natgillin/translations-raw huggingface dataset:
Målet for dette direktiv, nemlig yderligere integration af et indre marked for betalingstjenester, kan ikke i tilstrækkelig grad opfyldes af medlemsstaterne, da det kræver harmonisering af en lang række forskellige regler, der på nuværende tidspunkt findes i de forskellige medlemsstaters retssystemer, men kan på grund af dets omfang og virkninger bedre nås på EU-plan; Unionen kan derfor træffe foranstaltninger i overensstemmelse med nærhedsprincippet, jf. artikel 5 i traktaten om Den Europæiske Union.
The Commission, when preparing and drawing up delegated acts, should ensure a simultaneous, timely and appropriate transmission of relevant documents to the European Parliament and to the Council.
I overensstemmelse med proportionalitetsprincippet, jf. nævnte artikel, går direktivet ikke videre, end hvad der er nødvendigt for at nå dette mål.
In order to ensure consistent application of this Directive, the Commission should be able to rely on the expertise and support of EBA, which should have the task of elaborating guidelines and preparing draft regulatory technical standards on security aspects of payment services in particular with regard to strong customer authentication, and on cooperation between Member States in the context of the provision of services and establishment of authorised payment institutions in other Member States.
I henhold til den fælles politiske erklæring af 28. september 2011 fra medlemsstaterne og Kommissionen om forklarende dokumenter [26] har medlemsstaterne forpligtet sig til, i tilfælde hvor det er berettiget, at lade meddelelsen af gennemførelsesforanstaltninger ledsage af et eller flere dokumenter, der forklarer forholdet mellem et direktivs bestanddele og de tilsvarende dele i de nationale gennemførelsesinstrumenter.
The Commission should be empowered to adopt those draft regulatory technical standards.
I forbindelse med dette direktiv finder lovgiver, at fremsendelse af sådanne dokumenter er berettiget.
Those specific tasks are fully in line with the role and responsibilities of EBA as provided in Regulation (EU) No 1093/2010.
Den Europæiske Tilsynsførende for Databeskyttelse er blevet hørt i overensstemmelse med artikel 28, stk. 2, i forordning (EF) nr. 45/2001 og afgav en udtalelse den 5. december 2013 [27].
EBA should, when developing guidelines, draft regulatory technical standards and draft implementing technical standards pursuant to this Directive and in accordance with Regulation (EU) No 1093/2010, ensure that it consults all relevant stakeholders, including those in the payment services market, reflecting all interests involved.
Direktiv 2002/65/EF, 2009/110/EF, 2013/36/EU og forordning (EU) nr. 1093/2010 bør derfor ændres i overensstemmelse hermed.
If necessary for getting a proper balance of views, EBA should make a particular effort to obtain the views of relevant non-bank actors.
I betragtning af antallet af nødvendige ændringer i direktiv 2007/64/EF bør direktivet ophæves og erstattes —
Since the objective of this Directive, namely the further integration of an internal market in payment services, cannot be sufficiently achieved by the Member States because it requires the harmonisation of a multitude of different rules currently existing in the legal systems of the various Member States but can rather, because of its scale and effects, be better achieved at Union level, the Union may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty on European Union.
AFSNIT I
In accordance with the Joint Political Declaration of 28 September 2011 of Member States and the Commission on explanatory documents [26], Member States have undertaken to accompany, in justified cases, the notification of their transposition measures with one or more documents explaining the relationship between the components of a Directive and the corresponding parts of national transposition instruments.
Artikel 1
The European Data Protection Supervisor was consulted in accordance with Article 28(2) of Regulation (EC) No 45/2001 and delivered an opinion on 5 December 2013 [27].
Genstand
Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010 should therefore be amended accordingly.
Ved dette direktiv fastsættes regler, i henhold til hvilke medlemsstaterne sondrer mellem følgende kategorier betalingstjenesteudbydere:
Given the number of changes that need to be made to Directive 2007/64/EC it is appropriate to repeal and replace it,
kreditinstitutter som defineret i artikel 4, stk. 1, nr. 1), i Europa-Parlamentets og Rådets forordning (EU) nr. 575/2013 [28], herunder filialer heraf som defineret i den i nævnte forordnings artikel 4, stk. 1, nr. 17), når sådanne filialer er beliggende i Unionen, hvad enten disse filialers hovedkontorer er beliggende i Unionen eller, i overensstemmelse med artikel 47 i direktiv 2013/36/EU og national ret, uden for Unionen
HAVE ADOPTED THIS DIRECTIVE:
e-pengeinstitutter som defineret i artikel 2, nr. 1), i direktiv 2009/110/EF, herunder, i overensstemmelse med artikel 8 i nævnte direktiv og med national ret, filialer heraf, hvis sådanne filialer er beliggende i Unionen, og deres hovedkontor er beliggende uden for Unionen, i det omfang de betalingstjenester, som udbydes af disse filialer, har forbindelse til udstedelse af elektroniske penge
TITLE I
postgirokontorer, der ifølge national ret har ret til at udbyde betalingstjenester
SUBJECT MATTER, SCOPE AND DEFINITIONS
betalingsinstitutter
Article 1
ECB og nationale centralbanker, når de ikke handler i deres egenskab af pengepolitiske myndigheder eller andre offentlige myndigheder
Subject matter
medlemsstater eller deres regionale eller lokale myndigheder, når de ikke handler i deres egenskab af offentlige myndigheder.
This Directive establishes the rules in accordance with which Member States shall distinguish between the following categories of payment service provider:
Dette direktiv fastsætter endvidere regler for:
credit institutions as defined in point (1) of Article 4(1) of Regulation (EU) No 575/2013 of the European Parliament and of the Council [28], including branches thereof within the meaning of point (17) Article 4(1) of that Regulation where such branches are located in the Union, whether the head offices of those branches are located within the Union or, in accordance with Article 47 of Directive 2013/36/EU and with national law, outside the Union;
gennemsigtighed i betingelser for og oplysningskrav til betalingstjenester, og
electronic money institutions within the meaning of point (1) of Article 2 of Directive 2009/110/EC, including, in accordance with Article 8 of that Directive and with national law, branches thereof, where such branches are located within the Union and their head offices are located outside the Union, in as far as the payment services provided by those branches are linked to the issuance of electronic money;
betalingstjenestebrugeres og betalingstjenesteudbyderes respektive rettigheder og forpligtelser, hvad angår udbud af betalingstjenester som fast beskæftigelse eller forretningsaktivitet.
post office giro institutions which are entitled under national law to provide payment services;
Artikel 2
payment institutions;
Anvendelsesområde
the ECB and national central banks when not acting in their capacity as monetary authority or other public authorities;
Dette direktiv finder anvendelse på betalingstjenester, der udbydes i Unionen.
Member States or their regional or local authorities when not acting in their capacity as public authorities.
2.
This Directive also establishes rules concerning:
Afsnit III og IV finder anvendelse på betalingstransaktioner i en medlemsstats valuta, hvis både betalerens og betalingsmodtagerens betalingstjenesteudbyder eller den eneste betalingstjenesteudbyder, der er involveret i betalingstransaktionen, er beliggende i Unionen.
the transparency of conditions and information requirements for payment services; and
3.
the respective rights and obligations of payment service users and payment service providers in relation to the provision of payment services as a regular occupation or business activity.
Afsnit III, med undtagelse af artikel 45, stk. 1, litra b), artikel 52, stk. 2, litra e), og artikel 56, litra a), samt afsnit IV, med undtagelse af artikel 81-86, finder anvendelse på betalingstransaktioner i en valuta, der ikke er en medlemsstats valuta, hvis både betalerens og betalingsmodtagerens betalingstjenesteudbyder eller den eneste betalingstjenesteudbyder, der er involveret i betalingstransaktionen, er beliggende i Unionen, for så vidt angår de dele af betalingstransaktionen, der gennemføres i Unionen.
Article 2
4.
Scope
Afsnit III, med undtagelse af artikel 45, stk. 1, litra b), artikel 52, stk. 2, litra e), artikel 52, stk. 5, litra g), og artikel 56, litra a), samt afsnit IV, med undtagelse af artikel 62, stk. 2 og 4, artikel 76, 77 og 81, artikel 83, stk. 1, samt artikel 89 og 92, finder anvendelse på betalingstransaktioner i alle valutaer, hvor kun en af betalingstjenesteudbyderne er beliggende i Unionen, for så vidt angår de dele af betalingstransaktionen, der gennemføres i Unionen.
This Directive applies to payment services provided within the Union.
Medlemsstaterne kan undtage de institutter, der er omhandlet i artikel 2, stk. 5, nr. 4)-23), i direktiv 2013/36/EU, fra anvendelsen af alle eller en del af bestemmelserne i nærværende direktiv.
Titles III and IV apply to payment transactions in the currency of a Member State where both the payer’s payment service provider and the payee’s payment service provider are, or the sole payment service provider in the payment transaction is, located within the Union.
Artikel 3
Title III, except for point (b) of Article 45(1), point (2)(e) of Article 52 and point (a) of Article 56, and Title IV, except for Articles 81 to 86, apply to payment transactions in a currency that is not the currency of a Member State where both the payer’s payment service provider and the payee’s payment service provider are, or the sole payment service provider in the payment transaction is, located within the Union, in respect to those parts of the payments transaction which are carried out in the Union.
Undtagelser
Title III, except for point (b) of Article 45(1), point (2)(e) of Article 52, point (5)(g) of Article 52 and point (a) of Article 56, and Title IV, except for Article 62(2) and (4), Articles 76, 77, 81, 83(1), 89 and 92, apply to payment transactions in all currencies where only one of the payment service providers is located within the Union, in respect to those parts of the payments transaction which are carried out in the Union.
Dette direktiv finder ikke anvendelse på følgende:
Member States may exempt institutions referred to in points (4) to (23) of Article 2(5) of Directive 2013/36/EU from the application of all or part of the provisions of this Directive.
betalingstransaktioner, der udelukkende foretages kontant direkte fra betaleren til betalingsmodtageren uden noget mellemled
Article 3
betalingstransaktioner fra betaleren til betalingsmodtageren gennem en handelsagent, som ved aftale har tilladelse til at forhandle eller afslutte salg eller køb af varer eller tjenesteydelser på vegne af enten kun betaleren eller kun betalingsmodtageren
Exclusions
erhvervsmæssig fysisk transport af sedler og mønter, herunder afhentning, håndtering og levering heraf
This Directive does not apply to the following:
betalingstransaktioner, der indebærer ikkeerhvervsmæssig indsamling og levering af kontanter inden for rammerne af almennyttig virksomhed
payment transactions made exclusively in cash directly from the payer to the payee, without any intermediary intervention;
tjenester, hvor kontant betaling fra betalingsmodtager til betaler foretages som en del af en betalingstransaktion efter udtrykkelig anmodning fra betalingstjenestebrugeren umiddelbart før gennemførelsen af betalingstransaktionen ved en betaling for køb af varer eller tjenesteydelser
payment transactions from the payer to the payee through a commercial agent authorised via an agreement to negotiate or conclude the sale or purchase of goods or services on behalf of only the payer or only the payee;
kontante valutavekslingstransaktioner, hvor midlerne ikke indestår på en betalingskonto
professional physical transport of banknotes and coins, including their collection, processing and delivery;
betalingstransaktioner baseret på et af følgende dokumenter, der er trukket på betalingstjenesteudbyderen med henblik på at give betalingsmodtageren rådighed over midler:
payment transactions consisting of the non-professional cash collection and delivery within the framework of a non-profit or charitable activity;
papirchecks som defineret i Genèvekonventionen af 19. marts 1931 om indførelse af en ensartet checklov
services where cash is provided by the payee to the payer as part of a payment transaction following an explicit request by the payment service user just before the execution of the payment transaction through a payment for the purchase of goods or services;
papirchecks lignende de i nr. i) omhandlede og reguleret af lovgivningen i medlemsstater, som ikke er parter i Genèvekonventionen af 19. marts 1931 om indførelse af en ensartet checklov
cash-to-cash currency exchange operations where the funds are not held on a payment account;
papirbaserede veksler i overensstemmelse med Genèvekonventionen af 7. juni 1930 om indførelse af en ensartet veksellovgivning
payment transactions based on any of the following documents drawn on the payment service provider with a view to placing funds at the disposal of the payee:
papirbaserede veksler lignende de i nr. iii) omhandlede og reguleret af lovgivningen i medlemsstater, som ikke er parter i Genèvekonventionen af 7. juni 1930 om indførelse af en ensartet veksellovgivning
paper cheques governed by the Geneva Convention of 19 March 1931 providing a uniform law for cheques;
papirbaserede vouchers
paper cheques similar to those referred to in point (i) and governed by the laws of Member States which are not party to the Geneva Convention of 19 March 1931 providing a uniform law for cheques;
papirbaserede rejsechecks
paper-based drafts in accordance with the Geneva Convention of 7 June 1930 providing a uniform law for bills of exchange and promissory notes;
papirbaserede postanvisninger som defineret af Verdenspostforeningen
paper-based drafts similar to those referred to in point (iii) and governed by the laws of Member States which are not party to the Geneva Convention of 7 June 1930 providing a uniform law for bills of exchange and promissory notes;
betalingstransaktioner, der er gennemført inden for rammerne af et system til afvikling af betalinger eller værdipapirer, mellem afviklingsagenter, centrale modparter, clearinginstitutter og/eller centralbanker og andre deltagere i systemet og betalingstjenesteudbydere, jf. dog artikel 35
paper-based vouchers;
betalingstransaktioner vedrørende formueforvaltning i forbindelse med værdipapirer, herunder udbytter, indkomster eller andre udlodninger, eller indfrielse eller salg, der foretages af de i litra h) omhandlede personer eller af investeringsselskaber, kreditinstitutter, institutter for kollektiv investering i værdipapirer eller administrationsselskaber, som udfører investeringsservice, samt alle andre enheder, der har tilladelse til at have finansielle instrumenter i depot
paper-based traveller’s cheques;
tjenester leveret af udbydere af tekniske tjenester, der understøtter udbuddet af betalingstjenester, uden at udbyderne på noget tidspunkt kommer i besiddelse af de midler, som skal overføres, herunder behandling og lagring af data, tillidsskabende tjenester og tjenester til beskyttelse af privatlivets fred, autentifikation af data og enheder, levering af IT- og kommunikationsnetværk, levering og vedligeholdelse af terminaler og anordninger til brug for betalingstjenester, med undtagelse af betalingsinitieringstjenester og kontooplysningstjenester
paper-based postal money orders as defined by the Universal Postal Union;
tjenester baseret på specifikke betalingsinstrumenter, som kun kan anvendes i begrænset omfang, og som opfylder en af følgende betingelser:
payment transactions carried out within a payment or securities settlement system between settlement agents, central counterparties, clearing houses and/or central banks and other participants of the system, and payment service providers, without prejudice to Article 35;
instrumenter, der giver indehaveren mulighed for at erhverve varer eller tjenester alene i udstederens forretningslokaler eller inden for et begrænset net af tjenesteudbydere i henhold til en forretningsaftale indgået direkte med en professionel udsteder
payment transactions related to securities asset servicing, including dividends, income or other distributions, or redemption or sale, carried out by persons referred to in point (h) or by investment firms, credit institutions, collective investment undertakings or asset management companies providing investment services and any other entities allowed to have the custody of financial instruments;
instrumenter, der kun kan benyttes til erhvervelse af et meget begrænset udvalg af varer eller tjenester
services provided by technical service providers, which support the provision of payment services, without them entering at any time into possession of the funds to be transferred, including processing and storage of data, trust and privacy protection services, data and entity authentication, information technology (IT) and communication network provision, provision and maintenance of terminals and devices used for payment services, with the exclusion of payment initiation services and account information services;
instrumenter, der kun er gyldige i en enkelt medlemsstat, og som stilles til rådighed på anmodning af en virksomhed eller en offentlig enhed og reguleres af en national eller regional offentlig myndighed med specifikke sociale eller skattemæssige formål til at erhverve bestemte varer eller tjenester fra leverandører, der har en forretningsaftale med udstederen
services based on specific payment instruments that can be used only in a limited way, that meet one of the following conditions:
betalingstransaktioner med af en udbyder af elektroniske kommunikationsnetværk eller -tjenester som supplement til elektroniske kommunikationstjenester for en abonnent på netværket eller tjenesten:
instruments allowing the holder to acquire goods or services only in the premises of the issuer or within a limited network of service providers under direct commercial agreement with a professional issuer;
til køb af digitalt indhold og stemmebaserede tjenester, uanset hvilken anordning der anvendes til køb eller forbrug af det digitale indhold, og som opkræves på den tilhørende regning, eller
instruments which can be used only to acquire a very limited range of goods or services;
gennemført fra eller via en elektronisk anordning, og som opkræves på den tilhørende regning inden for rammerne af almennyttig virksomhed eller til køb af billetter,
instruments valid only in a single Member State provided at the request of an undertaking or a public sector entity and regulated by a national or regional public authority for specific social or tax purposes to acquire specific goods or services from suppliers having a commercial agreement with the issuer;
forudsat at værdien af en enkelt betalingstransaktion omhandlet i nr. i) og ii) ikke overstiger 50 EUR, og:
payment transactions by a provider of electronic communications networks or services provided in addition to electronic communications services for a subscriber to the network or service:
den samlede værdi af betalingstransaktionerne for en enkelt abonnent ikke overstiger 300 EUR pr. måned, eller
for purchase of digital content and voice-based services, regardless of the device used for the purchase or consumption of the digital content and charged to the related bill; or
den samlede værdi af betalingstransaktionerne ikke overstiger 300 EUR pr. måned, hvis en abonnent forud indbetaler penge på sin konto hos udbyderen af elektroniske kommunikationsnetværk eller -tjenester
performed from or via an electronic device and charged to the related bill within the framework of a charitable activity or for the purchase of tickets;
betalingstransaktioner, der foretages mellem betalingstjenesteudbydere eller deres agenter eller filialer for egen regning
provided that the value of any single payment transaction referred to in points (i) and (ii) does not exceed EUR 50 and:
betalingstransaktioner og dertil knyttede tjenester mellem en modervirksomhed og dens dattervirksomheder eller mellem dattervirksomheder af samme modervirksomhed uden mellemkomst af en anden betalingstjenesteudbyder end en virksomhed, som tilhører samme koncern
the cumulative value of payment transactions for an individual subscriber does not exceed EUR 300 per month, or
kontanthævningstjenester tilbudt via pengeautomater af udbydere på vegne af en eller flere kortudstedere, som ikke deltager i den rammeaftale, der er indgået med kunden om udbetaling af penge fra en betalingskonto, forudsat at disse udbydere ikke tilbyder andre af de i bilag I omhandlede betalingstjenester.
where a subscriber pre-funds its account with the provider of the electronic communications network or service, the cumulative value of payment transactions does not exceed EUR 300 per month;
Kunden skal dog oplyses om eventuelle hævegebyrer, jf. artikel 45, 48, 49 og 59, inden hævningen foretages såvel som ved modtagelsen af kontanterne ved transaktionens afslutning efter hævningen.
payment transactions carried out between payment service providers, their agents or branches for their own account;
Artikel 4
payment transactions and related services between a parent undertaking and its subsidiary or between subsidiaries of the same parent undertaking, without any intermediary intervention by a payment service provider other than an undertaking belonging to the same group;
Definitioner
cash withdrawal services offered by means of ATM by providers, acting on behalf of one or more card issuers, which are not a party to the framework contract with the customer withdrawing money from a payment account, on condition that those providers do not conduct other payment services as referred to in Annex I. Nevertheless the customer shall be provided with the information on any withdrawal charges referred to in Articles 45, 48, 49 and 59 before carrying out the withdrawal as well as on receipt of the cash at the end of the transaction after withdrawal.
I dette direktiv forstås ved:
Article 4
»hjemland«:
Definitions
den medlemsstat, hvor betalingstjenesteudbyderens vedtægtsmæssige hjemsted er beliggende, eller
For the purposes of this Directive, the following definitions apply:
hvis betalingstjenesteudbyderen ifølge national ret ikke har noget vedtægtsmæssigt hjemsted, den medlemsstat, hvor dens hovedkontor er beliggende
‘home Member State’ means either of the following:
»værtsland«: en anden medlemsstat end hjemlandet, hvor betalingstjenesteudbyderen har en agent eller en filial eller udbyder betalingstjenester
the Member State in which the registered office of the payment service provider is situated; or
»betalingstjeneste«: en eller flere af de forretningsaktiviteter, som er anført i bilag I
if the payment service provider has, under its national law, no registered office, the Member State in which its head office is situated;
»betalingsinstitut«: en juridisk person, der i overensstemmelse med artikel 11 er meddelt tilladelse til at udbyde og gennemføre betalingstjenester i hele Unionen
‘host Member State’ means the Member State other than the home Member State in which a payment service provider has an agent or a branch or provides payment services;
»betalingstransaktion«: en handling, der initieres af en betaler eller på dennes vegne eller af en betalingsmodtager med henblik på at indbetale, overføre eller hæve midler uden hensyn til eventuelle underliggende forpligtelser mellem betaleren og betalingsmodtageren
‘payment service’ means any business activity set out in Annex I;