator ‘total payment transactions involving non-MFIs (sent)’ is the sum of the eight mutually excl usive sub- 
cate gories: ‘credit transfe rs (sent)’, ‘direct debits (sent)’, ‘card-based payment transactions with card-based payment 
instr uments issued by resident PSPs ’, ‘cash withdrawals using card-based payment instr uments’, ‘e-mone y payment 
transactions (sent)’, ‘cheques (sent)’, ‘money remittances (sent)’ and ‘other payment services (sent)’. The indicator ‘total 
payment transactions involving non-MFIs (received)’ is the sum of the seven mutually excl usive sub-categor ies: ‘credit 
transfer s (received)’ , ‘direct debits (received)’ , ‘card-based payment transactions acquired by resident PSPs ’, ‘e-mone y 
payment transactions (received)’, ‘che ques (received)’ , ‘mone y remittances (received)’ and ‘other payment services 
(received)’ . 
Credit transfe rs 
15. Each transaction is allocated to only one sub-categor y, i.e. either ‘initiated in paper -based form’, ‘initiated electronically’ 
or ‘other ’. As the sub-categorie s are mutually excl usive, the total number of credit transfers is the sum of the sub- 
cate gories. The same principle applies to the total value of credit transfer s. 
16. Credit transfer s initiat ed by payment initiation service provid ers (PISPs) are additionally allocated to the sub-categor y 
‘Initiated by PISP’. However , this sub-cate gory does not contr ibut e to the total number , or total value of credit 
transfer s. 
17. Credit transfers repor ted under ‘initiated electronically’ are further split into ‘initiated in a file/batch’ and ‘initiated on a 
sing le payment basis’. As the sub-categor ies are mutually excl usive, the total number of credit transfer s initiated 
electronically is the sum of the sub-cate gories. The same principle applies to the total value of credit transfers 
initiat ed electronically . 
18. Credit transfers repor ted under ‘initiated on a sing le payment basis ’ are further brok en down by ‘ATM or other PSP 
terminal’, ‘mobile payment solution’ and ‘online banking based credit transfers’. ‘ATM or other PSP term inal’ only 
includes non-remot ely initiate d credit transfers while ‘mobile payment solution’ and ‘online banking based credit 
transfer s’ only include remot ely initiated credit transfers . As the sub-categorie s are mutually exclusive, the tota l 
number of credit transfe rs is the sum of the sub-cate gories. The same principle applies to the total value of credit 
transfer s. 
19. ‘E-commerce payments ’ is a sub-categor y of ‘online banking based credit transfers’. 
20. ‘P2P mobile payment solution’ is a sub-categor y of ‘mobile payment solution’ . 
21. Transactions involving cash at one or both ends of the payment transaction, and using a credit transfe r payment 
service, are also included as credit transfer s. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/11   
22. Credit transfers used to settle outstanding balances of transactions using credit, debit or dela yed debit cards are also 
included. 
23. Credit transfe rs include all Sing le Euro Payments Area (SEP A) credit transfer s as well as non-SEP A transactions. Credit 
transfer s initiat ed electronically are repor ted separately for each scheme. 
24. Credit transfer s initiated electronically are further split into credit transfers initiate d remotely and credit transfe rs 
initiat ed non-remot ely. Within these breakdowns, transactions are repor ted by sche me and for each sche me, they are 
further broken down by authentication channel, i.e. ‘authenticate d via strong customer authentication (SCA)’ or 
‘authenticat ed via non-SCA ’. As the sub-categor ies are mutually exclusive, the tota l number of credit transfe rs by 
credit transfer sche me is the sum of the sub-categor ies. The same principle applies to the value of transactions. 
25. For transactions authenticate d via non-SCA, the reasons for using non-SCA are repor ted (i.e. ‘low value’, ‘contactless 
low value’, ‘payment to self’, ‘truste d benefi ciaries’, ‘recur ring transaction’, ‘unatt ended term inals for transpor t fares or 
parking fees’, ‘secure corporate payment processes and protocols’ and ‘transaction risk analysis ’). Where more than 
one exem ption might be applicable the exem ption that was applied is the one that should be repor ted. The sub- 
cate gories are mutually excl usive. The same principle applies to the value of transactions. Howe ver, the reasons for 
using non-SCA are not repor ted broke n down by payment scheme but are brok en down by remot ely and non- 
remot ely initiate d credit transfe rs only . 
26. The number of transactions broke n down by credit transfer schemes is equal to the total number of credit transfers 
initiat ed electronically . Transactions are repor ted for each scheme, national and intern ational (e.g. SEPA credit transfe r 
sche me or SEPA instant credit transfer scheme) separate ly. The same principle applies to the value of credit transfer s. 
27. The sub-categor ies ‘initiated in a file/batc h’, ‘initiated on a sing le payment basis ’ and ‘other ’ contain all SEPA and non- 
SEPA transactions. 
28. Domestic transactions sent, cross-border transactions sent, domestic transactions received and cross-border 
transactions received contain both SEPA and non-SEP A transactions. 
29. Cash payments to an account using a bank form are not included under credit transfers. 
Direct debits 
30. Both one-off and recur rent direct debits are included. In the case of recur rent direct debits, each individual payment is 
count ed as one transaction. 
31. Direct debits used to settle outstanding balances resulting from transactions using credit, debit or dela yed debit cards 
are included, as these are separate payments from the cardholder to the card issuer . 
32. Direct debits are further split into ‘initiated in a file/ batch’ and ‘initiated on a sing le payment basis’. As the sub- 
cate gories are mutually excl usive, the tota l number of direct debits is the sum of the sub-cat egor ies. The same 
principle applies to the total value of direct debits. 
33. The sub-categor ies ‘initiate d in a file/ batch’ and ‘initiated on a sing le payment basis’ contain all SEPA and non-SEP A 
transactions. 
34. Direct debit transactions are further split into ‘consent given via an electronic mandate’ and ‘consent given in other 
forms’. The sub-categorie s are mutually excl usive. Their sum equals the total number of direct debits. The same 
principle applies to the value of direct debits. EN Offi cial Jour nal of the European Union L 999/12                                                                                                                                       11.12.2020   
35. Within each channel used to give consent, transactions are repor ted for each scheme, national and international (e.g. 
SEPA direct debit core or SEPA direct debit business-t o-business sche me) separately . 
36. Cash payments from an account using a bank form are not included under direct debits. 
Card-based payment transactions 
37. Card-based payment transactions with card-based payment instr uments issued by resident PSPs or acquired by 
resident PSPs (except cards with an e-money function only) are repor ted, regardless of the location of the payment 
brand under which the card-based payment transaction has been made. 
38. Sent card-based payment transactions are repor ted by the issuing PSP while received card-based payment transactions 
are repor ted by the acquir ing PSP. 
39. ‘Payment transactions involving non-MFIs’ also includes data on card-based payment transactions at virtual points of 
sale, e.g. over the internet or the telephone. 
40. Card-based payment transactions are also split into: ‘initiated electronically’ and ‘initiated non-electronically’ . As the 
initiation channels are mutually excl usive, the total number of card-based payment transactions is the sum of the 
initiation channels. The same principle applies to the total value of card-based payment transactions. 
41. ‘Initiated electronically’ is further broke n down into ‘mobile payment solution’, ‘initiated at a physical EFTPOS’, 
‘initiated at an ATM’ and ‘others’. ‘Initiated at a physical EFTPOS’ and ‘initiate d at an ATM’ only include non-remot ely 
initiat ed card-based payment transactions while ‘mobile payment solution’ only includes remot ely initiat ed card- 
based payment transactions. The breakdown ‘others’ can include either remot ely or non-remot ely initiat ed card-based 
payment transactions. The sub-cha nnels are mutually exclusive. The same principle applies to the total value of card- 
based payment transactions ‘initiated electronically’. 
42. Card-based payment transactions initiate d non-electronically and those initiated electronically are further brok en 
down between remot e and non-remote initiation channels and within each, for card-based payment transactions 
initiat ed electronically , the number of card-based payment transactions should be repor ted for each PCS, national and 
international (e.g. VISA or MasterCard) separate ly. The same principle applies to the value of transactions. 
43. Within each PCS, transactions are brok en down by card function (i.e. debit, dela yed debit and credit) and by 
‘authenticat ed via SCA ’ and ‘authenticate d via non-SCA ’. The total number of card-based payment transactions 
‘processed by payment card scheme’ is the sum of the different, mutually exclusive, card functions, whic h is also 
equal to the sum of those transactions authenticated via SCA and via non-SCA . The same principle applies to the 
value of transactions. 
44. The number of sent transactions broke n down by PCS is equal to the total number of card-based payment transactions 
with cards issued by resident PSPs initiat ed electronically . The same principle applies to the value of transactions and 
to card-based payment transactions acquired by resident PSPs (received). 
45. For transactions authenticate d via non-SCA, the reasons for using non-SCA are repor ted (i.e. ‘low value’, ‘contactless 
low value’, ‘trusted beneficiar ies’, ‘recur ring transaction’, ‘unatt ended terminals for transpor t fares or parking fees’, 
‘secure corporat e payment processes and prot ocols’ ‘transaction risk analysis ’, ‘merchant initiat ed transactions’, and 
‘other ’). In cases where more than one exem ption might be applicable, the exemption that was applied is the one that 
should be repor ted. The reasons for non-SCA are mutually excl usive. The same principle applies to the value of 
transactions. However , the reasons for using non-SCA are not repor ted broken down by PCS and are instead broke n 
down by remot ely and non-remot ely initiate d electronic card payments only . EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/13   
46. Card-based payment transactions with card-based payment instr uments issued by resident PSPs that only have an e- 
mone y function are not included. 
Cash withdrawals using card-based payment instr uments (exce pt e-money transactions) 
47. Cash withdra wals using card-based payment instr uments issued by resident PSPs (excep t e-money transactions) and 
repor ted by the card issuer are included in this catego ry. 
48. The number of withdra wals should be repor ted for each PCS, national and internati onal (e.g. VISA or MasterC ard) 
separate ly. Each PCS is further broken down by card function (i.e. debit, dela yed debit and credit). The same principle 
applies to the value of transactions. 
E-money payment transactions 
49. Each transaction is allocat ed to only one sub-cat egor y, i.e. ‘with cards on which e-money can be stored directly’ or 
‘with e-money accounts’. As the sub-categorie s are mutually exclusive, the total number of e-money payment 
transactions is the sum of the sub-cate gories. The same principle applies to the total value of e-money payment 
transactions. 
50. Each transaction allocated to the sub-category ‘with e-money accounts’ is allocated additionally to only one of the sub- 
cate gories ‘accessed through a card’, ‘mobile payment solution’ and ‘others’. As the sub-categor ies are mutually 
excl usive, the total number of e-money payment transactions ‘with e-money accounts’ is the sum of the sub- 
cate gories. The same principle applies to the total value of e-money payment transactions. 
51. ‘P2P mobile payment solution’ is a sub-categor y of ‘mobile payment solution’ . 
52. E-mone y payment transactions are brok en down by remot e and non-remot e initiation channels and within each 
cate gory by ‘authenticated via SCA ’ and ‘authenticated via non-SCA ’. As the sub-categor ies are mutually excl usive, the 
total number of ‘e-money payment transactions’ is the sum of the sub-categor ies. The same principle applies to the 
value of transactions. 
53. Transactions repor ted under ‘authenticate d via non-SCA ’ are further split into the reasons for non-SCA (i.e. ‘low value’, 
‘contactless low value’, ‘trusted benefi ciaries’, ‘recur ring transaction’, ‘unatt ended term inals for transpor t or parking 
fares’, ‘use of secure corporat e payment processes or protocols’ , ‘payment to self’, ‘transaction risk analysis ’, ‘merchant 
initiat ed transactions’ and ‘other ’). In cases where more than one exem ption might be applicable, the exem ption that 
was applied is the one that should be repor ted. As the reasons for non-SCA are mutually excl usive, the total number 
of ‘authenticat ed via non-SCA ’ is the sum of those reasons. The same applies for the value of transactions. 
Cheques 
54. Sent and received cheques are repor ted. Sent cheques are repor ted by the payee’s PSP, received cheques are repor ted by 
the payer’s PSP. 
55. Cash withdrawals with cheques are included. 
56. Cash withdrawals using bank forms are not included. 
57. Cheques issued but not submitte d for clear ing are not included. 
Money remittances 
58. Sent mone y remittances are repor ted by the payer’s PSPs, received mone y remittances are repor ted by the payee’s PSP. EN Offi cial Jour nal of the European Union L 999/14                                                                                                                                       11.12.2020   
59. Transactions which are linked to the payment account of either the payer or the payee are excl uded from money 
remittances. Such transactions are repor ted under the respective payment instr ument used. 
Other payment services 
60. Sent and received transactions are repor ted. 
61. Includes transactions using payments services listed in Annex I to Directive (EU) 2015/2366 but which cannot be 
assigned to any of the payment services listed in this Regulation. Theref ore, this breakdown includes ‘OTC cash 
withdra wals ’ and ‘OTC cash deposits’. ‘OTC cash withdra wals ’ are included as sent other payment services, while 
‘OTC cash deposits’ are included as received other payment services. 
Payment initiation services 
62. Transactions initiat ed via payment initiation services are repor ted by PISPs and are broke n down by remot e and non- 
remot e initiation channel and within each catego ry by ‘authenticat ed via SCA ’ and ‘authenticat ed via non-SCA ’. As the 
sub-cate gories are mutually exclusive, the total number of ‘payment initiation services ’ is the sum of the sub- 
cate gories. The same applies for the value of transactions. 
63. Each transaction is allocat ed to only one sub-category , i.e. ‘credit transfers’ and ‘others’. As the sub-categorie s are 
mutually exclusive, the total number of ‘payment initiation services’ is the sum of the sub-categor ies. The same 
principle applies to the total value of transactions. 
64. Those transactions are not included in the ‘Total payment transactions involving non-MFIs’ as they are also included in 
the respective payment instr ument used for the transaction. 
Other services (not included in the Directive (EU) 2015/2366) 
65. Includes the sub-cate gories ‘Credits to the accounts by simple book entr y’ and ‘debits from the accounts by simple 
book entr y’ and ‘Others’. As the sub-cate gories are mutually excl usive, the total number of ‘Other services (not 
included in the Directive (EU) 2015/2366)’ is the sum of the sub-cate gories. The same applies for the value of 
transactions. 
66. Only transactions without a specifi c transaction order and execut ed by simp le book entr y to/from the account of a 
custome r, i.e. without the use of a traditional payment service are included in the sub-categorie s ‘credits to the 
accounts by simple book entr y’ and ‘debits from the accounts by simp le book entr y’. 
Part 2.3.2 Payment transactions involving non-MFIs reported by those reporting agen ts granted derogation pursuant to Article 4(2) 
and (3) (Table 4b) 
1. Payment transactions are initiated by non-MFIs to any counter party or by PSPs if the counter party is a non-MFI. This 
includes: 
(a) payment transactions which take place between two accounts held at differ ent PSPs and whic h are executed with 
the use of an intermediar y, i.e. where payments are sent to another PSP or to a payment system; and 
(b) payment transactions which take place between two accounts held at the same PSP, e.g. on-us transactions, with 
the transaction being settled either on the accounts of the PSP itself, or with the use of an interm ediar y, i.e. 
another PSP or a payment system. 
2. Payment transactions initiated by a resident PSP and execut ed with a specific transaction order , i.e. with the use of a 
payment instr ument, are included as ‘payment transactions involving non-MFIs’. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/15   
3. Fund transfers between accounts in the same name, and also between diffe rent types of accounts are included 
according to the payment service used. Transfers between diffe rent types of accounts include, for exam ple, transfers 
from a transfe rable deposit to an account holding a non-transfer able deposit. 
4. In relation to bulk payment transactions, each individual payment transaction is count ed. 
5. Payment transactions denominated in foreign currency are included. Data are conver ted into euro using the ECB 
reference exchange rate or exchang e rates applied for these transactions. 
6. Separate repor ting for remot e and non-remot e transactions is indicate d where necessar y. 
7. Payment transactions are repor ted by the payment service used. 
Cross-border transactions 
8. For sent transactions, cross-border transactions are counte d in the countr y in which the transaction originat es. 
9. For received transactions, cross-border transactions are counte d in the countr y in whic h the transaction is received. 
10. For cross-border card-based payment transactions, the residency of the counter part and the location of the POS are 
repor ted together . For card-based payment transactions initiat ed remot ely, sent payment transactions are repor ted to 
identify the countr y of the receiving PSP and the countr y in which the point of sale is locat ed. For card-based 
payment transactions initiated non-remotely , sent payment transactions are repor ted to identify the countr y of the 
receiving PSP and the countr y in whic h the physical term inal is locat ed. Received payment transactions initiate d 
remot ely are repor ted to identify the countr y of the sending PSP and the countr y in which the point of sale is locat ed. 
Received payment transactions initiate d non-remot ely are repor ted to identify the countr y of the sending PSP and the 
countr y in which the physical point of sale is locat ed. 
11. The difference between cross-border transactions sent and cross-border transactions received shows the net inflow or 
outf low of transactions into or out of the repor ting countr y. 
Flow of funds 
12. The direction of the flow of funds depends on the payment service and the initiation channel used: 
(a) for credit transfer s, money remittances, e-money payments and similar transactions where the payer initiat es the 
transaction, the sending participant is also the sender of funds, and the receiving participant the recipient of funds; 
(b) for direct debits, e-money payments and similar transactions where the payee initiate s the transaction, the sending 
participant is the recipient of funds and the receiving participant the sender of funds; 
(c) for card-based payment transactions, although the payee initiat es the transaction, the treatment followe d within 
this Regulation corresponds to that where the payer initiates the transaction. 
Credit transfe rs 
13. Each transaction is allocated to only one sub-categor y, i.e. either ‘initiated in paper -based form’ or ‘initiated 
electronically’ . As the sub-categor ies are mutually exclusive, the total number of credit transfers is the sum of the sub- 
cate gories. The same principle applies to the total value of credit transfer s. EN Offi cial Jour nal of the European Union L 999/16                                                                                                                                       11.12.2020   
14. Credit transfer s initiat ed by payment initiation service provid ers (PISPs) are additionally allocated to the sub-categor y 
‘Initiated by PISP’. However , this sub-cate gory does not contr ibut e to the total number , or total value of credit 
transfer s. 
15. Transactions involving cash at one or both ends of the payment transaction, and using a credit transfe r payment 
service, are also included as credit transfer s. 
16. Credit transfers used to settle outstanding balances of transactions using cards with a credit or dela yed debit function 
are also included. 
17. Credit transfer s include all Sing le Euro Payments Area (SEP A) credit transfe rs as well as non-SEP A transactions. 
18. Credit transfers initiat ed electronically are further broken down by remote and non-remote initiation channel and 
within each cate gory by ‘authenticate d by strong custome r authentication (SCA) ’ or ‘authenticate d via non-SCA ’. As 
the sub-categor ies are mutually excl usive, the total number of credit transfers is the sum of the sub-cate gories. The 
same principle applies to the value of transactions. 
19. Credit transfers repor ted under ‘authenticated via non-SCA ’ are further split into the reasons for using non-SCA (i.e. 
‘low value’, ‘contactless low value’, ‘payment to self’, ‘trusted beneficiar ies’, ‘recur ring transaction’, ‘unatt ended 
terminals for transpor t fares or parking fees’, ‘secure corporate payment processes and protocols’ and ‘transaction 
risk analysis’). In cases where more than one exem ption might be applicable the exem ption that was applied is the 
one that should be repor ted. As the sub-categories are mutually excl usive, the tota l number of ‘authenticat ed via non- 
SCA ’ is the sum of the sub-categories. The same principle applies to the value of transactions. 
20. Domestic transactions sent, cross-border transactions sent and cross-border transactions received contain both SEPA 
and non-SEP A transactions. 
21. Cash payments to an account using a bank form are not included under credit transfers. 
Direct debits 
22. Both one-off and recur rent direct debits are included. In the case of recur rent direct debits, each individual payment is 
count ed as one transaction. 
23. Direct debits used to settle outstanding balances resulting from transactions using credit, debit or dela yed debit cards 
are included, as these are separate payments from the cardholder to the card issuer . 
24. Direct debits include all SEPA direct debits as well as non-SEP A direct debits. 
25. Direct debit transactions are split into ‘consent given via an electronic mandate’ and ‘consent given in other forms’. 
The sub-categorie s are mutually exclusive. Their sum equals the total number of direct debits. The same principle 
applies to the value of direct debits. 
26. Cash payments from an account using a bank form are not included under direct debits. 
Card-based payment transactions 
27. Card-based payment transactions with card-based payment instr uments issued by resident PSPs or acquired by 
resident PSPs (except cards with an e-money function only) are repor ted, regardless of the location of the payment 
brand under which the payment transaction has been made. 
28. Sent card-based payment transactions are repor ted by the issuing PSP while received card-based payment transactions 
are repor ted by the acquir ing PSP. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/17   
29. ‘Payment transactions involving non-MFIs’ includes data on card-based payment transactions at virtual points of sale, 
e.g. over the internet or the telephone. 
30. Card-based payment transactions with card-based payment instr uments are also split into: ‘initiated electronically’ and 
‘initiated non-electronically’. As the initiation channels are mutually excl usive, the total number of card-based 
payment transactions is the sum of the initiation channels. The same principle applies to the total value transactions. 
31. Card-based payment transactions initiate d electronically are further broken down by remot e and non-remot e 
initiation channels and within each the number of card-based payment transactions should be repor ted by card 
function (i.e. debit, dela yed debit and credit) and by ‘authenticat ed via SCA ’ and ‘authenticat ed via non-SCA ’. The total 
number of card-based payment transactions ‘initiated electronically’ is the sum of the diffe rent, mutually excl usive, 
card functions, which is also equal to the sum of those transactions authenticated via SCA and via non-SCA . The 
same principle applies to the value of transactions. 
32. For transactions ‘authenticated via non-SCA ’, the reasons for using non-SCA are repor ted (i.e. ‘low value’, ‘contactless 
low value’, ‘trusted beneficiar ies’, ‘recur ring transaction’, ‘unatt ended terminals for transpor t fares or parking fees’, 
‘secure corporat e payment processes and prot ocols’, ‘transaction risk analysis ’, ‘merchant initiated transactions’ and 
‘other ’). In cases where more than one exem ption might be applicable, the exemption that was applied is the one that 
should be repor ted. As the reasons for non-SCA are mutually excl usive, the total number of ‘authenticat ed via non- 
SCA ’ is the sum of those reasons. The same principle applies to the value of transactions. 
33. Card-based payment transactions with card-based payment instr uments issued by resident PSP that only have an e- 
mone y function are not included. 
Cash withdrawals using card-based payment instr uments (exce pt e-money transactions) 
34. Cash withdra wals using card-based payment instr uments issued by resident PSPs (excep t e-money transactions) and 
repor ted by the card issuer are included in this catego ry. 
35. The number of withdra wals should be repor ted for each card function (i.e. debit, dela yed debit and credit). The same 
principle applies to the value of transactions. 
E-money payment transactions 
36. E-mone y payment transactions are broke n down by remot e and non-remot e initiation channel and within each by 
‘authenticat ed via SCA ’ and ‘authenticat ed via non-SCA ’. As the sub-categor ies are mutually exclusive, the total 
number of ‘e-money payment transactions’ is the sum of the sub-cate gories. The same principle applies to the value 
of transactions. 
37. Transactions repor ted under ‘authenticat ed via non-SCA ’ are further split into the reasons for using non-SCA (i.e. ‘low 
value’, ‘contactless low value’, ‘trusted beneficiar ies’, ‘recur ring transaction’, ‘unattende d term inals for transpor t fares 
or parking fees’, ‘use of secure corporate payment processes or protocols’ , ‘payment to self’, ‘transaction risk analysis ’, 
‘merch ant initiat ed transactions’ and ‘other ’). In cases where more than one exem ption might be applicable, the 
exem ption that was applied is the one that should be repor ted. As the reasons for non-SCA are mutually excl usive, 
the total number of ‘authenticat ed via non-SCA ’ is the sum of those reasons. The same applies for the value of 
transactions. 
Money remittances 
38. Sent mone y remittances are repor ted by the payer’s PSPs. EN Offi cial Jour nal of the European Union L 999/18                                                                                                                                       11.12.2020   
39. Transactions which are linked to the payment account of either the payer or the payee are excl uded from money 
remittances. Such transactions are repor ted under the respective payment instr ument used. 
Payment initiation services 
40. Transactions initiat ed via payment initiation services are broken down by remot e and non-remot e initiation channel 
and within each catego ry by ‘authenticate d via SCA ’ and ‘authenticat ed via non-SCA ’. As the sub-categor ies are 
mutually exclusive, the total number of ‘payment initiation services’ is the sum of the sub-categor ies. The same 
applies for the value of transactions. 
41. Each transaction is allocat ed to only one sub-category , i.e. ‘credit transfers’ and ‘other ’. As the sub-cate gories are 
mutually exclusive, the total number of ‘payment initiation services’ is the sum of the sub-categor ies. The same 
principle applies to the total value of transactions. 
42. Those transactions are not included in the ‘Total payment transactions involving non-MFIs’ as they are also included in 
the respective payment instr ument used for the transaction. 
Part 2.4 Fraudulent pay ment transactions involving non-MFIs (Tables 5a and 5b) 
Part 2.4.1 Frau dulent payment transactions involving non-MFIs (Table 5a) 
1. Points 1 to 66 of Part 2.3.1 apply to the fraudulent transactions repor ted in Table 5a. However , received fraudulent 
payment transactions, excep t for acquired card-based payment transactions, are not included. 
2. The payment service provid er should repor t all fraudulent payment transactions from the time fraud has been 
detected , through a customer compl aint or other means, regardl ess of whether or not the case relat ed to the 
fraudulent payment transaction has been resolved by the time the data are repor ted. 
3. Besides the breakdowns explained in Part 2.3.1, ‘losses due to fraud per liability bearer ’ is to be repor ted for fraudulent 
credit transfer s, fraudulent direct debits, fraudulent card-based payment transactions with card-based payment 
instr uments issued by resident PSP (except cards with an e-money function only) fraudulent cash withdrawals using 
card-based payment instr uments (excep t e-money transactions) and for fraudulent e-money transactions with e- 
mone y issued by resident PSPs. 
4. ‘Losses due to fraud per liability bearer ’ is further split into ‘the repor ting PSP’, ‘the PSU of the repor ting PSP’ and 
‘others’. As the sub-categor ies are mutually excl usive, the total value of ‘losses due to fraud per liability bearer ’ is the 
sum of those sub-categor ies. 
5. ‘Losses due to fraud per liability bearer ’ is repor ted by the PSP that repor ts the fraudulent payment transaction and is 
only repor ted for the value of fraudulent payment transactions. Further more, the item is only repor ted for sent 
transactions. 
6. The sum of ‘losses due to fraud per liability bearer ’ is not equal to the total value of fraudulent transactions. 
Fraudulent credit transfe rs 
7. Fraudulent credit transfer s initiated electronically are further split into the fraud origin (i.e. ‘issuance of a payment 
order by the fraudst er’, ‘modification of a payment order by the fraudster ’ and ‘manipulation of the payer by the 
fraudst er to issue a payment order ’). 
8. The fraud origin is repor ted for each credit transfer sche me and further broken down by ‘authenticat ed via SCA ’ and 
those ‘authenticat ed via non-SCA ’ within that categor y. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/19   
9. For each breakdown , the fraud origins are mutually excl usive. Theref ore, the total number of fraudulent credit 
transfer s broken down by credit transfer schem es equals the sum of the differ ent fraud origins. The same principle 
applies to the value of transactions. 
Fraudulent direct debits 
10. Fraudulent direct debits are further split into the fraud origins (i.e. ‘unauthor ised payment transaction’ and 
‘manipulation of the payer’). 
11. The fraud origin is repor ted for each direct debit sche me and within the sche me broken down by ‘consent given via an 
electronic mandat e’ and ‘consent given in other forms’. 
12. For each breakdown , the fraud origins are mutually excl usive. Theref ore, the total number of fraudulent direct debits 
brok en down by direct debit scheme equals the sum of the diffe rent fraud origins. The same principle applies to the 
value of transactions. 
Fraudulent card-based payment transactions 
13. Fraudulent card-based payment transactions are further split into fraud origins (i.e. ‘modif ication of a payment order 
by the fraudst er’, ‘manipulation of the payer to make a card payment’, and ‘issuance of a payment order by the 
fraudst er’ which is further broken down by ‘lost or stolen card’, ‘card not received’, ‘counterfeit card’ , ‘card details 
thef t’ and ‘others’ ). 
14. The fraud origins are repor ted for each PCS broken down by ‘authenticat ed via SCA ’ or ‘authenticated via non-SCA ’ 
15. For each breakdown, the fraud origins are mutually excl usive. Theref ore, the total number of fraudulent card-based 
payment transactions by PCS equals the sum of the diffe rent fraud origins. The same principle applies to the value of 
transactions. 
Fraudulent cash withdrawals using card-based payment instr uments (excep t e-money 
transactions) 
16. Fraudulent cash withdra wals are further split into fraud origins (i.e. ‘manipulation of the payer to mak e a cash 
withdra wal’, and ‘issuance of a payment order by the fraudster ’ whic h is further brok en down by ‘lost or stolen card’, 
‘card not received’, ‘counterf eit card’ and ‘other ’). The fraud origins that are repor ted for each PCS are mutually 
excl usive. Theref ore, the total number of fraudulent cash withdra wals by PCS equals the sum of the different fraud 
origins. The same principle applies to the value of transactions. 
Fraudulent e-mone y payment transactions 
17. Fraudulent e-money payment transactions are further split into fraud origins (i.e. ‘modification of a payment order by 
the fraudster ’, ‘manipulation of the payer to make an e-money payment’, and ‘issuance of a payment order by the 
fraudst er’ which is further brok en down by ‘lost or stolen e-money card’, ‘e-money card not received’, ‘counterfe it e- 
mone y card’, ‘card details thef t’ and ‘unauthor ised e-money account transaction’). 
18. The fraud origins are repor ted for remot ely and non-remot ely initiated e-money payment transactions and within each 
cate gory by ‘authenticate d via SCA ’ or ‘authenticat ed via non-SCA ’. 
19. For each breakdown , the fraud origins are mutually excl usive. Theref ore, the total number of fraudulent e-money 
payment transactions equals the sum of the differ ent fraud origins. The same principle applies to the value of 
transactions. EN Offi cial Jour nal of the European Union L 999/20                                                                                                                                       11.12.2020   
Part 2.4.2 Frau dulent payment transactions involving non-MFIs reported by those reporti ng agen ts granted a derogation pursuant to 
Article 4(2) and 4(3) (Table 5b) 
1. Points 1 to 42 of Part 2.3.2 apply to the fraudulent transactions repor ted in Table 5b. 
2. The payment service provid er should repor t all fraudulent payment transactions from the time fraud has been 
detected , such as through a custome r complaint or other means, regardl ess of whether or not the case relat ed to the 
fraudulent payment transaction has been closed by the time the data are repor ted.). 
3. Besides the breakdowns explained in Part 2.3.2, ‘losses due to fraud per liability bearer ’ is to be repor ted for fraudulent 
credit transfer s, fraudulent direct debits, fraudulent card-based payment transactions with card-based payment 
instr uments issued by resident PSP (except cards with an e-money function only), fraudulent cash withdra wals using 
card-based payment instr uments (excep t e-money transactions) and for fraudulent e-money transactions with e- 
mone y issued by resident PSPs. 
4. ‘Losses due to fraud per liability bearer ’ is further split into ‘the repor ting PSP’, ‘the PSU of the repor ting PSP’ and 
‘others’. As the sub-categor ies are mutually excl usive, the total value of ‘losses due to fraud per liability bearer ’ is the 
sum of those sub-categor ies. 
5. ‘Losses due to fraud per liability bearer ’ is repor ted by the PSP that repor ts the fraudulent payment transaction and is 
only repor ted for the value of fraudulent transactions. Further more, the item is only repor ted for sent transactions. 
6. The sum of ‘losses due to fraud per liability bearer ’ is not equal to the total value of fraudulent transactions. 
Fraudulent credit transfe rs 
7. Fraudulent credit transfer s are further split into the fraud origin (i.e. ‘issuance of a payment order by the fraudster ’, 
‘modification of a payment order by the fraudster ’ and ‘manipulation of the payer by the fraudster to issue a payment 
order ’). 
8. The fraud origin is repor ted broken down by ‘authenticat ed via SCA ’ and ‘authenticat ed via non-SCA ’. 
9. For each breakdown , the fraud origins are mutually excl usive. Theref ore, the total number of fraudulent credit 
transfer s equals the sum of the differ ent fraud origins. The same principle applies to the value of transactions. 
Fraudulent direct debits 
10. Fraudulent direct debits are further split into the fraud origin (i.e. ‘unauthor ised payment transaction’ and 
‘manipulation of the payer’). 
11. The fraud origin is repor ted broken down by ‘consent given via an electronic mandat e’ and ‘consent given in other 
forms’. 
12. For each breakdown , the fraud origins are mutually excl usive. Theref ore, the total number of fraudulent direct debits 
equals the sum of the differ ent fraud origins. The same principle applies to the value of transactions. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/21   
Fraudulent card-based payment transactions 
13. Fraudulent card-based payment transactions are further split into fraud origins (i.e. ‘modif ication of a payment order 
by the fraudst er’, ‘manipulation of the payer to make a card-based payment transaction’, and ‘issuance of a payment 
order by the fraudster ’, whic h is further brok en down by ‘lost or stolen card’, ‘card not received’, ‘counterf eit card’, 
‘card details thef t’ and ‘others’). 
14. The fraud origins are repor ted broke n down by ‘authenticat ed via SCA ’ or ‘authenticate d via non-SCA ’ 
15. For each breakdown, the fraud origins are mutually excl usive. Theref ore, the total number of fraudulent card-based 
payment transactions equals the sum of the differ ent fraud origins. The same principle applies to the value of 
transactions. 
Fraudulent cash withdrawals using card-based payment instr uments (excep t e-money 
transactions) 
16. Fraudulent cash withdra wals are further split into fraud origins (i.e. ‘manipulation of the payer to mak e a cash 
withdra wal’ and ‘issuance of a payment order by the fraudst er’ which is further brok en down by ‘lost or stolen card’, 
‘card not received’, ‘counterfeit card’ and ‘other ’). 
17. The fraud origins are repor ted broke n down by ‘authenticat ed via SCA ’ or ‘authenticate d via non-SCA ’. 
18. For each breakdown , the fraud origins are mutually exclusive. Theref ore, the total number of fraudulent cash 
withdra wals equals the sum of the differ ent fraud origins. The same principle applies to the value of transactions. 
Fraudulent e-mone y payment transactions 
19. Fraudulent e-money payment transactions are further split into fraud origins (i.e. ‘modification of a payment order by 
the fraudster ’, ‘manipulation of the payer to make an e-money payment’ and ‘issuance of a payment order by the 
fraudst er’, whic h is further broken down by ‘lost or stolen e-money card’, ‘e-money card not received’, ‘counterfeit e- 
mone y card’, ‘card details thef t’ and ‘unauthor ised e-money account transaction’). 
20. The fraud origins are repor ted broke n down by ‘authenticat ed via SCA ’ or ‘authenticate d via non-SCA ’. 
21. For each breakdown , the fraud origins are mutually excl usive. Theref ore, the total number of fraudulent e-money 
payment transactions equals the sum of the differ ent fraud origins. The same principle applies to the value of 
transactions. 
Part 2.5 Payment transactions per type of terminal involving non-MFIs (Table 6) 
1. All indicators in this table refer to cash or cashless payment transactions performed at a physical (not virtual) terminal. 
2. Resident PSPs provide information on all payment transactions they acquire at term inals. 
3. Resident PSPs provide information on all payment transactions, with cards issued by the PSPs, at term inals at which 
transactions are acquired by non-resident PSPs. 
4. Payment transactions at terminals at whic h transactions are acquired by branches or subsidiar ies of the PSP abroad are 
not repor ted by the parent PSP. EN Offi cial Jour nal of the European Union L 999/22                                                                                                                                       11.12.2020   
5. Transactions by type of term inal are brok en down into three different catego ries based on the residency of the PSP. 
Categor ies in points (a) and (b) below are counte d on the acquir ing side and the categor y in point (c) below is counte d 
on the issuing side: 
(a) payment transactions at term inals at whic h transactions are acquired by resident PSPs with cards issued by 
resident PSPs; 
(b) payment transactions at term inals at which transactions are acquired by resident PSPs with cards issued by non- 
resident PSPs; 
(c) payment transactions at terminals at whic h transactions are acquired by non-resident PSPs with cards issued by 
resident PSPs. 
6. The sub-categor ies within each categor y (a), (b) and (c) mentioned in point 5 should not be added up. 
7. In this table, the geographical breakdown is based on the location of the term inal. 
8. ‘E-money payment transactions with cards with an e-money function’ include both, transactions with cards on whic h 
e-money can be stored directly and with cards whic h give access to e-money stored on e-money accounts. 
9. For ‘Cash advances at POS term inals ’ for which it is not possible to distinguish data on cash advances at POS term inals, 
these are repor ted as ‘POS transactions’. 
10. ‘Over the counter (OTC) cash deposit ’ includes cash deposited into a PSP’s day or night deposit box for crediting to an 
account at the PSP. These transactions do not represent payments in the strict sense, comprising only a change from 
cash to account mone y. 
11. ‘OTC cash withdrawal’ transactions do not represent payments in the strict sense, compr ising only a change from 
account mone y to cash. 
Part 2.6 Participation in selected payment systems (Table 7) 
1. This table refers to number , type and institutional sector of participants in a payment system (irrespective of their 
location) and is repor ted by the payment syste m operat or. 
2. The indicator ‘number of participants’ is the sum of the two mutually excl usive sub-cate gories ‘direct participants ’ and 
‘indirect participants’. 
3. The indicator ‘direct participants ’ is the sum of the three mutually excl usive sub-cate gories ‘credit institutions’, ‘central 
bank’ and ‘other direct participants ’. 
4. The indicator ‘other direct participants’ is the sum of the four mutually excl usive sub-categor ies ‘public 
administration’ , ‘clear ing and settlement organisations’, ‘other financial institutions ’ and ‘others’. 
Part 2.7 Payments processed by selected payment systems (Table 8) 
1. This table refers to payment transactions processed through a payment syste m brok en down between large value and 
retail payments systems and is repor ted by the payment system operator . 
2. Payment transactions of a PSP on its own account are repor ted in the relevant indicators in this table. 
3. In the case of a payment system, in whic h another payment syste m, e.g. an ancillar y payment system, settles its 
positions, then the followi ng principles apply: 
(a) the system of settlement repor ts the actual number of settlement operations and the actual amount settled; EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/23   
(b) where payment transactions are cleared outside the payment syste m and only net positions are settled via the 
payment system, only the transactions for the settlement of net positions are counted, and these are allocat ed to 
the payment service used for the settlement transaction. 
4. Each payment transaction is counte d only once on the sending participant ’s side, i.e. the debiting of the payer’s 
account and the crediting of the payee’s account are not counte d separately . Refer to the section on flow of funds in 
Part 2.3 above. 
5. For multiple credit transfers, i.e. bulk payments, each item of the payment is counte d. 
6. In the case of netting syste ms, it is the gross number and value of payment transactions that is repor ted, and not the 
result after netting. 
7. Payment systems distinguish and repor t domestic and cross-border transactions according to the residency of the 
sending and receiving participants. The classif ication ‘domestic transactions’ or ‘cross-border transactions’ reflects the 
location of the parties involved. 
8. To avoid double-counting, cross-border transactions are count ed in the countr y in which the transaction originates. 
9. Transactions initiate d at ATM are repor ted in the breakdown of the respective payment service used. 
10. The indicator ‘card-based payment instr uments’ includes all payment transactions processed in the payment system , 
irrespective of where the card-based payment instr ument was issued or used. 
11. Cancelled payment transactions are excluded. Transactions that are later subject to a rejection transaction are included. 
Part 2.8 Quar terly repor ting of payment transactions involving non-MFIs (Table 9) 
1. Points 1 to 66 of Part 2.3.1 apply to the transactions repor ted in Table 9, with the excep tion of point 11. For Table 9 
cross-border card-based payment transactions initiate d remot ely are repor ted to identify the countr y in whic h the 
point of sale is locat ed, while cross-border card-based payment transactions initiat ed non-remotely are repor ted to 
identify the countr y in whic h the physical term inal is located. 
Card-based payment transactions 
2. Card-based payment transactions with card-based payment instr uments issued by resident PSPs (except cards with an 
e-money function only) are repor ted, regardless of the location of the payment brand under whic h the payment 
transaction has been made. 
3. Sent card-based payment transactions are repor ted by the issuing PSP. 
4. Card-based payment transactions also include data on card-based payment transactions at virtual points of sale, e.g. 
over the internet or the teleph one. 
5. Card-based payment transactions with card-based payment instr uments are also split into: ‘initiated electronically’ 
whic h is further broke n down into initiate d remot ely and initiated non-remotel y. The sub-channels are mutually 
excl usive. EN Offi cial Jour nal of the European Union L 999/24                                                                                                                                       11.12.2020   
6. For transactions ‘initiated electronically’ , the merchant catego ry code (MCC) is repor ted when available to the 
repor ting agent for both remote and non-remot e transactions.   EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/25   
ANNEX II 
DATA DEFINITIONS 
Term Definition 
Account information ser­
vice (AIS) ‘Account information service ’ means ‘account information service ’ as defined in Article 4(16) of 
Directive (EU) 2015/2366. 
Account information ser­
vice provider (AISP) ‘Account information service provider ’ means ‘account information service provider ’ as defined 
in Article 4(19) of Directive (EU) 2015/2366. 
Account servicing pay­
ment service provid er 
(ASPSP) ‘Account servicing payment service provid er’ means ‘account servicing payment service provi­
der’ as defined in Article 4(17) of Directive (EU) 2015/2366. 
Acquirer ‘Acquirer ’ means ‘acquirer ’ as defined in Article 2(1) of Regulation (EU) 2015/751 (1). 
Acquir ing of payment 
transactions ‘Acquir ing of payment transactions’ means ‘acquir ing of payment transactions’ as defined in 
Article 4(44) of Directive (EU) 2015/2366. 
Agen t ‘Agen t’ means ‘agent’ as defined in Article 4(38) of Directive (EU) 2015/2366. 
Automate d teller 
machi ne (ATM ) Electromec hanical device that allows author ised users using a card-based payment instr ument 
or other means, to withdra w cash from their accounts and/or access other services, allowing 
them, inter alia, to make balance enquir ies, transfe r funds or deposit mone y. 
ATM cash deposit (excep t 
e-money transactions) Cash deposit performed at an ATM using a card-based payment instr ument or other means, 
including transactions whereby cash is deposite d at a term inal, without manual inter vention, 
and the payer is identif ied with a card-based payment instr ument or other means. 
ATM cash withdra wal 
(except e-money transac­
tions) Cash withdrawal perf ormed at an ATM using a card-based payment instr ument or other means. 
Cash advances at POS term inals as part of a payment transaction for the purchase of goods or 
services (‘cash-bac k’ transactions) are not included. 
ATM transaction (excep t 
e-money transactions) A payment transaction (2) performe d at an ATM using a card-based payment instr ument or 
other means. E-money payment transactions are not included. 
ATM with a cash withdra­
wal function ATM allowing author ised users to withdraw cash from their accounts by using a card-based pay­
ment instr ument or other means. 
ATM with a credit trans­
fer function ATM allowing author ised users to mak e credit transfer s using a card-based payment instr ument 
or other means. 
Authentication ‘Authentication’ means ‘authentication’ as defined in Article 4(29) of Directive (EU) 2015/2366. 
Authenticated via non- 
strong custome r authen­
tication ‘Authenticated via non-strong customer authentication’ refers to transactions whic h are 
exem pted from strong customer authentication pursuant to Chapt er III of Commission Dele­
gated Regulation (EU) 2018/389 (3) as well as transactions for which the provis ions in 
Article 97(1) of Directive (EU) 2015/2366 do not apply . Merc hant initiat ed transactions as 
well as other transactions to which SCA is not applicable are included. EN Offi cial Jour nal of the European Union L 999/26                                                                                                                                       11.12.2020   
Term Definition 
Branch A place of business other than the head office located in the repor ting countr y and established 
by a payment service provider (PSP) legally incor porat ed in another countr y. It has no legal per­
sonality and directly carries out some or all of the transactions inherent in the business of a PSP. 
All of the places of business set up in the repor ting countr y by the same institution legally incor­
porate d in another countr y constitute a sing le branch. Each of these places of business is 
counte d as an individual office. 
Card A payment instr ument based on a unique number that can be used to initiate a payment, cash 
withdrawa l or cash deposit that is processed using a card scheme or within the netw ork oper­
ated by the issuer of the card. The number can be stored on a physical card, on another device 
(including key tag, stick er, smar tphone) or can be held virtually without a physical device. Cards 
offer the cardholder , in accordance with the agreement with the card issuer , one or more of the 
followi ng functions: cash, debit, dela yed debit, credit and e-money . 
Card-based payment 
instr ument ‘Card-based payment instr ument ’ means ‘card-based payment instr ument ’ as defined in 
Article 2(20) of Regulation EU 2015/751 including dela yed debit cards. 
Card details thef t Thef t of sensitive payment data as defined in Article 4(32) of Directive (EU) 2015/2366. The 
sensitive payment data in this case refer to data on a card-based payment instr ument. 
Card issuer ‘Card issuer ’ means ‘issuer ’ as defined in Article 2(2) of Regulation (EU) 2015/751 (4). 
Card not received A card-based payment instr ument that the payer claimed was not received, although the payer’s 
PSP (issuer) conf irms it was sent to the payer (by any deliver y method). 
Card-based payment 
transaction initiated at a 
physical EFTPOS Electronically initiate d card-based payment transaction at a physical POS allowing electronic 
fund transfer s. This item typically includes card-based payment transactions through an electro­
nic funds transfer at point of sale (EFTPOS) term inal at a merchant’s location. It does not include 
e-money payment transactions. 
Card-based payment 
transactions with card- 
based payment instr u­
ments issued by resident 
PSP initiate d electroni­
cally Card-based payment transactions whic h are initiated at an EFTPOS, ATM or other physical 
term inal that allows electronic payment initiation or remotely by electronic means of informa­
tion transmission. Card-based payment transactions with card-based payment instr uments 
issued by resident PSPs initiated in paper -based form (e.g. via card-based payment instr ument 
imp rinter or where the payment information is captur ed manually on paper vouc hers) are not 
included. 
Card-based payment 
transactions with card- 
based payment instr u­
ments issued by resident 
PSPs (except cards with 
an e-money function 
only) Card-based payment transactions performed using debit, dela yed debit or credit cards at a term ­
inal or via other channels. 
All payment transactions initiated with a card-based payment instr ument are included, i.e: 
(a) all transactions in whic h the acquirer and the issuer of the card-based payment instr ument/ 
transaction are different entities; and 
(b) all transactions in whic h the acquirer and the issuer of the card-based payment instr ument/ 
transaction are the same entity . 
Deductions from the PSP’s account resulting from the settlement of a card-based payment trans­
action in whic h the acquirer and the issuer of the card-based payment instr ument/transaction 
are the same entity are included. 
Card-based payment transactions by teleph one or over the internet using a card-based payment 
instr ument are included. 
E-mone y payment transactions are not included. 
Cash withdra wals and deposits at ATMs are not included. These are repor ted as ‘ATM cash with­
drawals ’ or ‘ATM cash deposits’. 
Credit transfers at ATMs are not included. These are repor ted as ‘credit transfers’. 
Cash advances at POS term inals are not included. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/27   
Term Definition 
Card-based payment 
transactions with card- 
based payment instr u­
ments issued by resident 
PSPs initiate d non-elec­
tronically Card-based payment transactions initiated at a physical term inal through a manual author isa­
tion procedure (e.g. imprinters) (card present transactions) or payments initiat ed via mail order 
or telephone order (MOTO) (card not present transactions). 
Card-based payment 
transactions with card- 
based payment instr u­
ments issued by resident 
PSPs initiated electroni­
cally via remot e payment 
channel Electronically initiat ed card-based payment transactions whic h are a type of remot e payment 
transactions as defined in Article 4(6) of Directive (EU) 2015/2366. 
Card-based payment 
transactions with card- 
based payment instr u­
ments issued by resident 
PSPs initiate d non-elec­
tronically via remot e pay­
ment channel Non-electronically initiate d card-based payment transactions whic h are a type of remote pay­
ment transactions as defined in Article 4(6) of Directive (EU) 2015/2366. 
Card with a cash function A card enabling the holder to withdraw cash from an ATM and/or to deposit cash to an ATM. 
Card with a combined 
debit, cash and e-money 
function A card issued by a PSP, which has a combined cash, debit and e-money function. 
Card with a contactless 
payment function A card that allows a card payment transaction to be initiat ed with a particular type of contactless 
technology and where both the payer and the payee of the payment transaction (and/or their 
equipment) are in the same physical location. 
Card with a payment 
function (except cards 
with an e-money func­
tion only) A card whic h has at least one of the followi ng functions: a debit function, dela yed debit function 
or credit function. The card may also have other functions, such as an e-money function, but 
cards with only an e-money function are not counted in this catego ry. Cards with only a cash 
withdrawa ls/deposits function are not included. 
Card with an e-money 
function A card on whic h e-money can be stored directly and/or gives access to e-money stored on e- 
mone y accounts, enabling e-money payment transactions. 
Card-based payment 
transaction ‘Card-based payment transaction’ means ‘card-based payment transaction’ as defined in Article 2 
(7) of Regulation EU 2015/751 including dela yed debit cards. 
Card on whic h e-money 
can be stored directly E-mone y held on a card in the e-money holder ’s possession. Refer also to the definit ion of ‘elec­
tronic money’ . 
Cards whic h give access 
to e-money stored on e- 
mone y accounts Refer to definition of ‘e-mone y accounts’. EN Offi cial Jour nal of the European Union L 999/28                                                                                                                                       11.12.2020   
Term Definition 
Card with an e-money 
function whic h has been 
loaded at least once A card with an e-money function whic h has been loaded at least once and can thus be consid­
ered activat ed. Loading may be interpreted as indicative of the intenti on to use the e-money 
function. 
Cash Banknote s and coins in circulation that are held outside the MFI sector or in the vaults of mone­
tary financia l institutions (MFIs). 
Cash advance at point of 
sale (POS) term inals Transactions in whic h the cardholder using a card or other means receives cash at a POS term ­
inal in combination with a payment transaction for goods or services (commonly referred to as 
‘cash-bac k’). 
Cash withdra wal using 
card-based payment 
instr uments (except e- 
mone y transactions) Cash withdra wal at an ATM or at the counte r of a PSP using a card with a cash function. E- 
mone y payment transactions are not included while cash advances at POS are included. 
Central bank Central bank means ‘central bank’ (subsector S.121) as defined in paragraphs 2.72 to 2.74 of 
Annex A to Regulation (EU) No 549/2013. 
Cheque A written and signed order from one party, i.e. the drawer , to another , i.e. the drawee, which is in 
principle a credit institution, requir ing the drawee to pay a specified sum unconditionally and 
on demand to the drawer or to a third party specified by the drawer . 
Clear ing and settlement 
organisation Any clear ing and settlement orga nisation whic h is a direct participant in a payment system . 
Concentration ratio ‘Concentration ratio’ means the mark et share of the five largest senders of payment transactions 
in each syste m (this may include the central bank). The five largest senders of transactions in 
term s of volume may diffe r from the five largest senders in term s of value. Each participant 
which has individual access to the system is count ed separately , irrespective of whether an 
affiliation between two or more participants exists. 
Consent given via an elec­
tronic mandate A consent given by the payer via a mandate as defined in Article 2(21) of Regulation 
(EU) No 260/2012 which is in electronic form. 
Contactless low value Contactless payments to which Article 11 of the Commission Delegat ed Regulation 
(EU) 2018/389 applies. 
Contactless payment A payment transaction using a card or other means where the payer and the merc hant (and/or 
their equipment) are at the same physical location and where the communication between the 
portable device and the point of sale (POS) takes place through contactless technology . 
Counterfe it card The use of an alter ed or illegally reproduced card-based payment instr ument, including the 
replication or alter ation of the magnetic strip or embossing. 
Counterfe it e-money card The use of an altered or illegally reproduced e-money card, including the replication or altera­
tion of the magnetic strip or embossing. 
Credit card ‘Credit card’ has the same meaning as ‘credit card’ as defined in Article 2(34) of Regulation 
(EU) 2015/751. For the purposes of this Regulation, dela yed debit cards are excl uded. 
Credit institution ‘Credit institution’ means ‘credit institution’ as defined in Article 4(1)(1) of Regulation 
(EU) No 575/2013 (5). EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/29   
Term Definition 
Credit transfer ‘Credit transfer ’ means ‘credit transfer ’ as defined in Article 4(24) of Directive (EU) 2015/2366. 
Credit transfers initiated 
electronically Any credit transfe r whic h the payer submits in non-paper -based form, i.e. electronically . 
Credit transfer initiated in 
a file/batch An electronically initiate d credit transfer that is part of a group of credit transfer s jointly 
initiate d by the payer via a dedicated line. Each credit transfer contained in a batch is counte d 
as a separate credit transfer when repor ting the number of transactions. 
Credit transfer initiated in 
paper -based form A credit transfer initiated by the payer in paper -based form or by instr ucting staff at a branch 
over the counter (OTC) to initiate a credit transfer and any other credit transfe r, whic h requires 
manual processing. 
Credit transfer initiated 
on a sing le payment basis An electronically initiate d credit transfer that is independent from other credit transfer s, i.e. that 
is not part of a group of credit transfer s jointly initiate d. 
Credit transfer payment 
schem e Refer to the definition of ‘payment schem e’. International payment schem es include SEPA Credit 
Transfer scheme and SEPA Instant Credit Transf er scheme. 
Credits to the accounts by 
simple book entr y Credit transaction initiated by a PSP (including electronic mone y issuer) without a specifi c trans­
action order and execut ed by simple book entr y (simple book entr y means a credit entr y, to the 
account of a customer , without the use of a traditional payment instr ument). The following 
transactions are repor ted for this item: (a) interest payment by the bank; (b) dividend payment 
by the bank; (c) disbursal of the amount of a loan to the current account of the customer; and (d) 
other credits to the account by simple book entr y. These data are excl uded from credit transfer s. 
Cross-border payment 
transaction A payment transaction initiate d by a payer or by a payee, where the payer’s PSP and the payee’s 
PSP are locat ed in different countr ies. For card-based payment transactions, ‘cross-border pay­
ment transaction’ means ‘cross-border payment transaction’ as defined in Article 2(8) of Regula­
tion (EU) 2015/751. (6) 
Specifi cally , in the case of payment systems : a payment transaction between participants located 
in different countr ies. 
Debit card ‘Debit card’ means ‘debit card’ as defined in Article 2(33) of Regulation (EU) 2015/751. 
Debits from the account 
by simple book entr y Debit transaction initiated by a PSP (including electronic mone y issuer) without a specifi c trans­
action order and execut ed by simple book entr y (debit entr y) to the account of a custome r, i.e. 
without the use of a traditional payment instr ument. The followi ng transactions are repor ted for 
this item: (a) charg e of interest by the bank; (b) deduction of banking fees; (c) payment of taxes 
linked to financial assets, if they are a separate transaction but not separate ly author ised by the 
customer; (d) repa yments of the amount of a loan; and (e) other debits to the account by simple 
book entr y. These data are excl uded from direct debits. 
Dela yed debit card A card enabling cardholders to have their purchas es charged to an account with the card issuer 
up to an author ised limit. The balance in this account is then settled in full at the end of a pre- 
defined period. The holder is usually charged an annual fee. 
The distinguishing feature of a card with a dela yed debit function, in contrast to a card with a 
credit function or a debit function, is the contractual agreement granting a credit line but includ­
ing an obligation to settle the debt incur red at the end of a pre-define d period without charging 
inter est rates. This type of card is commonly referred to as a ‘charge card’. EN Offi cial Jour nal of the European Union L 999/30                                                                                                                                       11.12.2020   
Term Definition 
Direct debit ‘Direct debit ’ means ‘direct debit ’ as defined in Article 4(23) of Directive (EU) 2015/2366. 
Direct debit initiated in a 
file/batc h An electronically initiated direct debit that is part of a group of direct debits jointly initiat ed by 
the payee. Each direct debit contained in a batc h is count ed as a separate direct debit when 
repor ting the number of transactions. 
Direct debit initiated on a 
sing le payment basis An electronically initiated direct debit that is independent from other direct debits, i.e. that is not 
part of a group of direct debits jointly initiated. 
Direct debit payment 
schem e Refer to definit ion of ‘payment scheme’. Internatio nal direct debit schemes include SEPA Direct 
Debit Core scheme and SEPA Direct Debit Business to Business schem e. 
Direct participant An entity which is identified or recognised by a payment syste m and is author ised to send and 
receive payment orders directly to and from the system without an intermediar y or is directly 
bound by the rules governing the payment system . In some systems , direct participants also 
exchange orders on behalf of indirect participants. Ever y participant with individual access to 
the system is counted separately . 
Domestic payment trans­
action ‘Domestic payment transaction’ means ‘national payment transaction’ as defined in 
Article 2(27) of Regulation (EU) No 260/2012. For card-based payment transactions, ‘domestic 
payment transaction’ means ‘domestic payment transaction’ as defined in Article 2(9) of Regula­
tion (EU) 2015/751. 
E-commerce The sale or purchas e of goods or services, whether between businesses, households, individuals 
or private orga nizations, through electronic transactions conducted via the intern et or other 
comput er-mediated (online communication) netw orks. The term covers the order ing of goods 
and services which are sent over comput er netw orks, but the payment and the ultimat e deliver y 
of the goods or service may be conduct ed either on- or off-line. 
EFTPOS terminal An EFTPOS terminal captur es payment information by electronic means and is designed, in 
some cases, to transmit such information either online, with a real-time request for author isa­
tion, or offline. EFTPOS terminals include unatt ended term inals. 
Electronic mone y (e- 
mone y) ‘Electronic mone y’ means ‘electronic mone y’ as defined in Article 2(2) of Directive 
2009/110/EC. 
Electronic mone y institu­
tion ‘Electronic money institution’ means ‘electronic mone y institution’ as defined in Article 2(1) of 
Directive 2009/110/EC. 
Electronic mone y issuer ‘Electronic mone y issuer ’ means ‘electronic mone y issuer ’ as defined in Article 2(3) of Directive 
2009/110/EC. 
E-mone y account An account in whic h e-money (7) is stored and in which the balance can be used by the account 
holder to make payments and to transfer funds between accounts. 
E-mone y account 
accessed through a card Refer to definitions for ‘e-mone y account’ and ‘card with an e-money function’ . 
E-mone y card not 
received An e-money card that the payer claimed was not received, although the payer’s PSP (issuer) con­
firms it was sent to the payer (by any deliver y method). EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/31   
Term Definition 
E-mone y card terminal Terminal allowing the transfer of electronic value from an electronic mone y issuer to the holder 
of a card with an e-money function and vice versa (i.e. loading and unloading) or terminal allow­
ing holders of e-money on a card with an e-money function to transfe r e-money value from 
their balance to the balance of the merc hant or other beneficiar y. 
E-mone y card accepting 
term inal Terminal allowin g holders of e-money on a card with an e-money function to transfer e-money 
value from their balance to the balance of the merc hant or other benefi ciary. 
E-mone y card-loading 
and unloading term inal Terminal allowing the transfer of e-money value from an electronic money issuer to the holder 
of a card with an e-money function and vice versa, i.e. loading and unloading. 
E-mone y card-loading 
and unloading Transactions allowing the transfer of e-money value from an electronic money issuer to the 
holder of a card with an e-money function and vice versa. Both loading and unloading transac­
tions are included. 
E-mone y payment trans­
action ‘E-money payment transaction’ means a payment transaction using electronic mone y. See the 
definit ion of ‘electronic mone y’. 
E-mone y payment with 
cards on which e-money 
can be stored directly A transaction whereby the holder of a card with an e-money function transfer s e-money value 
from its balance stored on the card to the balance of the benefi ciary. 
E-mone y payment with e- 
mone y accounts A transaction whereby funds are transfe rred from the e-money account of a payer, to the 
account of a payee. See the definition of ‘e-money accounts’. 
E-mone y payment with e- 
mone y accounts of which: 
accessed through a card A transaction whereby a card is used to access an e-money account and subsequently funds are 
transferr ed from the e-money account of the payer, to the account of a payee. See the definition 
of ‘e-money accounts’. 
Fraudulent payment 
transaction ‘Fraudulent payment transaction’ includes all instances of payment fraud referred to in Guideline 
1.1 of the EBA Guidelines on repor ting requirements for fraud data under Article 96(6) PSD2 
(EBA/GL/2018/05). 
Funds ‘Funds’ means ‘funds ’ as defined in Article 4(25) of Directive (EU) 2015/2366. 
Indirect participant A participant, in a payment system with a tiering arrangement, that uses a direct participant as 
an intermediar y to perform some of the activities, in particular , settlement allowed in the sys­
tem. 
All transactions by an indirect participant are settled on the account of a direct participant that 
has agreed to represent the indirect participant in question. Ever y participant that can be 
addressed individually in the system is counted separate ly, whether or not a legal link exists 
between two or more such participants. 
Initiation of a payment 
transaction The submission of a payment order (8) by a payment service user . 
Instant payment Instant payments are electronic retail payments that are processed in real time, 24 hours a day, 
365 days a year, where the funds are made available immediately for use by the recipient. 
Institutions offer ing 
payment services to 
non-MFIs Comp rises all PSPs as defined in this annex and whic h offer payment services to non-MFIs. EN Offi cial Jour nal of the European Union L 999/32                                                                                                                                       11.12.2020   
Term Definition 
Inter chang e fee ‘Interchang e fee’ means ‘interch ange fee’ as defined in Article 2(10) of Regulation 
(EU) 2015/751. 
Issuance of a payment 
order by the fraudster ‘Issuance of a payment order by the fraudster ’ means ‘issuance of a payment order by the fraud­
ster’ as defined in Guideline 1.6. d. of the EBA Guidelines on repor ting requirements for fraud 
data under Article 96(6) PSD2 (EBA/GL/2018/05). 
Large -value payment sys­
tem (LVPS) ‘Large-v alue payment system’ means ‘large-value payment system’ as defined in Article 2(18) of 
Regulation (EU) No 260/2012 of the European Parliament and of the Council. 
Losses due to fraud per 
liability bearer ‘Losses due to fraud per liability bearer ’ means ‘losses due to fraud per liability bearer ’ as defined 
in Guideline 1.6. b. of the EBA Guidelines on repor ting requirements for fraud data under Arti­
cle 96(6) PSD2 (EBA/GL/2018/05). 
Lost or stolen card A fraud type that occurs with the use of a lost or stolen card-based payment instr ument (debit, 
dela yed debit or credit card) without the actual, implied, or apparent author ity of the cardholder . 
Lost or stolen e-money 
card A fraud type that occurs with the use of a lost or stolen e-money card without the actual, 
imp lied, or apparent author ity of the cardholder . 
Low value Payment transactions for which the excep tion in Article 16 of the Commission Delegat ed Reg­
ulation (EU) 2018/389 applies. 
Manipulation of the 
payer ‘Manipulation of the payer’ means ‘manipulation of the payer’ as defined in Guideline 1.1. b. of 
the EBA Guidelines on repor ting requirements for fraud data under Article 96(6) of Directive 
(EU) 2015/2366 (EBA/GL/2018/05). 
Merch ant An entity that is author ised to receive funds in exchange for the deliver y of goods and/or ser­
vices and has established an agreement with a PSP, for accepting these funds. 
Merch ant cate gory code 
(MCC) A four-digit number (listed in ISO 18245) for retail financial services. MCC is used to classify the 
business by the type of goods or services it provid es. 
Merch ant initiated trans­
action (MIT) ‘Merchant initiat ed transaction’ means ‘Merchant initiate d transaction’ as defined in Annex II, 
Part C, footnote 4 of the EBA Guidelines amending the EBA Guidelines on repor ting require­
ments for fraud data under Article 96(6) of Directive (EU) 2015/2366 (EBA/GL/2020/01). 
Mobile payment solution A solution used to initiate payments for whic h the payments data and the payment instr uctions 
are transmitted and/or conf irmed via mobile communication and data transmission technology 
through a mobile device. This catego ry includes digital wallets and other mobile payment solu­
tions used to initiate P2P (person-to- person) and/or C2B (consumer -to-business) transactions, i. 
e. credit transfers , card payments and/or e-money transactions. 
Modifi cation of a pay­
ment order by the fraud­
ster ‘Modif ication of a payment order by the fraudst er’ means ‘modification of a payment order by 
the fraudster ’ as defined in Guideline 1.6 c of the EBA Guidelines on repor ting requirements for 
fraud data under Article 96(6) PSD2 (EBA/GL/2018/05). 
Monetar y financia l insti­
tutions (MFIs) Monetar y financial institution (MFI) means ‘Monetar y financial institution’ as defined in para­
graph 2.67 of Annex A to Regulation (EU) No 549/2013. 
Money remittance ‘Money remittance’ means ‘money remittance’ as defined in Article 4(22) of Directive 
(EU) 2015/2366. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/33   
Term Definition 
Near Field Communica­
tion (NFC) payment A contactless payment transaction using NFC technology (ISO/IEC 18092). 
Non-MFI Any natural or legal person that does not belong to the MFI sector . 
For the purpose of payments statistics, all PSPs are excl uded from the ‘non-MFIs ’ sector . 
Number of accounts 
accessed by AISPs The number of different accounts accessed by the AISP in the repor ting period. 
Number of clients The number of payment service users to which the AISP offers its services. 
Number of overnight 
deposits Number of accounts holding overnight deposits as defined in ‘Instr ument catego ries’ in point 
9.1 of the table ‘Instr ument catego ries’ of Part 2 of Annex II to Regulation (EU) No 1071/2013 
(ECB/2013/33). 
Number of overnight 
deposits of which: number 
of internet/ PC linked 
overnight deposits Number of over night deposit accounts held by non-MFIs which the account holder can access 
and use electronically via the intern et or with PC banking applications via dedicat ed software 
and dedicat ed telecommunicat ion lines. 
Number of transferable 
overnight deposits Number of accounts holding transfe rable overnight deposits as defined in ‘Instr ument cate ­
gories’ in point 9.1a of Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33). 
Number of transferable 
overnight deposits of 
which: number of inter ­
net/PC linked overnight 
transfer able deposits Number of accounts holding transferable over night deposits as defined in ‘instr ument cate ­
gories’ in point 9.1a of Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33) 
held by non-MFIs which the account holder can access and use electronically via the internet 
or with PC banking applications via dedicated software and dedicate d telecommunicat ion lines. 
Online banking based 
credit transfer s Credit transfer initiate d through online banking and payment initiation services. 
Over the count er (OTC) 
cash deposits A cash deposit to an account at the PSP using a form, including where a card is used merely to 
identify the payer. 
Over the count er (OTC) 
cash withdrawals A cash withdrawal from an account at the PSP using a form, including where a card is used 
merely to identify the payee. 
Other direct participants Any direct participant in a payment syste m, excluding credit institutions and central banks. 
Other e-money issuer E-mone y issuers other than ‘e-mone y institutions ’ and ‘credit institutions ’. Refer to the definition 
of ‘electronic money issuer ’. 
Other financial institu­
tions All financial institutions participating in a payment system that are under the super vision of the 
relevant author ities, i.e. either the central bank or the prudential super visor , but not falling 
within the definition of credit institutions. 
Other PSPs and e-money 
issuers Other PSPs and e-money issuers means ‘Payment service providers ’ as defined in this Annex 
excl uding credit institutions as defined in this Annex, e-money institutions as defined in this 
Annex, payment institutions as defined in this Annex and central banks as defined in this 
Annex. EN Offi cial Jour nal of the European Union L 999/34                                                                                                                                       11.12.2020   
Term Definition 
Other payment services Any payment service within the scope of Directive (EU) 2015/2366 but whic h cannot be 
included in any of the other cate gories of payment service in Annex III. 
Other services not 
included in Directive 
(EU) 2015/2366 Any service outside the scope of Directive (EU) 2015/2366 and whic h cannot be included in 
any of the other categor ies of payment service in Annex III. 
Outstanding value on e- 
mone y storag es issued by 
electronic mone y issuers Value, at the end of the repor ting period, of e-money issued by electronic money issuers and 
held by entities other than the issuer , including electronic money issuers other than the issuer . 
P2P mobile payment 
solution A solution where payments are initiated, conf irmed and/or received by an individual to another 
individual (P2P), via a mobile device. The payment instr uction and other payment data are trans­
mitted and/or conf irmed with a mobile device. A distinctive mobile payment identifier , such as 
mobile telephone number or e-mail address, can be used as a proxy to identify the payer and/or 
payee. P2P mobile payment solutions can be used to initiate credit transfe rs, card payments and/ 
or e-money transactions. 
Payee ‘Payee’ means ‘payee’ as defined in Article 4(9) of Directive (EU) 2015/2366. 
Payer ‘Payer’ means ‘payer’ as defined in Article 4(8) of Directive (EU) 2015/2366. 
Payment account ‘Payment account’ means ‘payment account’ as defined in Article 4(12) of Directive 
(EU) 2015/2366. 
Payment card scheme 
(PCS) ‘Payment card scheme’ means ‘payment card sche me’ as defined in Article 2(16) of Regulation 
(EU) 2015/751. 
Payment initiation ser­
vice ‘Payment initiation service’ means ‘payment initiation service ’ as defined in Article 4(15) of 
Directive (EU) 2015/2366. 
Payment initiation ser­
vice provider (PISP) ‘Payment initiation service provider (PISP)’ means ‘payment initiation service provider ’ as 
defined in Article 4(18) of Directive (EU) 2015/2366. 
Payment institution ‘Payment institution’ means ‘payment institution’ as defined in Article 4(4) of Directive 
(EU) 2015/2366. 
Payment instr ument ‘Payment instr ument ’ means ‘payment instr ument ’ in Article 4(14) of Directive 
(EU) 2015/2366. 
Payment order ‘Payment order ’ means ‘payment order ’ as defined in Article 4(13) of Directive (EU) 2015/2366. 
Payment scheme 'Payment sche me' means a set of formal, standardised and common rules enabling the transfe r 
of value between end-users by means of electronic payment instr uments. It is managed by a gov­
ernance body . 
Payment service provid er 
(PSP) ‘Payment service provid er’ means ‘payment service provi der’ as defined in Article 4(11) of Direc­
tive (EU) 2015/2366. 
Payment service user 
(PSU) ‘Payment service user ’ means ‘payment service user ’ as defined in Article 4(10) of Directive 
(EU) 2015/2366. 
Payment service ‘payment service ’ means any of the business activities listed in Annex I to Directive 
(EU) 2015/2366 or any of the services liste d in Article 4(3)(a) of this Regulation. 
Payment system ‘Payment system’ means ‘payment syste m’ as defined in Article 4(7) of Directive 
(EU) 2015/2366. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/35   
Term Definition 
Payment system operator 
(PSO) ‘PSO’ means a legal entity that is legally responsible for operating a payment system . 
Payment to self Payment transactions for whic h the excep tion in Article 15 of the Commission Delega ted 
Regulation (EU) 2018/389 applies. 
Point of sale ‘Point of sale’ means ‘point of sale’ as defined in Article 2(29) of Regulation (EU) 2015/751. 
Point of sale (POS) term i­
nal A physical device used at a retail location to captur e payment information typically electroni­
cally , for consumer -to-business transactions (purchas es).The payment information is capture d 
either manually on paper vouchers or by electronic means, i.e. EFTPOS. 
POS term inal accepti ng e- 
mone y transactions A POS term inal that additionally can accept e-money payments. E-mone y card term inals only 
accepti ng e-money payments are not included (9). 
POS transactions (excep t 
e-money transactions) Transactions performe d through a POS term inal using a card or other means containing the 
appropr iate payment application. 
Transactions using a card with an e-money function and cash advances at POS are not included. 
General government General govern ment means ‘General government ’ (sector S.13) as defined in paragraphs 2.111 
to 2.117 of Annex A to Regulation (EU) No 549/2013. 
Recur ring transaction Payment transactions for whic h the excep tion in Article 14 of the Commission Delega ted 
Regulation (EU) 2018/389 applies. 
Remote payment transac­
tion ‘Remote payment transaction’ means ‘remote payment transaction’ as defined in Article 4(6) of 
Directive (EU) 2015/2366. 
Retail payment system 
(RPS) ‘Retail payment syste m’ means ‘retail payment system ’ as defined in Article 2(22) of Regulation 
(EU) No 260/2012 of the European Parliament and of the Council. 
Secure corporate pay­
ment processes and pro­
tocols Payment transactions for which the excep tion in Article 17 of the Commission Delegat ed Reg­
ulation (EU) 2018/389 applies. 
Sing le Euro Payments 
Area (SEP A) SEPA is a European Union (EU) payments integration initiative aimed at harmonising electronic 
euro payments in Europe. It relates to a common set of specified technical and business require­
ments for payment transactions in euro as set out in the Regulation (EU) 260/2012. 
Strong customer authen­
tication (SCA) ‘Strong customer authentication (SCA )’ means ‘strong custom er authentication’ as defined in 
Article 4(30) of Directive (EU) 2015/2366. 
Tier ing arrange ment An arrang ement whereby indirect participants in a system require the services of direct partici­
pants in order to carry out their transactions. 
Total number of cards 
(irrespective of the num­
ber of functions on the 
card) Total number of cards in circulation. These may have one or more of the followi ng functions: 
cash, debit, credit, dela yed debit or e-money . 
Total payment transac­
tions involving non-MFIs Total number of transactions using payment instr uments involving non-MFIs. Total value of 
transactions using payment instr uments involving non-MFIs. 
Total transactions sent Total number of transactions submitted to and processed in a given payment system. 
Total value of transactions submitte d to and processed in a given payment system . EN Offi cial Jour nal of the European Union L 999/36                                                                                                                                       11.12.2020   
Term Definition 
Transaction Risk Analy­
sis (TRA) Payment transactions for whic h the excep tion in Article 18 of the Commission Delega ted 
Regulation (EU) 2018/389 applies. 
Transactions at term inals 
at which transactions are 
acquired by resident PSPs 
with cards issued by resi­
dent PSPs Payment transactions carried out at all term inals at whic h transactions are acquired by resident 
PSPs (i.e. whether term inals are locat ed in, or outside, the countr y of location of the PSP) and 
where the cards used in the transactions are issued by resident PSPs. 
Geographical breakdown s (as specif ied in Annex III) refer to the countr y of location of the term ­
inals. 
Transactions at term inals 
at which transactions are 
acquired by resident PSPs 
with cards issued by non- 
resident PSPs Payment transactions carried out at all term inals at whic h transactions are acquired by resident 
PSPs (i.e. whether term inals are locat ed in, or outside, the countr y of location of the PSP) and 
where the cards used in the transactions are issued by non-resident PSPs. 
Geographical breakdown s (as specif ied in Annex III) refer to the countr y of location of the term ­
inals. 
Transactions at term inals 
at which transactions are 
acquired by non-resident 
PSPs with cards issued by 
resident PSPs Payment transactions carried out at all terminals at whic h transactions are acquired by non-resi­
dent PSPs (i.e. whether term inals are located in, or outside, the countr y of location of the PSP), 
where the cards used in the transactions are issued by resident PSPs. 
Geographical breakdown s (as specif ied in Annex III) refer to the countr y of location of the term ­
inals. 
Transaction received A transaction involving non-MFIs received from PSPs. Information is provid ed in the repor ting 
countr y by the resident PSP. 
For different payment services, the following applies: 
(a) credit transfers are counted on the payee’s side; 
(b) direct debits are counted on the payer’s side; 
(c) cheques are count ed on the payer’s side; 
(d) card transactions are counte d on the payee’s, i.e. acquir ing side; 
(e) e-money payment transactions are count ed on either the payer’s or the payee’s side, 
depending on the initiation channel. If counted on the payer’s (payee’s) side under 
transactions received, the transaction should be counte d on the payee’s (payer’s) side under 
transactions sent. 
Transaction sent A transaction involving non-MFIs sent to PSPs. Information is provided in the repor ting countr y 
by the resident PSP. 
For different payment services, the following applies: 
(a) credit transfers are counted on the payer’s side; 
(b) direct debits are counted on the payee’s side; 
(c) cheques are count ed on the payee’s side; 
(d) card transactions are counte d on the payer’s, i.e. the issuing, side. 
(e) e-money payment transactions are count ed on either the payer’s or the payee’s side, 
depending on the initiation channel. If counted on the payer’s (payee’s) side under 
transactions sent, the transaction should be counted on the payee’s (payer’s) side under 
transactions received. 
Concer ning payment syste ms, this is a transaction sent by a participant for processing by the 
payment system. 
Transferable deposits ‘Transferable deposits’ means ‘transferable deposits’ as defined in ‘Instr ument cate gories’ point 
9.1a of Part 2 Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33). 
Trusted benefi ciaries Payment transactions for whic h the excep tion in Article 13 of the Commission Delega ted 
Regulation (EU) 2018/389 applies. 
Unattended term inals for 
transpor t fares or parking 
fees Payment transactions for whic h the excep tion in Article 12 of the Commission Delega ted 
Regulation (EU) 2018/389 applies. EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/37   
Term Definition 
Unauthor ised payment 
transaction ‘Unauthor ised payment transaction’ means ‘unauthor ised payment transaction’ as defined in 
Guideline 1.1.a of the EBA Guidelines on repor ting requirements for fraud data under 
Article 96(6) PSD2 (EBA-GL -2018-05). 
Unauthor ised e-money 
account transaction ‘Unauthor ised e-money account transaction’ means an ‘unauthor ised payment transaction’ as 
defined above in respect to the use of an e-money account. 
(1) Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 Apr il 2015 on interc hange fees for card-based 
payment transactions (OJ L 123, 19.5.2015, p. 1). 
(2) See definition of ‘payment transaction’ in the Regulation. 
(3) Commission Delegat ed Regulation (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European 
Parliament and of the Council with regard to regulator y technical standards for strong customer authentication and common and 
secure open standards of communication (OJ L 69, 13.3.2018, p. 23). 
(4) Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 Apr il 2015 on interc hange fees for card-based 
payment transactions (OJ L 123, 19.5.2015, p. 1). 
(5) Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit 
institutions and investmen t firms and amending Regulation (EU) No 648/2012 (OJ L 176, 27.6.2013, p. 1). 
(6) Cross-border card-based payment transactions, as defined in Annex II, require information on the counterpar t residency and the 
location of the point of sale in order to determine whether card-based payment transactions are cross-border . Theref ore, the 
counterpar t residency and the location of the point of sale should be repor ted together . 
(7) See definition of ‘electronic money’ in this Annex. 
(8) See definition of ‘payment order ’ in this Annex 
(9) See definition of ‘e-money card terminals’ in this Annex.   EN Offi cial Jour nal of the European Union L 999/38                                                                                                                                       11.12.2020   
ANNEX III 
REPORTING SCHEMES 
Cells highlight ed in grey represent the repor ting requirements. Payment service providers should repor t Tables 1 to 6 and 
Table 9; payment system operat ors should repor t Tables 7 and 8. There are two versions of Tables 4 and 5, only one of 
which should be repor ted. Tables 4a and 5a should be repor ted by all payment service provi ders which have not been 
grant ed a derogat ion pursuant to Article 4, whereas repor ting agents which have been granted a derogation pursuant to 
Article 4(2) and (3) should repor t the statistical information in Tables 4b and 5b. The geographical breakdown s are 
explained in detail at the end of this Annex. 
Table 1 is repor ted by all PSPs, excep t those grant ed derogation pursuant to Article 4(2) and (3), on a semi-annual basis. 
Table 1 
Insti tutions offer ing payment services to non-monet ary financial institutions (non-MFIs) 
(End of period; number in actual units; value in EUR; Geo 0 excep t when other wise indicate d)  
Number Value 
Credit institutions   
Number of over night deposits   
of which:   
Number of intern et/PC-linked overnight deposits   
Number of transferable overnight deposits   
of which:   
Number of internet/ PC-link ed transfer able over night deposits   
Number of payment accounts   
Number of e-money accounts   
Outstanding value on e-money storages issued (1)   
Acco unt Information Services Providers   
Number of clients Geo 3  
Electronic money institution s   
Number of payment accounts   
Number of e-money accounts   
Outstanding value on e-money storages issued (1)   EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/39   
Number Value 
Payment insti tutions   
Number of payment accounts   
Acco unt Information Services Providers   
Number of Clients Geo 3  
Other PSPs and e-mone y issuers   
Number of payment accounts   
Number of e-money accounts   
Outstanding value on e-money storages issued (1)   
Acco unt Servicing Payment Services Providers   
Number of payment accounts accessed by Account Information Ser­
vice Providers Geo 3  
(1) Outstanding value on e-mone y storag es issued by e-money issuers.   
Table 2 is repor ted by all PSPs, excep t those grant ed a derog ation pursuant to Article 4(2) and (3), on a semi-annual basis. 
Table 2 
Card functions 
(End of period; number in actual units; Geo 0) 
Cards issued by resident PSPs Number 
Cards with a cash function  
Cards with a payment function (except cards with an e-money function only)  
of which:  
Debit card  
issued under PCS VISA  
issued under PCS MASTER CARD  
issued under other PCSs (1)  
Dela yed debit card  
issued under PCS VISA  
issued under PCS MASTER CARD  EN Offi cial Jour nal of the European Union L 999/40                                                                                                                                       11.12.2020   
Cards issued by resident PSPs Number 
issued under other PCSs2  
Credit card  
issued under PCS VISA  
issued under PCS MASTER CARD  
issued under other PCSs (1)  
Cards with an e-money function  
Cards on which e-money can be stored directly  
of which:  
Cards with an e-money function that have been loaded at least once  
Cards which give access to e-money stored on e-money accounts  
Total number of cards (irrespective of the number of functions on the card)  
of which:  
Cards with a combined debit, cash and e-money function  
Cards with a contactless payment function  
(1) Cards issued under each other PCS should be repor ted separately in the manner required by the NCB.   
Table 3 is repor ted by all PSPs, excep t those grant ed derogation pursuant to Article 4(2) and (3), on a semi-annual basis. 
Table 3 
Card accepting devices 
(End of period; number in actual units; Geo 3) 
Terminals provided by resident PSPs Number 
ATMs  
of which:  
ATMs with a cash withdra wal function  
ATMs with a credit transfer function  
ATMs accepti ng contactless transactions  EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/41   
Terminals provided by resident PSPs Number 
POS term inals  
of which:  
EFTPOS terminals  
of which:  
accepti ng contactless transactions  
accepti ng e-money card transactions  
E-mone y card terminals  
of which:  
E-mone y card loading and unloading terminals  
E-mone y card accepti ng terminals    
Table 4a is repor ted by all PSPs, excep t those grant ed derogat ion pursuant to Article 4(2) and (3), on a semi-annual basis. 
Table 4a 
Payment transactions involving non-MFIs 
(Total for the period; Geo 3(*) excep t when other wise indicated; number of transactions in millions; value of 
transactions in EUR millions)  
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Credit transfe rs       
Credit transfers (total)       
Initiate d in paper -based form       
Initiate d electronically       
Initiate d in a file/batch       
(*) For cross-border card-based payment transactions, the residency of the counterpar t and the location of the POS are repor ted together . 
For card-based payment transactions initiated remotely , sent payment transactions are repor ted to identify the countr y of the 
receiving PSP and the countr y in whic h the point of sale is located. For card-based payment transactions initiated non-remotely , sent 
payment transactions are repor ted to identify the countr y of the receiving PSP and the countr y in whic h the physical terminal is 
located. Received payment transactions initiated remotely are repor ted to identify the countr y of the sending PSP and the countr y in 
whic h the point of sale is located. Received payment transactions initiated non-remotely are repor ted to identify the countr y of the 
sending PSP and the countr y in which the physical point of sale is located EN Offi cial Jour nal of the European Union L 999/42                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Initiate d on a sing le payment 
basis       
of which:       
Online banking based credit 
transfer       
of which:       
E-commerce payments       
ATM or other PSP term inal       
Mobile payment solution       
of which:       
P2P mobile payment solu­
tion       
of which:       
Processed by credit transfer 
schem es (1)       
Authenticated via strong 
customer authentication 
(SCA)       
Authenticated via non- 
strong customer authentica­
tion (non-SC A)       
Reason for authentication via 
non-SCA (2):       
Low value       
Payment to self       
Trusted benefi ciaries       
Recur ring transaction       
Secure corporate payment 
processes and protocols       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/43   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Transaction Risk Analysis       
Contactless low value       
Unattended terminals for 
transpor t fares or parking fees       
Other       
of which:       
Initiate d by PISP       
Direct debits       
Direct debits (total)       
Initiate d in a file/batch       
Initiate d on a sing le payment 
basis       
Consent given via an electronic 
mandate       
Processed by direct debit 
schem es (1)       
Consent given in other forms       
Processed by direct debit 
schem es (1)       
Card-based pay ment transac­
tions       
Card-based payment transactions 
with card-based payment instr u­
ments issued by resident PSPs 
[sent] / acquired by resident PSPs 
(except cards with an e-money 
function only) [received]       
initiate d non-electronically       
initiate d electronically       EN Offi cial Jour nal of the European Union L 999/44                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
of which:       
Mobile payment solution       
of which:       
P2P mobile payment solution       
Initiate d at a physical EFTPOS       
of which:       
Contactless payments       
of which:       
Near Field Communication 
(NFC) payments       
Initiate d at an ATM       
Others       
of which:       
Processed by payment card 
schem es (1)       
of which:       
with debit cards       
with dela yed debit cards       
with credit cards       
of which:       
Authenticated via strong 
customer authentication 
(SCA)       
Authenticated via non- 
strong customer authentica­
tion (non-SC A)       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/45   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Reason for authentication via 
non-SCA (2):       
Trusted benefi ciaries       
Recur ring transaction       
Contactless low value       
Unattended terminals for 
transpor t fares or parking 
fees       
Low value       
Secure corporate payment 
processes and protocols       
Transaction risk analysis       
Merch ant initiated transac­
tions (MIT)       
Other       
Cash withdrawals       
Cash withdrawals using card- 
based payment instr uments 
(except e-money transactions) 
(total)       
Processed by payment card 
schem es (1)       
of which:       
with debit cards       
with dela yed debit cards       
with credit cards       EN Offi cial Jour nal of the European Union L 999/46                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
E-mone y payment transactions       
E-mone y payment transactions 
with e-money issued by resident 
PSPs (total)       
With cards on which e-money 
can be stored directly       
With e-money accounts       
of which:       
Accessed through a card       
Mobile payment solution       
of which:       
P2P payment solution       
Others       
Authenticated via strong custo­
mer authentication (SCA )       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
Reason for authentication via 
non-SCA:       
Low value       
Trusted benefi ciaries       
Recur ring transaction       
Payment to self       
Secure corporate payment 
processes and protocols       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/47   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Transaction risk analysis       
Contactless low value       
Unattended terminals for 
transpor t fares or parking fees       
Merch ant initiated transac­
tions (MIT)       
Other       
Cheques       
Money remittan ces       
Other pay ment services       
Total pay ment transactions 
involving non-MFIs       
Payment initiation services       
Authenticated via strong custo­
mer authentication (SCA )       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
of which broken down by payment 
instr ument:       
Credit transfers       
Other       
Other services (not included in 
Directiv e (EU) 2015/2366)       
Credits to the accounts by simple 
book entr y Geo_0      EN Offi cial Jour nal of the European Union L 999/48                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Debits from the accounts by 
simple book entr y Geo_0      
Others Geo_0      
(1) Repor ted for each schem e separatel y. 
(2) The reason for authentication via non-SCA are not broken down by scheme.   
Table 4b is repor ted only by PSPs grant ed a derog ation pursuant to Article 4(2) and (3) on an annual basis, with a half- 
yearly breakdown . 
Table 4b 
Payment transactions involving non-MFIs repor ted by repor ting agents granted a derogation 
(Total for the period, Geo 3(*), number of transactions in millions, value of transactions in EUR millions)  
Sent Received 
Total Remote Non -remote Total Remote Non-remote 
Credit transfe rs       
Credit transfers (total)       
Initiate d in paper -based form       
Initiate d electronically       
of which:       
Authenticated via strong cus­
tomer authentication (SCA)       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
(*) For cross-border card-based payment transactions, the residency of the counterpar t and the location of the POS are repor ted together . 
For card-based payment transactions initiated remotely , sent payment transactions are repor ted to identify the countr y of the 
receiving PSP and the countr y in whic h the point of sale is located. For card-based payment transactions initiated non-remotely , sent 
payment transactions are repor ted to identify the countr y of the receiving PSP and the countr y in whic h the physical terminal is 
located. Received payment transactions initiated remotely are repor ted to identify the countr y of the sending PSP and the countr y in 
whic h the point of sale is located. Received payment transactions initiated non-remotely are repor ted to identify the countr y of the 
sending PSP and the countr y in which the physical point of sale is located EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/49   
Sent Received 
Total Remote Non -remote Total Remote Non-remote 
Reason for authentication via 
non-SCA:       
Low value       
Payment to self       
Trusted benefi ciaries       
Recur ring transaction       
Secure corporate payment 
processes and protocols       
Transaction Risk Analysis       
Contactless low value       
Unattended terminals for 
transpor t fares or parking 
fees       
Other       
of which:       
Initiate d by PISP       
Direct debits       
Direct debits (total)       
Consent given via an electronic 
mandate       
Consent given in other forms       
Card-based pay ment transac­
tions       
Card-based payment transactions 
with card-based payment instr u­
ments issued by resident PSPs 
[sent] / acquired by resident PSPs 
(except cards with an e-money 
function only) [received]       EN Offi cial Jour nal of the European Union L 999/50                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non -remote Total Remote Non-remote 
initiate d non-electronically       
initiate d electronically       
of which:       
with debit card       
with dela yed debit card       
with credit card       
of which:       
Authenticated via strong cus­
tomer authentication (SCA)       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
Reason for authentication via 
non-SCA:       
Trusted benefi ciaries       
Recur ring transaction       
Contactless low value       
Unattended terminals for 
transpor t fares or parking 
fees       
Low value       
Secure corporate payment 
processes and protocols       
Transaction risk analysis       
Merch ant initiated transac­
tions (MIT)       
Other       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/51   
Sent Received 
Total Remote Non -remote Total Remote Non-remote 
Cash withdrawals       
Cash withdrawals using card- 
based payment instr uments 
(except e-money transactions) 
(total)       
of which:       
with debit cards       
with dela yed debit cards       
with credit cards       
E-mone y payment transactions       
E-mone y payment transactions 
with e-money issued by resident 
PSPs (total)       
Authenticated via strong custo­
mer authentication (SCA )       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
Reason for authentication via 
non-SCA:       
Low value       
Trusted benefi ciaries       
Recur ring transaction       
Payment to self       
Secure corporate payment 
processes and protocols       
Transaction risk analysis       
Contactless low value       
Unattended terminals for 
transpor t fares or parking fees       EN Offi cial Jour nal of the European Union L 999/52                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non -remote Total Remote Non-remote 
Merch ant initiated transac­
tions (MIT)       
Other       
Money remittan ces       
Payment initiation services       
Authenticated via strong custo­
mer authentication (SCA )       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
of which broken down by payment 
instr ument:       
Credit transfers       
Other         
Table 5a is repor ted by all PSPs, excep t those grant ed a derogation pursuant to Article 4(2) and (3), on a semi-annual basis. 
Table 5a 
Fraudulent pay ment transactions involving non-MFIs 
(Total for the period; Geo 3(*), number of transactions in millions, value of transactions in EUR millions) 
exce pt when other wise indicated ; number of transactions in millions; value of transactions in EUR millions)  
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Fraudulent credit transfer s       
Fraudulent credit transfer s (total)       
Initiate d in paper -based form       
(*) For cross-border card-based payment transactions, the residency of the counterpar t and the location of the POS are repor ted together . 
For card-based payment transactions initiated remotely , sent payment transactions are repor ted to identify the countr y of the 
receiving PSP and the countr y in whic h the point of sale is located. For card-based payment transactions initiated non-remotely , sent 
payment transactions are repor ted to identify the countr y of the receiving PSP and the countr y in whic h the physical terminal is 
located. Received payment transactions initiated remotely are repor ted to identify the countr y of the sending PSP and the countr y in 
whic h the point of sale is located. Received payment transactions initiated non-remotely are repor ted to identify the countr y of the 
sending PSP and the countr y in which the physical point of sale is located EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/53   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Initiate d electronically       
Initiate d in a file/batch       
Initiate d on a sing le payment 
basis       
of which:       
Online banking based credit 
transfer       
of which:       
E-commerce payments       
ATM or other PSP term inal       
Mobile payment solution       
of which:       
P2P mobile payment solu­
tion       
of which:       
Processed by credit transfer 
schem es (1)       
Authenticated via strong 
customer authentication 
(SCA)       
of which fraudulent credit 
transfers by origin:       
Issuance of a payment order 
by the fraudst er       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer 
by the fraudst er to issue a 
payment order       EN Offi cial Jour nal of the European Union L 999/54                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Authenticated via non-strong 
customer authentication (non- 
SCA)       
of which fraudulent credit 
transfers by origin:       
Issuance of a payment order 
by the fraudst er       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer by 
the fraudst er to issue a pay­
ment order       
Reason for authentication via 
non-SCA (2):       
Low value       
Payment to self       
Trusted benefi ciaries       
Recur ring transaction       
Secure corporate payment 
processes and protocols       
Transaction Risk Analysis       
Contactless low value       
Unattended terminals for 
transpor t fares or parking 
fees       
Other       
of which:       
Initiate d by PISP       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/55   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
of which losses due to fraud per 
liability bearer: (3)       
The repor ting PSP Geo1      
The PSU of the repor ting PSP Geo1      
Others Geo1      
Fraudulent direct debits       
Fraudulent direct debits (total)       
Initiate d in a file/batch       
Initiate d on a sing le payment 
basis       
Consent given via an electronic 
mandate       
Processed by direct debit 
schem es (1)       
of which fraudulent direct debits 
by origin:       
Unauthor ised payment 
transaction       
Manipulation of the payer       
Consent given in other forms       
Processed by direct debit 
schem es (1)       
of which fraudulent direct debits 
by origin:       
Unauthor ised payment 
transaction       
Manipulation of the payer       
of which losses due to fraud per 
liability bearer: (3)       
The repor ting PSP Geo1      EN Offi cial Jour nal of the European Union L 999/56                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
The PSU of the repor ting PSP Geo1      
Others Geo1      
Fraudulent Card-based pay ­
ment transactions       
Fraudulent card-based payment 
transactions with card-based 
payment instr uments issued by 
resident PSPs [sent] / acquired by 
resident PSP (except cards with an 
e-money function only) [received]       
initiate d non-electronically       
initiate d electronically       
of which:       
Mobile payment solution       
of which:       
P2P mobile payment solution       
Initiate d at a physical EFTPOS       
of which:       
Contactless payments       
of which:       
Near Field Communication 
(NFC) payments       
Initiate d at an ATM       
Others       
of which:       
Processed by payment card 
schem es (1)       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/57   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
of which:       
with debit cards       
with dela yed debit cards       
with credit cards       
of which:       
Authenticated via strong 
customer authentication 
(SCA)       
of which fraudulent card pay­
ments by origin:       
Issuance of a payment order 
by the fraudst er       
Lost or Stolen card       
Card Not Received       
Counterfe it card       
Card details thef t       
Others       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer 
to make a card payment       
Authenticated via non- 
strong customer authentica­
tion (non-SC A)       
of which fraudulent card pay­
ments by origin:       
Issuance of a payment order 
by the fraudst er       EN Offi cial Jour nal of the European Union L 999/58                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Lost or Stolen card       
Card Not Received       
Counterfe it card       
Card details thef t       
Others       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer 
to make a card payment       
Reason for authentication via 
non-SCA (2):       
Trusted benefi ciaries       
Recur ring transaction       
Contactless low value       
Unattended terminals for 
transpor t fares or parking 
fees       
Low value       
Secure corporate payment 
processes and protocols       
Transaction risk analysis       
Merch ant initiated transac­
tions (MIT)       
Other       
of which losses due to fraud per 
liability bearer: (3)       
The repor ting PSP Geo1   Geo1   EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/59   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
The PSU of the repor ting PSP Geo1   Geo1   
Others Geo1   Geo1   
Fraudulent cash withdraw als       
Fraudulent cash withdrawals 
using card-based payment instr u­
ments (excep t e-money transac­
tions) (total)       
Processed by payment card 
schem es (1)       
of which:       
with debit cards       
with dela yed debit cards       
with credit cards       
of which fraudulent cash with­
drawal by origin:       
Issuance of a payment order 
(cash withdrawal) by the 
fraudst er       
Lost or stolen card       
Card Not Received       
Counterfe it card       
Other       
Manipulation of the payer to 
make a cash withdra wal       
of which losses due to fraud per 
liability bearer: (3)       
The repor ting PSP Geo1      
The PSU of the repor ting PSP Geo1      
Others Geo1      EN Offi cial Jour nal of the European Union L 999/60                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Fraudulent e-mone y payment 
transactions       
Fraudulent e-money payment 
transactions with e-money issued 
by resident PSPs (total)       
With cards on which e-money 
can be stored directly       
With e-money accounts       
of which:       
Accessed through a card       
Mobile payment solution       
of which:       
P2P payment solution       
Others       
Authenticated via strong custo­
mer authentication (SCA )       
of which fraudulent e-mone y 
payments by origin:       
Issuance of a payment order by 
the fraudst er       
Lost or stolen e-money card       
E-mone y card not received       
Counterfe it e-money card       
Card details thef t       
Unauthor ised e-money 
account transaction       
Modifi cation of a payment 
order by the fraudster       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/61   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Manipulation of the payer to 
make an e-money payment       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
of which fraudulent e-mone y 
payments by origin:       
Issuance of a payment order by 
the fraudst er       
Lost or stolen e-money card       
E-mone y card not received       
Counterfe it e-money card       
Card details thef t       
Unauthor ised e-money 
account transaction       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer to 
make an e-money payment       
Reason for authentication via 
non-SCA:       
Low value       
Trusted benefi ciaries       
Recur ring transaction       
Payment to self       
Secure corporate payment 
processes and protocols       
Transaction risk analysis       
Contactless low value       EN Offi cial Jour nal of the European Union L 999/62                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Unattended terminals for 
transpor t fares or parking fees       
Merch ant initiated transac­
tions (MIT)       
Other       
of which losses due to fraud per 
liability bearer: (3)       
The repor ting PSP Geo1      
The PSU of the repor ting PSP Geo1      
Others Geo1      
Cheques       
Money remittan ces       
Other pay ment services       
Total fraudulent pay ment 
transactions involving non- 
MFIs       
Payment initiation services       
Authenticated via strong custo­
mer authentication (SCA )       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
of which broken down by payment 
instr ument:       
Credit transfers       
Other       
(1) Repor ted for each schem e separatel y. 
(2) The reason for authentication via non-SCA are not broken down by scheme. 
(3) Only repor ted for the value of fraudulent transactions.   EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/63   
Table 5b is repor ted only by PSPs grant ed a derog ation pursuant to Article 4(2) and (3) on an annual basis, with a half- 
yearly breakdown . 
Table 5b 
Fraudulent pay ment transactions involving non-MFIs repor ted by repor ting agents granted a 
derogation 
(Total for the period, Geo 3(*), number of transactions in millions, value of transactions in EUR millions) 
exce pt when other wise indicated , number of transactions in millions, value of transactions in EUR millions)  
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Fraudulent credit transfer s       
Fraudulent credit transfer s (total)       
Initiate d in paper -based form       
Initiate d electronically       
of which:       
Authenticated via strong cus­
tomer authentication (SCA)       
of which fraudulent credit 
transfers by origin:       
Issuance of a payment order 
by the fraudst er       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer by 
the fraudst er to issue a pay­
ment order       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
(*) For cross-border card-based payment transactions, the residency of the counterpar t and the location of the POS are repor ted together . 
For card-based payment transactions initiated remotely , sent payment transactions are repor ted to identify the countr y of the 
receiving PSP and the countr y in whic h the point of sale is located. For card-based payment transactions initiated non-remotely , sent 
payment transactions are repor ted to identify the countr y of the receiving PSP and the countr y in whic h the physical terminal is 
located. Received payment transactions initiated remotely are repor ted to identify the countr y of the sending PSP and the countr y in 
whic h the point of sale is located. Received payment transactions initiated non-remotely are repor ted to identify the countr y of the 
sending PSP and the countr y in which the physical point of sale is located EN Offi cial Jour nal of the European Union L 999/64                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
of which fraudulent credit 
transfers by origin:       
Issuance of a payment order 
by the fraudst er       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer by 
the fraudst er to issue a pay­
ment order       
Reason for authentication via 
non-SCA:       
Low value       
Payment to self       
Trusted benefi ciaries       
Recur ring transaction       
Secure corporate payment 
processes and protocols       
Transaction Risk Analysis       
Contactless low value       
Unattended terminals for 
transpor t fares or parking 
fees       
Other       
of which:       
Initiate d by PISP       
of which losses due to fraud per 
liability bearer: (1)       
The repor ting PSP Geo1      
The PSU of the repor ting PSP Geo1      EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/65   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Others Geo1      
Fraudulent direct debits       
Fraudulent direct debits (total)       
Consent given via an electronic 
mandate       
of which fraudulent direct debits by 
origin:       
Unauthor ised payment trans­
action       
Manipulation of the payer       
Consent given in other forms       
of which fraudulent direct debits by 
origin:       
Unauthor ised payment trans­
action       
Manipulation of the payer       
of which losses due to fraud per 
liability bearer: (1)       
The repor ting PSP Geo1      
The PSU of the repor ting PSP Geo1      
Others Geo1      
Fraudulent Card-based pay ­
ment transactions       
Fraudulent card-based payment 
transactions with card-based 
payment instr uments issued by 
resident PSP [sent] / acquired by 
resident PSP (except cards with an 
e-money function only) [received]       EN Offi cial Jour nal of the European Union L 999/66                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
initiate d non-electronically       
initiate d electronically       
of which:       
with debit cards       
with dela yed debit cards       
with credit cards       
of which:       
Authenticated via strong cus­
tomer authentication (SCA)       
of which fraudulent card pay­
ments by origin:       
Issuance of a payment order 
by the fraudst er       
Lost or Stolen card       
Card Not Received       
Counterfe it card       
Card details thef t       
Others       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer to 
make a card payment       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
of which fraudulent card pay­
ments by origin:       
Issuance of a payment order 
by the fraudst er       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/67   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Lost or Stolen card       
Card Not Received       
Counterfe it card       
Card details thef t       
Others       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer to 
make a card payment       
Reason for authentication via 
non-SCA:       
Trusted benefi ciaries       
Recur ring transaction       
Contactless low value       
Unattended terminals for 
transpor t fares or parking 
fees       
Low value       
Secure corporate payment 
processes and protocols       
Transaction risk analysis       
Merch ant initiated transac­
tions (MIT)       
Other       
of which losses due to fraud per 
liability bearer: (1)       
The repor ting PSP Geo1   Geo1   EN Offi cial Jour nal of the European Union L 999/68                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
The PSU of the repor ting PSP Geo1   Geo1   
Others Geo1   Geo1   
Fraudulent cash withdraw als       
Fraudulent cash withdrawals 
using card-based payment instr u­
ments (excep t e-money transac­
tions) (total)       
with debit cards       
with dela yed debit cards       
with credit cards       
of which fraudulent cash withdr a­
wals by origin:       
Issuance of a payment order by 
the fraudst er       
Lost or stolen card       
Card Not Received       
Counterfe it card       
Other       
Manipulation of the payer to 
make a cash withdra wal       
of which losses due to fraud per 
liability bearer: (1)       
The repor ting PSP Geo1      
The PSU of the repor ting PSP Geo1      
Others Geo1      
Fraudulent e-mone y payment 
transactions       EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/69   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Fraudulent e-money payment 
transactions with e-money issued 
by resident PSPs (total)       
Authenticated via strong custo­
mer authentication (SCA )       
of which fraudulent e-mone y 
payments by origin:       
Issuance of a payment order by 
the fraudst er       
Lost or stolen e-money card       
E-mone y card not received       
Counterfe it e-money card       
Card details thef t       
Unauthor ised e-money 
account transaction       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer to 
make an e-money payment       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
of which fraudulent e-mone y 
payments by origin:       
Issuance of a payment order by 
the fraudst er       
Lost or stolen e-money card       
E-mone y card not received       EN Offi cial Jour nal of the European Union L 999/70                                                                                                                                       11.12.2020   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
Counterfe it e-money card       
Card details thef t       
Unauthor ised e-money 
account transaction       
Modifi cation of a payment 
order by the fraudster       
Manipulation of the payer to 
make an e-money payment       
Reason for authentication via 
non-SCA:       
Low value       
Trusted benefi ciaries       
Recur ring transaction       
Payment to self       
Secure corporate payment 
processes and protocols       
Transaction risk analysis       
Contactless low value       
Unattended terminals for 
transpor t fares or parking fees       
Merch ant initiated transac­
tions (MIT)       
Other       
of which losses due to fraud per 
liability bearer: (1)       
The repor ting PSP Geo1      EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/71   
Sent Received 
Total Remote Non-remote Total Remote Non-remote 
The PSU of the repor ting PSP Geo1      
Others Geo1      
Money remittan ces       
Payment initiation services       
Authenticated via strong custo­
mer authentication (SCA )       
Authenticated via non-strong 
customer authentication (non- 
SCA)       
of which broken down by payment 
instr ument:       
Credit transfers       
Other       
(1) Only repor ted for the value of fraudulent transactions.   
Table 6 is repor ted by all PSPs, excep t those grant ed derogation pursuant to Article 4(2) and (3), on a semi-annual basis. 
Table 6 
Payment transactions per type of terminal involving non-MFIs 
(Total for the period; number of transactions in millions; value of transactions in EUR millions; Geo 3 excep t 
when other wise indicated ) 
Transactions per type of terminal (1) Number Value 
a) Transactions at terminals at which transactions are 
acquired by resident PSPs with cards issued by resident 
PSPs    
of which:    
ATM cash withdrawals (excep t e-money transactions)    
ATM cash deposits (excep t e-money transactions)    
Other ATM transactions (except e-money transactions)    
POS transactions (excep t e-money transactions)   EN Offi cial Jour nal of the European Union L 999/72                                                                                                                                       11.12.2020   
Transactions per type of terminal (1) Number Value  
E-mone y card loading and unloading transactions    
E-mone y payment transactions with cards with an e-money 
function   
b) Transactions at terminals at which transactions are 
acquired by resident PSPs with cards issued by non-resi­
dent PSPs    
of which:    
ATM cash withdrawals (excep t e-money transactions)    
ATM cash deposits (excep t e-money transactions)    
Other ATM transactions (except e-money transactions)    
POS transactions (excep t e-money transactions)    
E-mone y card loading and unloading transactions    
E-mone y payment transactions with cards with an e-money 
function   
c) Transactions at terminals at which transactions are 
acquired by non-resident PSPs with cards issued by resi­
dent PSPs    
of which:    
ATM cash withdrawals (excep t e-money transactions)    
ATM cash deposits (excep t e-money transactions)    
Other ATM transactions (except e-money transactions)    
POS transactions (excep t e-money transactions)    
E-mone y card loading and unloading transactions    
E-mone y payment transactions with cards with an e-money 
function        
OTC cash withdrawals Geo 1 Geo 1 EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/73   
Transactions per type of terminal (1) Number Value  
OTC cash deposits Geo 1 Geo 1  
Cash advances at POS terminals Geo 1 Geo 1 
(1) The geographical (Geo) breakdo wns are based on the location of the termin al.   
Table 7 is repor ted by payment system operat ors. 
Table 7 
Participation in selected pay ment systems 
(End of period; number in actual units; Geo 1) 
Payment system (other than TARGET2) Number 
Number of participants  
Direct participants  
Credit institutions  
Central bank  
Other direct participants  
General Gov ernment  
Clear ing and settlement organisations  
Other financial institutions  
Others  
Indirect participants    
Table 8 is repor ted by payment system operat ors. 
Table 8 
Payments processed by selected payment systems 
(Total for the period; number of transactions in millions; value of transactions in EUR millions; Geo 4 excep t 
when other wise indicated )  
Sent 
Number Value 
Payment system (other than TARGET2) – Large value payments system 
Total transactions   
Credit transfers   EN Offi cial Jour nal of the European Union L 999/74                                                                                                                                       11.12.2020   
Sent 
Number Value 
Initiate d in paper -based form Geo 1 Geo 1 
Initiate d electronically Geo 1 Geo 1 
Direct debits   
Card-based payment transactions   
ATM cash withdrawals   
ATM cash deposits   
E-mone y payment transactions   
Cheques   
Other payment services   
Concentration ratio Geo 1 Geo 1 
Payment system (other than TARGET2) – Retail pay ments system 
Total transactions   
Credit transfers   
Initiate d in paper -based form Geo 1 Geo 1 
Initiate d electronically Geo 1 Geo 1 
of which:   
Instant Geo 1 Geo 1 
Direct debits   
Card-based payment transactions   
ATM cash withdrawals   
ATM cash deposits   
E-mone y payment transactions   
Cheques   
Other payment services   
Concentration ratio Geo 1 Geo 1   EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/75   
Table 9 is repor ted by all PSPs, excep t those grant ed a derog ation pursuant to Article 4(2) and (3), on a quar terly basis. 
Table 9 
Quar terly repor ting of pay ment transactions involving non-MFIs 
(Total for the period; Geo 6(**); number of transactions in millions; value of transactions in EUR millions)  
Sent 
Total Remote Non-remote 
Credit transfe rs    
Credit transfers (total)    
Initiate d electronically    
Direct debits    
Direct debits (total)    
Card-based pay ment transactions    
Card-based payment transactions with card-based payment 
instr uments issued by resident PSPs (except cards with an e- 
mone y function only) [sent]    
Initiate d electronically    
of which:    
MCC    
E-mone y payment transactions    
E-mone y payment transactions with e-money issued by 
resident PSPs (total)    
Cheques      
(**) Cross-border card-based payment transactions initiated remotely are repor ted to identify the countr y in whic h the point of sale is 
located, while cross-border card-based payment transactions initiated non-remotely are repor ted to identify the countr y in which 
the phys ical termin al is located. EN Offi cial Jour nal of the European Union L 999/76                                                                                                                                       11.12.2020   
Geog raphical breakdo wns                                                               
Geo 0 Geo 1 Geo 2 Geo 3 Geo 4 Geo 6 
Domestic Domestic and 
cross-border 
combined Cross-border Domestic Domestic Sing le countr y 
breakdown for all 
countr ies (1) Sing le countr y break­
down for each EEA 
member Cross-border within 
the EEA 
Rest of the world 
(cross-border outside 
the EEA) Rest of the world 
(cross-border outside 
the EEA) 
(1) Based on ISO 3166:https://www .iso.org/obp/ui/#search   EN Offi cial Jour nal of the European Union 11.12.2020                                                                                                                                       L 999/77   
ANNEX IV 
MINIMUM STAND ARDS TO BE APPLIED BY THE ACTU AL REPOR TING POPUL ATION 
Repor ting agents must fulfil the followi ng minimum standards to meet the European Central Bank’s (ECB’s) statistical 
repor ting requirements. 
1. Minimum standards for transmission: 
(a) repor ting must be timely and within the deadlines set by the relevant NCB; 
(b) statistical repor ts must take their form and format from the technical repor ting requirements set by the relevant 
NCB; 
(c) the repor ting agent must provid e the details of one or more contact persons to the relevant NCB; 
(d) the technical specific ations for data transmission to the relevant NCBs must be followe d. 
2. Minimum standards for accuracy: 
(a) statistical information must be correct: all linear constraints must be fulfilled (e.g. subt otals must add up to totals), 
and data must be consistent across all frequencies; 
(b) repor ting agents must be able to provid e information on the developments implied by the transmitted data; 
(c) statistical information must be compl ete and must not contain continuous and structural gaps; existing gaps must 
be ackn owledged, explained to the relevant NCB and, where applicable, bridged as soon as possible; 
(d) repor ting agents must follo w the rounding policy set by the relevant NCB for the technical transmission of the data. 
3. Minimum standards for compl iance with concepts : 
(a) statistical information must comply with the definitions and classificat ions contained in this Regulation; 
(b) in the event of deviations from these definitions and classif ications repor ting agents must monitor and quantify the 
difference between the measure used and the measure contained in this Regulation on a regular basis; 
(c) repor ting agents must be able to explain break s in the transmitted data compare d with the previous periods’ figures. 
4. Minimum standards for revisions: 
The revisions policy and procedures set by the ECB and the relevant NCB must be follo wed. Revisions deviating from 
regular revisions must be accompanied by explanato ry notes.   EN Offi cial Jour nal of the European Union L 999/78                                                                                                                                       11.12.2020