natgillin/translations-raw huggingface dataset:
(18) De nødvendige oplysninger bør stå i et rimeligt forhold til brugernes behov og udformes som standardoplysninger.
(18) The information required should be proportionate to the needs of users and communicated in a standard manner.
Informationskravene for en enkelt betalingstransaktion bør imidlertid afvige fra kravene i en rammeaftale om en række betalingstransaktioner.
However, the information requirements for a single payment transaction should be different from those for a framework agreement which provides for a series of payment transactions.
Informationskravene for en enkelt betalingstransaktion bør imidlertid afvige fra kravene i en rammekontrakt om en række betalingstransaktioner.
However, the information requirements for a single payment transaction should be different from those for a framework contract which provides for a series of payment transactions.
Ændringsforslaget sigter mod at skabe sammenhæng i teksten.
In order to assure the coherence of the text.
(21) For at opmuntre brugeren af betalingstjenester til uden ophør at underrette udbyderen om et eventuelt tyveri eller tab af et verifikationsinstrument og således mindske risikoen for uautoriserede transaktioner, bør brugeren kun holdes ansvarlig for et begrænset beløb, indtil han har underrettet udbyderen af betalingstjenester om tabet eller tyveriet, medmindre brugeren af betalingstjenester har handlet svigagtigt eller groft forsømmeligt.
(21) In order to provide an incentive for the payment service user to notify his provider of any theft or loss of a payment verification instrument without undue delay and thus to reduce the risk of unauthorised transactions, the user should be liable only for a limited amount until such time as he notifies the payment service provider of the loss or theft, unless the payment service user has acted fraudulently or with gross negligence.
Når brugeren har meddelt udbyderen af betalingstjenester, at hans verifikationsinstrument er bortkommet, bør brugeren ikke længere skulle dække tab som følge af uautoriseret brug af instrumentet.
Moreover, once a user has notified a payment service provider that his payment verification instrument may have been compromised, the user should not be required to cover any further losses stemming from unauthorised use of that instrument.
Hvis brugerens verifikationsinstrument ikke er bortkommet eller stjålet, vil han ikke blive draget til ansvar for eventuelle økonomiske følger af uautoriseret brug.
If the user’s payment verification instrument has not been lost or stolen, he should not bear any financial consequence of unauthorised use.
Når brugeren har meddelt udbyderen af betalingstjenester, at hans verifikationsinstrument er bortkommet, bør brugeren ikke længere skulle dække tab som følge af uautoriseret brug af instrumentet.
Moreover, once a user has notified a payment service provider that his payment verification instrument may have been compromised, the user should not be required to cover any further losses stemming from unauthorised use of that instrument .
Udbydere af betalingstjenester er ansvarlige for deres egne produkters teknisk sikkerhed.
Payment service providers are responsible for technical security of their own products.
(21a) I tilfælde af uautoriseret brug af verifikationsinstrumenter bør følgende adfærd bl.a. betragtes som grov forsømmelse:
(21a) In case of unauthorised use of verification instruments, the following behaviour should, inter alia, be considered to constitute gross negligence:
- hvis indehaveren har noteret sit personlige identifikationsnummer eller en anden kode i en letgenkendelig form, især på det elektroniske betalingsmiddel eller på en genstand eller et dokument, der opbevares eller bæres af indehaveren sammen med betalingsmidlet, og
- the noting by the holder of his personal identification number or any other code in an easily recognisable form, in particular on the electronic funds transfer instrument or on an object or document kept or carried by the holder with the instrument, and
- hvis indehaveren ikke har underrettet udstederen om, at betalingsmidlet er blevet tabt eller stjålet, så snart han blev bekendt hermed.
- the holder's failure to notify the issuer that the instrument had been lost or stolen as soon as this came to his notice.
Med henblik på at vurdere brugerens eventuelle forsømmelse bør alle kendsgerninger tages i betragtning.
In order to assess the payment service user’s negligence, account should be taken of all the circumstances.
Udstederens fremlæggelse af de nævnte oplysninger samt brugen og det forhold, at betalingsmidlet er anvendt med den kode, der kun er kendt af indehaveren, bør ikke være tilstrækkeligt til formodning om indehaverens forsømmelse.
The production by the issuer of the records mentioned and the use of the payment instrument with the code known only to the holder should not be considered sufficient evidence of the holder’s negligence.
Kontraktmæssige klausuler og betingelser vedrørende levering og brug af det elektroniske betalingsmiddel, som medfører, at forbrugerens bevisbyrde øges, eller at udstederens bevisbyrde mindskes, bør betragtes som ugyldige.
Contractual terms and conditions relating to the provision and use of the electronic funds transfer instrument, the effect of which would be to increase the burden of proof on the consumer or to reduce the burden of proof on the issuer should be considered null and void.
Dette ændringsforslag er baseret på den rådgivende ordførers ændringsforslag 63 og skal betragtes som en betragtning, der redegør for artikel 46.
The amendment is based on amendment 63 of the draftswomen and should be taken as a recital explaining Article 46.
(22) Der skal indføres bestemmelser om fordeling af tab i tilfælde af uautoriserede betalingstransaktioner.
(22) Provision should be made for the allocation of losses in the case of unauthorised payment transactions.
Disse bestemmelser skal imidlertid ikke finde anvendelse på betalingstjenestebrugere , som er virksomheder, der er større end mikrovirksomheder som defineret i Kommissionens henstilling 2003/361/EF af 6. maj 2003 om definition af mikrovirksomheder, små og mellemstore virksomheder, offentliggjort i Den Europæiske Unions Tidende den 20. maj 2003 , da sådanne virksomheder normalt har mulighed for at vurdere risikoen for svig og træffe modforanstaltninger.
However, those provisions should not apply to payment service users which are enterprises exceeding the size of a micro enterprise as defined by Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises, as published in the Official Journal of the European Union on 20 May 2003 23 , since such enterprises are normally in a position to assess the risk of fraud and take countervailing measures.
Andre bestemmelser kan finde anvendelse på betalingstjenestebrugere, som er professionelle brugere, da sådanne brugere normalt har mulighed for at vurdere risikoen for svig og træffe modforanstaltninger.
Different provisions may apply to payment service users who are professional users, since such users are normally in a position to assess the risk of fraud and take countervailing measures.
Virksomheder udfører flere betalinger end forbrugere, så de vil statistisk være udsat for flere fejl.
Corporates execute more payments than consumers so statistically will be subject to more errors.
De bør ligeledes nyde en lignende beskyttelse, men bære en større del af tabene.
They should also enjoy similar protection but bearing larger shares of losses.
(24) Da moderne fuldautomatiske betalingssystemer behandler betalingstransaktioner hurtigt, således at betalingsordrer på et givet tidspunkt ikke længere kan tilbagekaldes uden store omkostninger til manuel intervention, er det nødvendigt at fastsætte en klar frist for tilbagekaldelse af hensyn til en effektiv behandling, samtidig med at der skabes retssikkerhed for alle implicerede parter.
(24) In view of the speed with which modern fully automated payment systems process payment transactions, which means that after a certain point payment orders cannot be revoked without high manual intervention costs, it is necessary to specify a clear deadline for revocations, in order to allow efficient processing while ensuring legal certainty for all the parties involved.
Det er hensigtsmæssigt at definere dette tidspunkt som det tidspunkt, hvor udbyderen af betalingstjenesten har accepteret betalingen, og foreskrive, at dette eksplicit eller implicit bør meddeles brugeren af betalingstjenesten .
It is appropriate to define that point in time as the point of acceptance by the payment service provider and to provide that it should be communicated explicitly or implicitly to the payment service user .
(24) Da moderne fuldautomatiske betalingssystemer behandler betalingstransaktioner hurtigt, således at betalingsordrer på et givet tidspunkt ikke længere kan tilbagekaldes uden store omkostninger til manuel intervention, er det nødvendigt at fastsætte et tidspunkt, hvor en betalingsordre bliver uopsigelig, af hensyn til en effektiv behandling, samtidig med at der skabes retssikkerhed for alle implicerede parter.
(24) In view of the speed with which modern fully automated payment systems process payment transactions, which means that after a certain point payment orders cannot be revoked without high manual intervention costs, it is necessary to specify a point at which a payment order becomes irrevocable in order to allow efficient processing while ensuring legal certainty for all the parties involved.
Det er hensigtsmæssigt at definere dette tidspunkt, hvor udbyderen af betalingstjenesten har modtaget betalingsordren .
It is appropriate to define that point in time as the point at which the payment order is received by the payment service provider.
Hvis udbyderen af betalingstjenesten ikke har gennemført betalingstransaktionen, bør det dog være muligt for betalingstjenestebrugeren at anmode om, at den ikke gennemføres.
However, where the payment service provider has not processed the payment it should be possible for the payment service user to request that it not be executed.
(26) Hvad angår gebyrer, har erfaringen vist, at deling af gebyrer er det mest effektive system, da det letter straight-through processing af betalinger.
(26) With regard to fees, experience has shown that the sharing of fees between payer and payee is the most efficient system since it facilitates the straight through processing of payments.
Det bør derfor foreskrives, at gebyrer kan opkræves direkte hos betaler og betalingsmodtager af deres respektive udbydere af betalingstjenester.
Provision should therefore be made for fees to be levied directly on the payer and the payee by their respective payment service providers.
Det gælder imidlertid kun, når både betalerens og betalingsmodtagerens udbyder af betalingstjenester er etableret i Fællesskabet, og når transaktionen ikke omfatter omregning af valuta.
However, that should apply only when both the payer’s and the payee’s payment service provider are located in the Community and where the transaction does not require currency exchange.
(26) Hvad angår gebyrer, har erfaringen vist, at deling af gebyrer er det mest effektive system, da det letter straight-through processing af betalinger.
(26) With regard to fees, experience has shown that the sharing of fees between payer and payee is the most efficient system since it facilitates the straight-through processing of payments.
Det bør derfor almindeligvis foreskrives, at gebyrer kan opkræves direkte hos betaler og betalingsmodtager af deres respektive udbydere af betalingstjenester.
Provision should , in the normal course, therefore be made for fees to be levied directly on the payer and the payee by their respective payment service providers.
Selv om deling af gebyrer bør være standard, kan der aftales undtagelser, der gør det muligt for betaler eller betalingsmodtager og deres respektive betalingsudbyder at aftale at lade betaler eller betalingsmodtager bære alle omkostninger.
Aalthough fee sharing should be the norm, therefore, exceptions allowing the entire costs to be borne by the payer or the payee may be agreed between the payer or payee and their respective payment service provider.
(27) For at gøre betalinger i Fællesskabet mere effektive bør der fastsættes en maksimal gennemførelsesfrist på én dag for alle betalinger på betalerens initiativ, der ikke kræver valutaomregning , herunder overførsler og indbetalinger.
(27) In order to improve the efficiency of payments throughout the Community, a maximum one day execution time should be set for all payments initiated by the payer which do not require currency conversion, including credit transfers and money remittances.
For alle andre betalinger, som f.eks. betalinger indledt af eller via betalingsmodtageren, herunder direkte debiteringer og kortbetalinger, bør gennemførelsesfristen på en dag gælde, hvis der ikke foreligger en udtrykkelig aftale mellem udbyderen af betalingstjenester og brugeren af betalingstjenester, der fastsætter en længere gennemførelsesfrist.
For all other payments, such as payments initiated by or through the payee, including direct debits and card payments, in the absence of an explicit agreement between the payment service provider and the payment service user setting a longer execution time, the one-day execution time should apply.
Da de nationale betalingsinfrastrukturer imidlertid ofte er særdeles effektive, kan medlemsstaterne beholde bestemmelser om en kortere gennemførelsesfrist end en dag for rent nationale betalinger for at undgå en forringelse af det nuværende serviceniveau.
In the case of purely national payment, however, in view of the fact that national payment infrastructures are often highly efficient and in order to prevent any deterioration in current service levels, Member States should be allowed to maintain rules specifying an execution time shorter than one day.
(27) For at gøre betalinger i Fællesskabet mere effektive bør der sigtes mod en maksimal gennemførelsesfrist på to dage for alle betalinger på betalerens initiativ i euro og alle andre EU-valutaer , herunder overførsler og indbetalinger.
(27) In order to improve the efficiency of payments throughout the Community, a maximum two-day execution time should be aimed at all payments initiated by the payer in euro and all other EU currencies , including credit transfers and money remittances.
For alle andre betalinger, som f.eks. betalinger indledt af eller via betalingsmodtageren, herunder direkte debiteringer og kortbetalinger, bør gennemførelsesfristen på to dage også gælde, hvis der ikke foreligger en udtrykkelig aftale mellem udbyderen af betalingstjenester og brugeren af betalingstjenester, der fastsætter en længere gennemførelsesfrist.
For all other payments, such as payments initiated by or through the payee, including direct debits and card payments, in the absence of an explicit agreement between the payment service provider and the payment service user setting a longer execution time, the two-day execution time should also apply.
Da de nationale betalingsinfrastrukturer imidlertid ofte er særdeles effektive, kan medlemsstaterne , når det er hensigtsmæssigt, beholde eventuelle bestemmelser om en kortere gennemførelsesfrist end en dag for rent nationale betalinger for at undgå en forringelse af det nuværende serviceniveau.
In the case of purely national payment, however, in view of the fact that national payment infrastructures are often highly efficient and in order to prevent any deterioration in current service levels, Member States should be allowed to maintain rules specifying an execution time shorter than one day , where appropriate .
Eftersom det på nuværende tidspunkt ikke er muligt at kræve investering i systemer, der gør det lettere at gennemføre betalingstransaktioner hurtigere end inden udgangen af den anden arbejdsdag efter dagen for gennemførelse (D+2), er det ønskeligt, at alle betalingstransaktioner inden 2014 er tilgængelige for betalingsmodtageren på den første arbejdsdag efter dagen for gennemførelse.
Whereas at present it is not feasible to require investment in systems to facilitate payments more quickly than up to the end of the second business day following the day of execution (D+2), it is desirable that, by 2014, all payment transactions should be available to the payee on the first business day following the day of execution.
(27b) Der er brug for at opfordre til mobilitet blandt kreditinstitutters kunder, især ved at indføre bankkontonummer-bærbarhed eller ved at tilbyde alternative tjenester med samme mål, når de ændrer deres kreditinstitut, og ved at gøre det lettere at åbne en bankkonto i en anden medlemsstat.
(27b) There is a need to encourage the mobility of credit institutions’ customers, specifically by introducing bank account number portability, or by means of alternative services with the same aim, when changing their credit institution and by simplifying the opening of a bank account in another Member State.
(28) På grund af forskellene mellem reglerne for drift af betalingssystemer i Fællesskabet og reglerne for betalingssystemer i tredjelande, er det hensigtsmæssigt, at bestemmelserne om gennemførelse af det fulde beløb og om gennemførelsesfrister begrænses til de tilfælde, hvor både betalerens og betalingsmodtagerens udbyder af betalingstjenester er etableret i Fællesskabet.
(28) Given the differences between the rules governing the operation of payment systems within the Community and those governing payment systems in third countries, it is appropriate that the provisions on execution for the full amount and execution time be restricted to cases where the payment service providers both of the payer and of the payee are located in the Community.
(28) Bestemmelserne om gennemførelse af det fulde beløb og om gennemførelsesfrister bør være god praksis, såfremt en af udbyderne af betalingstjenester ikke er etableret i Fællesskabet.
(28) The provisions on execution for the full amount and execution time should constitute good practice where one of the payment service providers is not located in the Community.
(29) Det er vigtigt, at brugerne af betalingstjenester kender de faktiske omkostninger og gebyrer for betalingstjenester, så de kan foretage de rette valg.
(29) It is essential for the payment service user to know the real costs and charges of payment services in order to make an appropriate choice.
Derfor bør det ikke være tilladt at bruge uigennemsigtige prissætningsmetoder, da det er den almindelige opfattelse, at sådanne metoder gør det særdeles vanskeligt for brugerne at fastslå den faktiske pris for en betalingstjeneste.
Accordingly, the use of non-transparent pricing methods should not be allowed, since it is commonly accepted that those methods make it extremely difficult for users to establish the real price of the payment service.
Navnlig bør brugen af valørdatoer til skade for brugerne ikke være tilladt.
Specifically, the use of value dating to the disadvantage of the user should not be permitted.
(29) Det er vigtigt, at brugerne af betalingstjenester kender de faktiske omkostninger og gebyrer for betalingstjenester, så de kan foretage deres valg.
(29) It is essential for payment service users to know the real costs and charges of payment services in order to make their choice.
(30) For at betalingssystemet kan fungere smidigt og effektivt, skal brugeren have tillid til, at udbyderen af betalingstjenester vil gennemføre betalingstransaktionen korrekt og inden for den aftalte tid.
(30) The smooth and efficient functioning of the payment system depends on the user being able to rely on the payment service provider executing the payment transaction correctly and within the agreed time.
Formelt er der ikke meget, der kan forhindre udbyderen i at handle sådan.
However, in formal terms, there is little to prevent the provider from doing so.
For det første har udbyderen forudsætninger for at vurdere de risici, der følger med en betalingstransaktion, som han har accepteret at gennemføre.
First, the provider is in a position to assess the risks involved in the payment transaction which it has accepted for execution.
For det andet er det udbyderen, der stiller betalingssystemet til rådighed, indgår aftaler om tilbagekaldelse af fejlagtigt placerede midler og i de fleste tilfælde beslutter, hvilke formidlere der skal involveres i gennemførelsen af transaktionen.
Secondly, it is the provider which provides the payment system, makes arrangements to recall misplaced or wrongly allocated funds and decides in most cases on the intermediaries involved in the execution of a transaction.
For det tredje betyder det meget store antal betalingstransaktioner, der gennemføres, at det er nemmere for udbyderne at sprede risikoen for fejl og mangler ved betalingssystemet og lade denne risiko påvirke gebyrerne.
Thirdly, the large number of payment transactions carried out makes it easier for the provider to mutualise the risk of errors or malfunctions in the payment system and to reflect that risk in its charges.
På grund af ovenstående er det absolut relevant at tillægge udbyderen af betalingstjenester det fulde ansvar for gennemførelsen af en betalingstransaktion, som brugeren har accepteret.
In view of all those considerations, it is entirely appropriate to impose strict liability on the payment service provider in respect of the execution of a payment transaction accepted from the user.
Disse bestemmelser om absolut ansvar bør dog ikke fuldt ud finde anvendelse, hvis betalingsmodtagerens udbyder af betalingstjenester er etableret uden for Fællesskabet.
However, the provisions on strict liability should not apply in full where the payment service provider of the payee is located outside the Community.
Generelt har udbyderen forudsætninger for at vurdere de risici, der følger med en betalingstransaktion, som han har accepteret at gennemføre.
Usually, the provider is in a position to assess the risks involved in the payment transaction which it has accepted for execution.
Det er udbyderen, der stiller betalingssystemet til rådighed, indgår aftaler om tilbagekaldelse af fejlagtigt placerede midler og i de fleste tilfælde beslutter, hvilke formidlere der skal involveres i gennemførelsen af transaktionen.
It is the provider which provides the payment system, makes arrangements to recall misplaced or wrongly allocated funds and decides in most cases on the intermediaries involved in the execution of a transaction.
På grund af ovenstående er det absolut relevant at tillægge udbyderen af betalingstjenester det fulde ansvar for gennemførelsen af en betalingstransaktion, som brugeren har accepteret , med mindre der er tale om force majeure .
In view of all those considerations, it is entirely appropriate , except where there is force majeure , to impose strict liability on the payment service provider in respect of the execution of a payment transaction accepted from the user.
BETRAGTNING 31 A (ny)
RECITAL 31 A (new)
(31a) Dette direktiv har til formål at sikre virkningen af betalingsinstrumenter, som anvendes effektivt flere gange om året i nogle medlemsstater, og som i ringe grad risikerer at hindre gennemførelsen af dette direktivs mål.
(31a) This Directive should safeguard the effectiveness of payment instruments, which are used very effectively and in a large number of annual transactions in some Member States and which present negligible risks to the aims of this Directive.
BETRAGTNING 32
RECITAL 32
(32) For at muliggøre en effektiv bekæmpelse af svig og bekæmpe svig i hele Fællesskabet bør der indføres bestemmelser om en effektiv udveksling af oplysninger mellem udbydere af betalingstjenester, der bør have mulighed for at indsamle, behandle og udveksle personlige oplysninger om de personer, der er involveret i betalingssvig.
(32) In order to facilitate effective fraud prevention and combat payment fraud across the Community, provision should be made for the efficient exchange of data between payment service providers who should be allowed to collect, process and exchange personal data relating to persons involved in payment fraud.