natgillin/translations-raw huggingface dataset:
the payment service provider shall not be required to provide or make available information referred to in point (i) if the payment instrument is used anonymously or if the payment service provider is not otherwise technically in a position to provide it.
ponudniku plačilnih storitev ni treba zagotavljati niti dati na voljo informacij iz točke (i), če se plačilni instrument uporabi anonimno ali če ponudnik plačilnih storitev tehnično ni zmožen zagotoviti teh informacij.
However, the payment service provider shall provide the payer with a possibility to verify the amount of funds stored.
Vendar pa ponudnik plačilnih storitev plačniku omogoči, da preveri znesek shranjenih sredstev.
For national payment transactions, Member States or their competent authorities may reduce or double the amounts referred to in paragraph 1.
Za nacionalne plačilne transakcije lahko države članice ali njihovi pristojni organi znižajo ali podvojijo zneske iz odstavka 1.
For prepaid payment instruments, Member States may increase those amounts up to EUR 500.
Za predplačniške plačilne instrumente lahko države članice zvišajo te zneske do 500 EUR.
Single payment transactions
Enkratne plačilne transakcije
This Chapter shall apply to single payment transactions not covered by a framework contract.
To poglavje se uporablja za enkratne plačilne transakcije, ki niso zajete v okvirni pogodbi.
When a payment order for a single payment transaction is transmitted by a payment instrument covered by a framework contract, the payment service provider shall not be obliged to provide or make available information which is already given to the payment service user on the basis of a framework contract with another payment service provider or which will be given to him according to that framework contract.
Kadar se plačilni nalog za enkratno plačilno transakcijo posreduje prek plačilnega instrumenta iz okvirne pogodbe, ponudnik plačilnih storitev ni dolžan zagotoviti ali dati na voljo informacij, ki so bile uporabniku plačilnih storitev že poslane na podlagi okvirne pogodbe z drugim ponudnikom plačilnih storitev oziroma mu bodo poslane v skladu s to okvirno pogodbo.
Prior general information
Predhodne splošne informacije
Member States shall require that before the payment service user is bound by any single payment service contract or offer, the payment service provider, in an easily accessible manner, makes available to the payment service user the information and conditions specified in Article 37.
Države članice zahtevajo, da, preden se uporabnik plačilnih storitev zaveže s katero koli pogodbo ali ponudbo za enkratno plačilno transakcijo, ponudnik plačilnih storitev pravočasno da na voljo uporabniku plačilnih storitev na lahko dostopen način informacije in pogoje, določene v členu 37.
At the payment service user's request, the payment service provider shall provide the information and conditions on paper or on another durable medium.
Ponudnik plačilnih storitev informacije in pogoje na zahtevo uporabnika plačilnih storitev zagotovi na papirju ali drugem trajnem nosilcu podatkov.
The information and conditions shall be given in easily understandable words and in a clear and comprehensible form, in an official language of the Member State where the payment service is offered or in any other language agreed between the parties.
Informacije in pogoji so podani v lahko razumljivem jeziku ter v jasni in razumljivi obliki v uradnem jeziku države članice, v kateri se ponuja plačilna storitev, ali v drugem jeziku, o katerem se dogovorita stranki.
If the single payment service contract has been concluded at the request of the payment service user using a means of distance communication which does not enable the payment service provider to comply with paragraph 1, the payment service provider shall fulfil its obligations under that paragraph immediately after the execution of the payment transaction.
Če je bila pogodba o enkratni plačilni transakciji sklenjena na zahtevo uporabnika plačilnih storitev z uporabo sredstev za sporazumevanje na daljavo, ki ponudniku plačilnih storitev ne omogoča ravnanja v skladu z odstavkom 1, ponudnik plačilnih storitev izpolni svoje obveznosti iz tega odstavka takoj po izvršitvi plačilne transakcije.
The obligations under paragraph 1 may also be discharged by supplying a copy of the draft single payment service contract or the draft payment order including the information and conditions specified in Article 37.
Obveznosti iz odstavka 1 se lahko izpolni tudi s predložitvijo izvoda osnutka pogodbe o enkratni plačilni transakciji ali osnutka plačilnega naloga, ki vsebuje informacije in pogoje, določene v členu 37.
Information and conditions
Informacije in pogoji
Member States shall ensure that the following information and conditions are provided or made available to the payment service user:
Države članice zagotovijo, da se uporabniku plačilnih storitev zagotovijo ali dajo na voljo naslednje informacije in pogoji:
a specification of the information or unique identifier that has to be provided by the payment service user in order for a payment order to be properly executed;
navedba informacij ali enolične identifikacijske oznake, ki jo mora navesti uporabnik plačilnih storitev, da se lahko plačilni nalog pravilno izvrši;
the maximum execution time for the payment service to be provided;
najdaljši rok, v katerem se izvrši ponujena plačilna storitev;
all charges payable by the payment service user to his payment service provider and, where applicable, the breakdown of the amounts of any charges;
vsa nadomestila, ki jih uporabnik plačilnih storitev plača njegovemu ponudniku plačilnih storitev, in po potrebi razčlenitev zneskov morebitnih nadomestil;
where applicable, the actual or reference exchange rate to be applied to the payment transaction.
če je ustrezno, dejanski ali referenčni menjalni tečaj, ki se uporablja za plačilno transakcijo.
Where applicable, any other relevant information and conditions specified in Article 42 shall be made available to the payment service user in an easily accessible manner.
Če je ustrezno, morajo biti vse druge ustrezne informacije ali pogoji, določeni v členu 42, na voljo uporabniku plačilnih storitev na lahko dostopen način.
Information for the payer after receipt of the payment order
Informacije za plačnika po prejemu plačilnega naloga
Immediately after receipt of the payment order, the payer's payment service provider shall provide or make available to the payer, in the same way as provided for in Article 36(1), the following information:
Takoj po prejemu plačilnega naloga plačnikov ponudnik plačilne storitve plačniku, na enak način, kakor je predvideno v členu 36(1), zagotovi ali da na voljo naslednje informacije:
a reference enabling the payer to identify the payment transaction and, where appropriate, information relating to the payee;
sklic, ki plačniku omogoča identifikacijo plačilne transakcije, in kjer je primerno, informacije v zvezi s prejemnikom plačila;
the amount of the payment transaction in the currency used in the payment order;
znesek plačilne transakcije v valuti, uporabljeni v plačilnem nalogu;
the amount of any charges for the payment transaction payable by the payer and, where applicable, a breakdown of the amounts of such charges;
znesek morebitnih nadomestil plačilne transakcije, ki jih plača plačnik, in, če je ustrezno, razčlenitev zneskov takšnih nadomestil;
where applicable, the exchange rate used in the payment transaction by the payer's payment service provider or a reference thereto, when different from the rate provided in accordance with Article 37(1)(d), and the amount of the payment transaction after that currency conversion; and
če je ustrezno, menjalni tečaj, ki ga v plačilni transakciji uporablja plačnikov ponudnik plačilnih storitev ali sklic na ta tečaj, kadar je drugačen od tečaja, ki ga določa člen 37(1)(d), ter znesek plačilne transakcije po tej pretvorbi valute; in
the date of receipt of the payment order.
datum prejema plačilnega naloga.
Information for the payee after execution
Informacije za prejemnika plačila po izvršitvi
Immediately after the execution of the payment transaction, the payee's payment service provider shall provide or make available to the payee, in the same way as provided for in Article 36(1), the following information:
Takoj po izvršitvi plačilne transakcije ponudnik plačilnih storitev prejemnika plačila slednjemu, na enak način, kakor je predvideno v členu 36(1), zagotovi ali da na voljo naslednje informacije:
the reference enabling the payee to identify the payment transaction and, where appropriate, the payer and any information transferred with the payment transaction;
sklic, ki prejemniku plačila omogoča identifikacijo plačilne transakcije in, kjer je primerno, plačnika, ter vse informacije, posredovane s plačilno transakcijo;
the amount of the payment transaction in the currency in which the funds are at the payee's disposal;
znesek plačilne transakcije v valuti, v kateri so sredstva prejemniku plačila na razpolago;
the amount of any charges for the payment transaction payable by the payee and, where applicable, a breakdown of the amount of such charges;
znesek morebitnih nadomestil za plačilne transakcije, ki jih plača prejemnik plačila, in, če je ustrezno, razčlenitev zneskov takšnih nadomestil;
where applicable, the exchange rate used in the payment transaction by the payee's payment service provider, and the amount of the payment transaction before that currency conversion; and
če je ustrezno, menjalni tečaj, ki ga v plačilni transakciji uporablja ponudnik plačilnih storitev prejemnika plačila, ter znesek plačilne transakcije pred to pretvorbo valute; in
the credit value date.
datum valute knjiženja v dobro.
Framework contracts
Okvirne pogodbe
This Chapter applies to payment transactions covered by a framework contract.
To poglavje se uporablja za plačilne transakcije iz okvirne pogodbe.
Member States shall require that, in good time before the payment service user is bound by any framework contract or offer, the payment service provider provide the payment service user on paper or on another durable medium with the information and conditions specified in Article 42.
Države članice zahtevajo, da preden se uporabnik plačilnih storitev zaveže s katero koli okvirno pogodbo ali ponudbo, ponudnik plačilnih storitev pravočasno zagotovi uporabniku plačilnih storitev na papirju ali drugem trajnem nosilcu podatkov informacije in pogoje, določene v členu 42.
If the framework contract has been concluded at the request of the payment service user using a means of distance communication which does not enable the payment service provider to comply with paragraph 1, the payment service provider shall fulfil its obligations under that paragraph immediately after the conclusion of the framework contract.
Če je bila okvirna pogodba sklenjena na zahtevo uporabnika plačilnih storitev z uporabo sredstev za sporazumevanje na daljavo, ki ponudniku plačilnih storitev ne omogoča ravnanja v skladu z odstavkom 1, ponudnik plačilnih storitev izpolni svojo obveznost iz navedenega odstavka takoj po sklenitvi okvirne pogodbe.
The obligations under paragraph 1 may also be discharged by supplying a copy of the draft framework contract including the information and conditions specified in Article 42.
Obveznosti iz odstavka 1 se lahko izpolni tudi s predložitvijo izvoda osnutka okvirne pogodbe, ki vsebuje informacije in pogoje, določene v členu 42.
Member States shall ensure that the following information and conditions are provided to the payment service user:
Države članice zagotovijo, da se uporabniku plačilnih storitev pošljejo naslednje informacije in pogoji:
on the payment service provider:
o ponudniku plačilnih storitev
the name of the payment service provider, the geographical address of its head office and, where applicable, the geographical address of its agent or branch established in the Member State where the payment service is offered, and any other address, including electronic mail address, relevant for communication with the payment service provider; and
ime ponudnika plačilnih storitev, točen naslov njegove glavne uprave in, če je ustrezno, točen naslov njegovega zastopnika ali podružnice s sedežem v državi članici, v kateri se opravlja plačilna storitev, ter vsi drugi naslovi, vključno z elektronskim naslovom, za komunikacijo s ponudnikom plačilnih storitev; in
the particulars of the relevant supervisory authorities and of the register provided for in Article 13 or of any other relevant public register of authorisation of the payment service provider and the registration number, or equivalent means of identification in that register;
podatki o ustreznih nadzornih organih ter registru iz člena 13 ali kakršnemu koli drugemu zadevnemu javnemu registru dovoljenj ponudnikov plačilnih storitev ter registracijska številka oziroma enakovredna identifikacijska oznaka v tem registru;
on use of the payment service:
o uporabi plačilnih storitev
a description of the main characteristics of the payment service to be provided;
opis glavnih značilnosti plačilne storitve, ki se opravlja;
the form of and procedure for giving consent to execute a payment transaction and withdrawal of such consent in accordance with Articles 54 and 66;
oblika in postopek za posredovanje soglasja za izvršitev plačilne transakcije in preklic takega soglasja v skladu s členoma 54 in 66;
a reference to the point in time of receipt of a payment order as defined in Article 64 and the cut-off time, if any, established by the payment service provider;
navedba časa prejema plačilnega naloga, kakor je navedeno v členu 64, in morebitna časovna omejitev, ki jo določi ponudnik plačilnih storitev;
the maximum execution time for the payment services to be provided; and
najdaljši rok, v katerem se izvrši plačilna storitev; in
whether there is a possibility to agree on spending limits for the use of the payment instrument in accordance with Article 55(1);
ali obstaja možnost dogovora glede omejitve porabe za uporabo plačilnega instrumenta v skladu s členom 55(1);
on charges, interest and exchange rates:
o nadomestilih, obrestnih merah in menjalnih tečajih
all charges payable by the payment service user to the payment service provider and, where applicable, the breakdown of the amounts of any charges;
vsa nadomestila, ki jih uporabnik plačilnih storitev plača ponudniku plačilnih storitev, ter, če je ustrezno, razčlenitev zneskov morebitnih nadomestil;
where applicable, the interest and exchange rates to be applied or, if reference interest and exchange rates are to be used, the method of calculating the actual interest, and the relevant date and index or base for determining such reference interest or exchange rate; and
če je ustrezno, obrestne mere in menjalni tečaji, ki naj se uporabijo, ali če naj se uporabijo referenčne obrestne mere in menjalni tečaji, metoda za izračun dejanskih obresti ter ustrezni datum in indeks ali osnova za ugotavljanje takšnih obrestnih mer ali menjalnega tečaja; in
if agreed, the immediate application of changes in reference interest or exchange rate and information requirements related to the changes in accordance with Article 44(2);
po dogovoru, takojšnja uporaba sprememb referenčne obrestne mere ali menjalnega tečaja in zahteve glede obveščanja v zvezi s spremembami v skladu s členom 44(2);
on communication:
o komunikaciji
where applicable, the means of communication, including the technical requirements for the payment service user's equipment, agreed between the parties for the transmission of information or notifications under this Directive;
če je ustrezno, komunikacijska sredstva, vključno s tehničnimi zahtevami glede opreme uporabnika plačilne storitve, o katerih se pogodbenika dogovorita za prenos informacij ali obvestil v skladu s to direktivo;
the manner in and frequency with which information under this Directive is to be provided or made available;
način in pogostost zagotavljanja ali dajanja informacij iz te direktive na voljo;
the language or languages in which the framework contract will be concluded and communication during this contractual relationship undertaken; and
jezik ali jeziki, v katerih bo sklenjena okvirna pogodba in potekala komunikacija v času pogodbenega razmerja; in
the payment service user's right to receive the contractual terms of the framework contract and information and conditions in accordance with Article 43;
pravica uporabnika plačilnih storitev, da prejme pogodbena določila okvirne pogodbe ter informacije in pogoje v skladu s členom 43;
on safeguards and corrective measures:
o zaščitnih in korektivnih ukrepih
where applicable, a description of steps that the payment service user is to take in order to keep safe a payment instrument and how to notify the payment service provider for the purposes of Article 56(1)(b);
če je ustrezno, opis ukrepov, ki jih mora sprejeti uporabnik plačilnih storitev za varovanje plačilnega instrumenta in način, kako obvestiti ponudnika plačilnih storitev za namene člena 56(1)(b);
if agreed, the conditions under which the payment service provider reserves the right to block a payment instrument in accordance with Article 55;
po dogovoru pogoji, pod katerimi si ponudnik plačilnih storitev pridržuje pravico, da blokira instrument v skladu s členom 55;
the liability of the payer in accordance with Article 61, including information on the relevant amount;
odgovornost plačnika v skladu s členom 61, vključno z informacijami o ustreznem znesku;
how and within what period of time the payment service user is to notify the payment service provider of any unauthorised or incorrectly executed payment transaction in accordance with Article 58 as well as the payment service provider's liability for unauthorised payment transactions in accordance with Article 60;
kako in v kakšnem roku mora uporabnik plačilnih storitev obvestiti ponudnika plačilnih storitev o vseh neodobrenih in nepravilno izvršenih plačilnih transakcijah v skladu s členom 58 ter odgovornost ponudnika plačilnih storitev za neodobrene plačilne transakcije v skladu s členom 60;
the liability of the payment service provider for the execution of payment transactions in accordance with Article 75; and
odgovornost ponudnika plačilnih storitev za izvršitev plačilnih transakcij v skladu s členom 75; in
the conditions for refund in accordance with Articles 62 and 63;
pogoji povračila v skladu s členoma 62 in 63;
on changes in and termination of framework contract:
o spremembah in prekinitvah okvirne pogodbe
if agreed, information that the payment service user will be deemed to have accepted changes in the conditions in accordance with Article 44, unless he notifies the payment service provider that he does not accept them before the date of their proposed date of entry into force;
po dogovoru informacije o tem, da se bo štelo, da je uporabnik plačilnih storitev sprejel spremembe pogojev v skladu s členom 44, razen če do dneva pred njihovim predlaganim začetkom veljavnosti obvesti ponudnika plačilnih storitev, da jih ne sprejema;
the duration of the contract; and
trajanje pogodbe; in
the right of the payment service user to terminate the framework contract and any agreements relating to termination in accordance with Article 44(1) and Article 45;
pravica uporabnika plačilne storitve, da prekine okvirno pogodbo in morebitne sporazume, ki se navezujejo na prekinitev v skladu s členom 44(1) in členom 45;
on redress:
o reševanju sporov
any contractual clause on the law applicable to the framework contract and/or the competent courts; and
vse pogodbene klavzule o zakonodaji, ki se uporablja za okvirno pogodbo, in/ali pristojnem sodišču; in
the out-of-court complaint and redress procedures available to the payment service user in accordance with Articles 80 to 83.
o izvensodnih pritožbenih postopkih in postopkih izvensodne poravnave, ki so na voljo uporabniku plačilnih storitev v skladu s členi 80 do 83.
Accessibility of information and conditions of the framework contract
Dostop do informacij in pogojev okvirne pogodbe
At any time during the contractual relationship the payment service user shall have a right to receive, on request, the contractual terms of the framework contract as well as the information and conditions specified in Article 42 on paper or on another durable medium.
Uporabnik plačilnih storitev ima v času pogodbenega razmerja kadar koli pravico, da na zahtevo prejme pogodbena določila okvirne pogodbe ter informacije in pogoje, navedene v členu 42, na papirju ali drugem trajnem nosilcu podatkov.
Changes in conditions of the framework contract
Spremembe pogojev okvirne pogodbe
Any changes in the framework contract as well as the information and conditions specified in Article 42, shall be proposed by the payment service provider in the same way as provided for in Article 41(1) and no later than two months before their proposed date of application.
Ponudnik plačilnih storitev predlaga vse spremembe okvirne pogodbe ter informacij in pogojev, opredeljenih v členu 42, na enak način, kakor je navedeno v členu 41(1), in najpozneje dva meseca pred predlaganim dnem začetka uporabe.
Where applicable in accordance with point (6)(a) of Article 42, the payment service provider shall inform the payment service user that he is to be deemed to have accepted these changes if he does not notify the payment service provider that he does not accept them before the proposed date of their entry into force.
Če je to ustrezno v skladu s točko (6)(a) člena 42, ponudnik plačilnih storitev obvesti uporabnika plačilnih storitev, da se šteje, da je uporabnik plačilnih storitev sprejel spremembe pogojev, če do dneva pred predlaganim datumom njihovega začetka veljavnosti ne obvesti ponudnika plačilnih storitev, da jih ne sprejema.
In this case, the payment service provider shall also specify that the payment service user has the right to terminate the framework contract immediately and without charge before the date of the proposed application of the changes.
V tem primeru ponudnik plačilnih storitev določi, da ima uporabnik plačilnih storitev pravico, da lahko do dneva pred predlaganim datumom začetka uporabe sprememb takoj in brez zaračunanih nadomestil prekine okvirno pogodbo.
Changes in the interest or exchange rates may be applied immediately and without notice, provided that such a right is agreed upon in the framework contract and that the changes are based on the reference interest or exchange rates agreed on in accordance with Article 42(3)(b) and (c).
Spremembe obrestnih mer ali menjalnih tečajev se lahko uporabijo takoj in brez obvestila, če je bilo tako dogovorjeno v okvirni pogodbi in če spremembe temeljijo na referenčni obrestni meri ali menjalnem tečaju, dogovorjenima v skladu s točkami (3)(b) in (c) člena 42.
The payment service user shall be informed of any change in the interest rate at the earliest opportunity in the same way as provided for in Article 41(1), unless the parties have agreed on a specific frequency or manner in which the information is to be provided or made available.
Uporabnika plačilnih storitev se obvesti o kakršni koli spremembi obrestne mere ob prvi priložnosti na enak način, kakor je navedeno v členu 41(1), razen če sta se pogodbenika dogovorila o določeni pogostosti ali načinu zagotavljanja ali dajanja informacij na voljo.
However, changes in interest or exchange rates which are more favourable to the payment service users, may be applied without notice.
Vendar pa se lahko spremembe obrestne mere ali menjalnega tečaja, ki so za uporabnike plačilnih storitev ugodnejše, uporabijo brez obvestila.
Changes in the interest or exchange rate used in payment transactions shall be implemented and calculated in a neutral manner that does not discriminate against payment service users.
Spremembe v obrestni meri ali menjalnem tečaju, ki se uporabljata za plačilne transakcije, se izvedejo in izračunajo po nevtralni poti, ki ne razlikuje med uporabniki plačilnih storitev.
The payment service user may terminate the framework contract at any time, unless the parties have agreed on a period of notice.
Uporabnik plačilnih storitev lahko kadar koli prekine okvirno pogodbo, razen če sta se pogodbenika dogovorila o odpovednem roku.
Such a period may not exceed one month.
Tak odpovedni rok ne sme biti daljši od enega meseca.