natgillin/translations-raw huggingface dataset:
Yderligere krav om underrettelse af betaleren, særligt hvad angår årsag, art, beløbets størrelse og formål med betalingen, forbliver uberørte.
This shall not affect any other requirements to transmit information to the payer, particularly as regards the reasons for, type, amount and purpose of the payment.
Fritagelsen kan kun ske, hvis betalingsmodtageren:
This exemption can only be granted if the payee:
- giver betaleren ret til at tilbageføre betalingen også uden angivelse af årsag ved hjælp af en simpel erklæring over for dennes egen udbyder af betalingstjenester inden mindst seks uger efter betalingen er kommet til kundskab.
– accords the payer the right to recall the payment, even without providing reasons, by a simple declaration to his own payment service provider within at least six weeks of receiving notification of the payment transaction,
- selv eller via sin udbyder af betalingstjenester sikrer, at det oprindelige beløb og hele beløbet uden videre straks sættes ind på betalerens konto igen og
– ensures, directly or through his payment service provider, that the sum originally debited is immediately credited in full to the payer’s account, without the need for any further action by the latter,
- fritstiller betaleren fra alle omkostninger i forbindelse med tilbagekaldelsen, medmindre der var tale om misbrug af tilbagekaldelsen set i lyset af betalerens ansvar i det retsforhold, der ligger til grund herfor, og han derfor kan gøre sit eget krav på betaling af omkostningerne gældende.
– indemnifies the payer against any costs in connection with recalling the payment, unless that action disregards the obligations imposed on the payer by the underlying legal relationship and, consequently, the payee can assert his right in turn to the reimbursement of costs.
Implementeringen i lovteksten af debitering, som praktiseres i stor udstrækning i nogle medlemsstater (f.eks. i Tyskland, hvor der er ca. seks milliarder af sådanne transaktioner om året, hovedsageligt som betaling af små og meget små beløb med regelmæssige mellemrum).
The amendment seeks to ensure the directive covers the direct debit procedure which is practised to a great extent in a few Member States (for example in Germany, where there are around six billion such transactions a year, mainly for the payment of small and very small sums at regular intervals).
Denne procedure anses både af udbydere og brugere af betalingstjenester som effektiv, pålidelig og billig, og fra brugerens synsvinkel er der kun ringe fare for at systemet bliver misbrugt, således at tab skal dækkes af udbyderen.
This procedure is regarded by payment service providers and users alike as very efficient, reliable and inexpensive and, from the user’s point of view, offers a very low risk of the system being abused, with any resulting losses being met by the payment service provider.
De foreslåede bestemmelser sikrer, at denne form for betalingsmiddel fortsat kan anvendes i adskillige medlemsstater for at sikre, at brugere ikke risikerer, at blive forpligtet til at anvende mere komplicerede og dyre procedurer.
The proposed provisions should ensure that this form of payment instrument can continue to be used in various Member States to ensure users are not faced with the prospect of being obliged to use more complicated and costly procedures.
ARTIKEL 54
ARTICLE 54
Medlemsstaterne skal sikre, at tidspunktet for accept af en betalingsordre afgivet af en betaler eller af eller via en betalingsmodtager omfattet af betalerens autorisering indtræder, når følgende tre betingelser er opfyldt:
Member States shall ensure that , in the case of a payment order initiated by a payer, or by or through a payee, and covered by the authorisation of a payer, the point in time of acceptance occurs when the following three conditions are met:
(i) udbyderen af betalingstjenester har modtaget betalingsordren
(i) the payment service provider has received the payment order;
ii) udbyderen af betalingstjenester har afsluttet autentificeringen af ordren, herunder eventuelt kontrolleret, at der er disponible midler
(ii) the payment service provider has completed authentication of the order, including a possible check on the availability of funds;
(iii) udbyderen af betalingstjenester har eksplicit eller implicit accepteret forpligtelsen til at gennemføre den ønskede betalingstransaktion.
(iii) the payment service provider has explicitly or implicitly accepted the obligation to execute the payment transaction ordered.
Dette accepttidspunkt må ikke være senere end det tidspunkt, hvor udbyderen af betalingstjenester iværksætter gennemførelsen af betalingstransaktionen.
The point in time of acceptance shall not be later than the point in time when the payment service provider starts to execute the payment transaction.
Medlemsstaterne skal sikre, at en betalingsordre autoriseret af en betaler, uanset om den fremsendes direkte af betaleren eller indirekte af eller via en betalingsmodtager på betalerens vegne, behandles på følgende måde af betalerens udbyder af betalingstjenester.
Member States shall ensure that a payment order covered by the authorisation of a payer, regardless of whether it is transmitted directly by the payer or indirectly by or through a payee on the payer's behalf, is processed in the following manner by the payer's payment service provider.
Uanset om betalerens udbyder af betalingstjenester er involveret i den proces, der går forud for afgivelsen og fremsendelsen af betalingsordren, skal den arbejdsdag, hvorpå den fulde og gyldige ordre modtages af betalerens udbyder af betalingstjenester, være modtagelsesdagen.
Notwithstanding any involvement by the payer's payment service provider in the process leading up to the creation and submission of the payment order, the business day on which the complete and valid payment order is received by the payer's payment service provider shall be the day of receipt.
Hvis betalingsordren modtages før det skæringstidspunkt, der er fastsat af udbyderen af betalingstjenester (der ikke må være før kl. 17.00), eller hvor brugeren af betalingstjenester personligt afgiver ordren til et af betalingstjenesteudbyderens kontorer en time før lukningen af det kontor, alt efter hvilket tidspunkt der er først, skal modtagelsesdagen også være acceptdagen, medmindre betalerens udbyder af betalingstjenester har afvist at gennemføre betalingstransaktionen i henhold til artikel 55.
If the payment order is received prior to a cut-off time set by the payment service provider, which shall be no earlier than 17:00, or where the payment service user delivers instructions in person to an office of the payment service provider, one hour before the close of business of that office, whichever is the earlier, the day of receipt shall also be the day of acceptance unless the payer's payment service provider has refused the execution of the payment order as provided in Article 55.
Hvis betalingsordren ikke modtages inden for det skæringstidspunkt, der er blevet fastsat af udbyderen af betalingstjenester, er acceptdagen den næste arbejdsdag efter modtagelsen, medmindre betalerens udbyder af betalingstjenester denne dag har afvist at gennemføre betalingstransaktionen i henhold til artikel 55.
If the payment order is not received prior to the cut-off time set by the payment service provider, the day of acceptance shall be the business day after the day of receipt unless the payer's payment service provider has refused the execution of the payment order as provided in Article 55 on that day.
Dagen for gennemførelse af betalingsordren skal være samme dag som acceptdagen, men hvis brugeren af betalingstjenester anmoder om en senere dag for gennemførelse, skal dagen for gennemførelse være den arbejdsdag, der fastsættes af brugeren af betalingetjenester.
The day of execution of the payment order shall be the same day as the day of acceptance except where a later execution day is requested by the payment service user the day of execution shall be that business day stipulated by the payment service user.
Alle henvisninger til dage og tidspunkter i denne artikel henviser til de dage og tidspunkter, der er gældende på det sted, hvor betalerens udbyder af betalingstjenester er etableret.
All references to days and times in this Article shall refer to the day and time in the location of the payer's payment services provider.
Hvad angår betalingstransaktioner, der er bestilt elektronisk, skal udbyderen af betalingstjenester meddele brugeren af betalingstjenester, at ordren er accepteret til gennemførelse.
In the case of electronically initiated payment transactions, the payment service provider shall inform the payment service user of acceptance of the order for execution.
Dette skal ske uden ophør og under alle omstændigheder senest inden afslutningen af den næste arbejdsdag efter tidspunktet for accept ifølge stk. 1.
He shall do so without undue delay and, in any case, before the end of the next working day after the point in time of acceptance under paragraph 1.
Hvis betalingsordren afvises, skal grundene til afvisningen, og om muligt proceduren for korrektion af eventuelle faktuelle fejl, der har ført til afvisningen, meddeles brugeren af betalingstjenester ved hjælp af et kommunikationsmiddel, som parterne har aftalt i den henseende.
Where the payment order is refused, the reasons for the refusal and, if possible, the procedure for correcting any factual mistakes that led to the refusal shall be notified to the payment service user by means of a communication agreed for that purpose by the parties.
Dette skal ske hurtigst muligt og under alle omstændigheder inden tre arbejdsdage regnet fra tidspunktet for accept ifølge artikel 54, stk. 1.
Notification shall be made without undue delay and, in any case, within three working days of the point in time of acceptance under Article 54(1).
Hvis alle betingelserne i betalingstjenesteaftalen, jf. artikel 31, er opfyldt, må betalerens udbyder af betalingstjenester ikke afvise at gennemføre en betalingsordre , der er bestilt via en anden udbyder af betalingstjenester end indehaveren af betalerens betalingskonto, og som er omfattet af betalerens autorisering.
In cases where all the conditions set out in the payment service contract in accordance with Article 31 are met, the payer’s payment service provider shall not refuse to execute a payment order which has been initiated through a payment service provider other than the holder of the payer's payment account and which is covered by the authorisation given by the payer.
Betalerens udbyder af betalingstjenester kan kun afvise at gennemføre en betalingsordre, som er omfattet af betalerens autorisering , hvis:
The payer’s payment service provider may refuse to execute a payment order which is covered by the authorisation given by the payer, only if:
a) der ikke er tilstrækkelige midler til at dække betalingen
(a) the payment is not sufficiently covered by funds;
b) betaleren ikke har givet udbyderen af betalingstjenester de nødvendige oplysninger til gennemførelse af betalingen som fastlagt i aftalen om betalingstjenesten i overensstemmelse med artikel 31, stk. 1, litra b), nr. (i) eller
(b) the payer has not provided its payment service provider with the necessary information for the execution of the payment as agreed in the payment service contract in accordance with Article 31(1) (b)(i); or
c) gennemførelsen af betalingen er i strid med fællesskabslovgivning eller national lovgivning.
(c) the execution of the payment is prohibited by Community or national legislation.
Hvis betalerens betalingstjenesteudbyder afviser at gennemføre en betalingsordre, skal udbyderen af betalingstjenesten underrette betaleren herom uden ophør og under alle omstændigheder ikke senere end udgangen af den dag, der ville have været acceptdagen, medmindre den er i strid med anden relevant fællesskabslovgivning eller national lovgivning.
Where the payer's payment service provider refuses to execute a payment order, the payer shall be sent notification to this effect by its payment service provider without undue delay, and in any event no later than the end of what would have been the day of acceptance if not prohibited by other relevant Community or national legislation.
Meddelelsen skal angive årsagen til afslaget og eventuelt faktuelle fejl, der har ført til afvisningen
The notification shall state the reason for the refusal and, where relevant, shall identify any factual mistakes which led to the refusal.
ARTIKEL 56
ARTICLE 56
Uden at det berører artikel 46 skal medlemsstaterne sikre, at brugeren af betalingstjenesten ikke kan tilbagekalde en betalingsordre efter det tidspunkt, hvor betalerens udbyder har accepteret betalingsordren, hvad angår betalinger indledt af betaleren, eller betalingsmodtagerens udbyder af betalingstjenester, hvad angår betalinger indledt af eller via betalingsmodtageren.
Without prejudice to Article 46, Member States shall ensure that the payment service user may not revoke a payment order after the time of its acceptance by the payer's payment service provider for payments initiated by the payer or by the payee's payment service provider for payments initiated by or through the payee.
Medlemsstaterne skal sikre, at en bruger af betalingstjenesten ikke har ret til at tilbagekalde en betalingsordre , når betalerens udbyder først har modtaget den eller anset den for gyldig.
Member States shall ensure that a payment service user shall not be entitled to revoke a payment order once it has been received or considered as valid by the payer's payment service provider.
Dette skal ikke forhindre udbyderen af betalingstjenester i at aftale et tidligere tidspunkt for uigenkaldelighed med sin kunde.
This shall not prevent a payment service provider from agreeing an earlier point of irrevocability with his client.
Hvad angår en betalingsordre, der skal udføres på en bestemt fremtidig dato, kan udbyderen og brugeren af betalingstjenester aftale en dato for uigenkaldelighed, der falder inden for de tre arbejdsdage, der går forud for tidspunktet for accept af ordren.
In the case of a payment order to be executed on a specific date in the future, the payment service provider and the payment service user may agree on a date of irrevocability that falls within the three working days preceding the point in time of acceptance for the order.
ARTIKEL 57
ARTICLE 57
Når en betalingstransaktion udelukkende gennemføres i en medlemsstats valuta og ikke involverer valutaomregning, og når både betalerens og betalingsmodtagerens udbydere af betalingstjenester er etableret i Fællesskabet , skal medlemsstaterne kræve, at gebyrer opkræves direkte hos betaler og betalingsmodtager af deres respektive udbydere af betalingstjenester, således at de hver især betaler deres egne gebyrer.
Where a payment transaction is carried out solely in the currency of a Member State and does not involve any currency exchanges and where the payment service providers of both the payer and the payee are located in the Community, Member States shall require that any fees be levied directly on the payer and the payee by their respective payment service providers, and that they each bear their own fees.
Når en betalingstransaktion ikke involverer valutaomregning, skal medlemsstaterne kræve, at gebyrer opkræves direkte hos betaler og betalingsmodtager af deres respektive udbydere af betalingstjenester, således at de hver især betaler deres egne gebyrer , medmindre betaleren eller betalingsmodtageren har truffet anden aftale med deres respektive udbydere af betalingstjenester.
Where a payment transaction does not involve any currency exchanges , unless there is an agreement to the contrary between the payer or the payee and their respective payment service provider, Member States shall require that any fees be levied directly on the payer and the payee by their respective payment service providers, and that they each bear their own fees.
Hvis der er tale om andre betalingstransaktioner kan betaler og betalingsmodtager ved fælles overenskomst ændre disse krav.
In the case of other payment transactions, the payer and the payee may, by mutual agreement, vary those requirements.
ARTIKEL 58
ARTICLE 58
Når både betalerens og betalingsmodtagerens betalingstjenesteudbyder er etableret i Fællesskabet, og når betalingstransaktionen udelukkende gennemføres i en medlemsstats valuta, skal medlemsstaterne kræve, at betalerens udbyder af betalingstjenester sikrer, at betalingsmodtageren modtager det fulde transaktionsbeløb.
Where the payment service providers both of the payer and of the payee are located in the Community and where the payment transaction is carried out solely in the currency of a Member State , Member States shall require the payer's payment service provider to ensure that the full amount of the payment transaction is received by the payee.
Mellemmænd må ikke fratrække gebyrer fra det overførte beløb.
Intermediaries shall not deduct fees from the amount transferred.
Der kan imidlertid indgås udtrykkelige aftaler mellem betalingsmodtageren og dennes udbyder af betalingstjenester om at fratrække sidstnævntes gebyrer fra det overførte beløb , før det krediteres betalingsmodtageren .
However, explicit agreements may be arranged between the payee and his payment service provider under which the latter may deduct his own fees from the amount transferred before crediting it to the payee.
Medlemsstaterne skal kræve, at betalerens udbyder af betalingstjenester sikrer, at betalingsmodtagerens udbyder af betalingstjenester modtager det fulde transaktionsbeløb.
Member States shall require the payer's payment service provider to ensure that the full amount of the payment transaction is received by the payment service provider of the payee.
Ingen betalingstjenesteudbyder, herunder mellemmænd, må fratrække gebyrer fra det overførte beløb.
No payment service provider, including intermediaries shall deduct fees from the amount transferred.
Eventuelle gebyrer skal faktureres særskilt.
Any fees shall be billed separately.
Der kan imidlertid indgås udtrykkelige aftaler , der afviger herfra, mellem betaleren eller betalingsmodtageren og deres udbydere af betalingstjenester om at gebyrer fra det overførte beløb , kan fratrækkes .
However, explicit agreements deviating from this may be arranged between the payer or the payee and their payment service providers under which fees from the amount transferred may be deducted.
Medlemsstaterne skal i nedenstående situationer kræve, at udbyderen af betalingstjenester giver en bona fide vurdering af de fradrag, der eventuelt kan finde anvendelse på betalingstransaktionen:
Member States shall, in either of the following situations, require the payment service provider to give a bona fide estimate of any deductions to be envisaged for the payment transaction:
(a) når både betalers og betalingsmodtagers udbyder er etableret i Fællesskabet, men betalingstransaktionen helt eller delvist gennemføres i en anden valuta end en medlemsstats
(a) where the payment service providers of both the payer and the payee are located in the Community, but the payment transaction is denominated, in whole or in part, in a currency other than that of a Member State ;
(b) når hverken betalers eller betalingsmodtagers udbyder er etableret i Fællesskabet.
(b) where the payment service provider of either the payer or the payee is not located in the Community.
Denne afdeling finder kun anvendelse, når både betalers og betalingsmodtagers udbyder er etableret i Fællesskabet.
This Section shall apply only if the payment service providers of both the payer and the payee are located in the Community.
Bestemmelserne finder ikke anvendelse på betalingstransaktioner, der betragtes som mikrobetalinger.
It shall not apply to payment transactions which are considered to be micro payments.
Bestemmelserne i denne afdeling finder ikke anvendelse på betalingstransaktioner, der betragtes som mikrobetalinger.
This section shall not apply to payment transactions which are considered to be micro payments.
ARTIKEL 60
ARTICLE 60
Medlemsstaterne skal kræve, at betalers udbyder af betalingstjenester sikrer, at ordrebeløbet efter accepttidspunktet krediteres betalingsmodtagerens betalingskonto senest ved udgangen af den første arbejdsdag efter accepttidspunktet .
Member States shall require the payer’s payment service provider to ensure that, after the point in time of acceptance, the amount ordered is credited to the payee’s payment account at the latest at the end of the first working day following the point in time of acceptance.
Indtil den 1. januar 2010 kan betaleren og dennes udbyder af betalingstjenester imidlertid aftale en længere frist end tre dage.
However, up to 1 January 2010, a payer and his payment service provider may agree on a period no longer than three days.
Medlemsstaterne skal kræve, at betalers udbyder af betalingstjenester sikrer, at ordrebeløbet krediteres betalingsmodtagerens betalingstjenesteudbyders betalingskonto senest ved udgangen af den anden arbejdsdag efter dagen for gennemførelse som defineret i artikel 54.
Member States shall require the payer’s payment service provider to ensure that the amount ordered is credited to the payment account of the payee's payment service provider at the latest at the end of the second business day following the day of execution as defined in Article 54.
Hvis transaktionen imidlertid indledes af betaleren og medfører en valutaomregning, kan betaleren og dennes udbyder af betalingstjenester fastsætte andre bestemmelser ved udtrykkelig aftale.
Where the transaction is initiated by the payer and includes a currency conversion, the payer and his payment service provider may provide otherwise by explicit agreement.
ARTIKEL 61
ARTICLE 61
Betalingstransaktioner indledt af eller via betalingsmodtageren
Payment transactions initiated by or through the payee
Når en betalingstransaktion indledes af eller via betalingsmodtageren, skal medlemsstaterne kræve, at betalingstjenesteudbyderen sørger for, at det beløb, der er angivet på betalingsordren krediteres betalingsmodtagerens konto senest den første arbejdsdag efter accepttidspunktet, medmindre betaleren og dennes betalingstjenesteudbyder udtrykkeligt har truffet anden aftale
For a payment transaction initiated by or through the payee, Member States shall require the payment service provider to ensure that, after the point of time of acceptance, the amount ordered is credited to the payee’s payment account at the latest at the end of the first working day following the day on which the point in time of acceptance falls, unless otherwise explicitly agreed between the payee and his payment service provider.
Hvis betalerens udbyder af betalingstjenester afviser at frigive de midler, der indgår i betalingstransaktionen, skal udbyderen af betalingstjenester inden for den frist, der er nævnt i stk. 1, underrette betalingsmodtageren herom ved hjælp af et kommunikationsmiddel, som parterne har aftalt i den henseende.
If the payer’s payment service provider refuses to release the funds which are the subject of the payment transaction, the payment service provider shall, within the period specified in paragraph 1, inform the payee accordingly by means of a communication agreed for that purpose by the parties.
I det tilfælde vil betalingstjenesteudbyderen have opfyldt sine forpligtelser ifølge stk. 1 i denne artikel og artikel 58.
The payment service provider shall be deemed to have fulfilled its obligations under paragraph 1 of this Article and under Article 58.
ARTIKEL 65
ARTICLE 65
Rådighed over midler på en betalingskonto
Availability of funds on a payment account
Betalerens udbyder af betalingstjenester skal ophøre med at stille midlerne til betalerens rådighed, så snart midlerne er debiteret betalerens konto.
The payment service provider of the payer shall cease to make funds available to the payer as soon as those funds are debited from the payer’s payment account.