natgillin/translations-raw huggingface dataset:
Each payment service provider applying for a participation in a payment system should furnish proof to the participants of the payment system that its internal arrangements are sufficiently robust against all kinds of risk.
Vsak ponudnik plačilnih storitev, ki zaprosi za udeležbo v plačilnem sistemu, bi moral udeležencem v plačilnem sistemu predložiti dokaz, iz katerega je razvidno, da je njegova notranja ureditev dovolj trdna za preprečevanje vseh vrst tveganj.
These payment systems typically include e.g. the four-party card schemes as well as major systems processing credit transfers and direct debits.
Taki plačilni sistemi navadno vključujejo npr. štiristranske kartične sheme, kot tudi večje sisteme, ki obdelujejo kreditne prenose in direktne bremenitve.
In order to ensure equality of treatment throughout the Community as between the different categories of authorised payment service providers, according to the terms of their licence, it is necessary to clarify the rules concerning access to the provision of payment services and access to payment systems.
Da bi zagotovili enako obravnavo povsod po Skupnosti med različnimi kategorijami ponudnikov plačilnih storitev z dovoljenjem v skladu s pogoji njihovega dovoljenja, je nujno pojasniti pravila v zvezi z dostopom do opravljanja plačilnih storitev in dostopom do plačilnih sistemov.
Provision should be made for the non-discriminatory treatment of authorised payment institutions and credit institutions so that any payment service provider competing in the internal market is able to use the services of the technical infrastructures of these payment systems under the same conditions.
Treba bi bilo določiti pravila za nediskriminatorno obravnavo plačilnih institucij z dovoljenjem in kreditnih institucij, tako da lahko vsi ponudniki plačilnih storitev, ki konkurirajo na notranjem trgu, uporabljajo storitve tehnične infrastrukture teh plačilnih sistemov pod enakimi pogoji.
It is appropriate to provide for different treatment for authorised payment service providers and for those benefiting from a waiver under this Directive as well as from the waiver under the Article 8 of the Directive 2000/46/EC, due to the differences in their prudential framework.
Primerno je zagotoviti drugačno obravnavo med ponudniki plačilnih storitev z dovoljenjem in tistimi, ki so upravičeni do opustitve v skladu s to direktivo kot tudi do opustitve v skladu s členom 8 Direktive 2000/46/ES, zaradi razlik v pravilih skrbnega in varnega poslovanja.
In any case differences in price conditions should be allowed only when this is motivated by differences in costs induced by the payment service providers.
V vsakem primeru naj se razlike v cenovnih pogojih dopustijo samo, če so utemeljene z razlikami v stroških, ki jih povzročijo ponudniki plačilnih storitev.
This should be without prejudice to Member States' right to limit access to systemically important systems in accordance with Directive 98/26/EC of the European Parliament and of the Council of 19 May 1998 on settlement finality in payment and securities settlement systems and without prejudice to the competence of the European Central Bank and the European System of Central Banks (ESCB), as laid down in Article 105(2) of the Treaty and Article 3(1) and Article 22 of the Statute of the ESCB, concerning access to payment systems.
To pa ne bi smelo posegati v pravice držav članic do omejitve dostopa do sistemsko pomembnih sistemov v skladu z Direktivo 98/26/ES Evropskega parlamenta in Sveta z dne 19. maja 1998 o dokončnosti poravnave pri plačilih in sistemih poravnave vrednostnih papirjev in tudi brez poseganja v pristojnosti Evropske centralne banke in Evropskega sistema centralnih bank (ESCB), kot jih določa člen 105(2) Pogodbe ter člena 3(1) in člena 22 Statuta ESCB, v zvezi z dostopom do plačilnih sistemov.
The provisions of the access to payment systems should not apply to systems set up and operated by a single payment service provider.
Določbe glede dostopa do plačilnih sistemov se ne bi smele uporabljati za sisteme, ki jih vzpostavi in upravlja en sam ponudnik plačilnih storitev.
Those payment systems can operate either in direct competition to payment systems, or, more typically, in a market niche not adequately covered by payment systems.
Ti plačilni sistemi lahko delujejo v neposredni konkurenci s plačilnimi sistemi ali – kar je bolj pogosto – v tržni niši, ki je plačilni sistemi ne pokrivajo zadostno.
They typically cover three-party schemes, such as three party card schemes, payment services offered by telecommunication providers or money remittance services where the scheme operator is the payment service provider to both the payer and payee as well as internal systems of banking groups.
Ti navadno zajemajo tristranske sheme, kot so tristranske kartične sheme, plačilne storitve, ki jih opravljajo ponudniki telekomunikacij, ali storitve denarnih nakazil, pri čemer je upravljavec sheme ponudnik plačilnih storitev tako za plačnika kot tudi za prejemnika plačila, in interne sisteme bančnih skupin.
In order to stimulate the competition that can be provided by such payment systems to established mainstream payment systems, it should in principle not be appropriate to grant third parties access to these payment systems.
Da bi spodbudili konkurenco med temi plačilnimi sistemi in uveljavljenimi splošnimi plačilnimi sistemi, načeloma ne bi bilo ustrezno, da bi tretjim strankam dovolili dostop do teh plačilnih sistemov.
Nevertheless, such systems should always be subject to Community and national competition rules which may require that access be granted to the schemes in order to maintain effective competition in payments markets.
Kljub vsemu naj bi za takšne sisteme vedno veljali predpisi Skupnosti in držav članic o konkurenci, v katerih bi bila zahtevana možnost dostopa do teh sistemov zaradi zagotavljanja učinkovite konkurence na plačilnih trgih.
A set of rules should be established in order to ensure transparency of conditions and information requirements for payment services.
Treba bi bilo določiti vrsto pravil za zagotavljanje preglednosti pogojev in zahtev v zvezi z informacijami za plačilne storitve.
This Directive should apply neither to payment transactions made in cash since a single payments market for cash already exists nor to payment transactions based on paper cheques since, by their nature, they cannot be processed as efficiently as other means of payment.
Ta direktiva se ne bi smela uporabljati niti za plačilne transakcije v gotovini, ker enotni trg za plačila v gotovini že obstaja, niti za plačilne transakcije, ki temeljijo na papirnih čekih, saj jih zaradi njihove narave ni mogoče obdelovati tako učinkovito kakor druga plačilna sredstva.
Good practice in this area should, however, be based on the principles set out in this Directive.
Dobra praksa na tem področju pa bi morala kljub temu temeljiti na načelih, določenih s to direktivo.
As consumers and enterprises are not in the same position, they do not need the same level of protection.
Ker potrošniki in podjetja niso v enakem položaju, ne potrebujejo enake stopnje zaščite.
While it is important to guarantee consumers' rights by provisions which cannot be derogated from by contract, it is reasonable to let enterprises and organisations agree otherwise.
Medtem ko je pomembno zajamčiti pravice potrošnikov z določbami, od katerih ni mogoče odstopati s pogodbo, je primerno, da se podjetjem in organizacijam dovoli, da se dogovorijo drugače.
However, Member States should have the possibility to provide that micro-enterprises, as defined by Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises, should be treated in the same way as consumers.
Vseeno bi morale države članice imeti možnost določiti, da se mikropodjetja, kakor so opredeljena v Priporočilu Komisije 2003/361/ES z dne 6. maja 2003 o opredelitvi mikro, malih in srednje velikih podjetij, obravnavajo enako kot potrošniki.
In any case, certain core provisions of this Directive should always be applicable irrespective of the status of the user.
V vsakem primeru bi morale določene poglavitne določbe te direktive veljati vedno, ne glede na status uporabnika.
This Directive should specify the obligations on payment service providers as regards the provision of information to the payment service users who should receive the same high level of clear information about payment services in order to make well-informed choices and be able to shop around within the EU.
Ta direktiva bi morala določiti obveznosti ponudnikov plačilnih storitev v zvezi z zagotavljanjem informacij uporabnikom plačilnih storitev, ki bi morali prejeti jasne podatke enako visoke kakovosti o plačilnih storitvah, da bi se lahko ustrezno odločali in izbirali storitve znotraj EU.
In the interest of transparency this Directive should lay down the harmonised requirements needed to ensure that necessary and sufficient information is given to the payment service users with regard to the payment service contract and the payment transactions.
Zaradi zagotavljanja preglednosti bi ta direktiva morala določiti usklajene zahteve, potrebne za zagotavljanje potrebnih in zadostnih informacij uporabnikom plačilnih storitev tako glede pogodbe za plačilne storitve kot glede plačilnih transakcij.
In order to promote smooth functioning of the single market in payment services, Member States should be able to adopt only those information provisions laid down in this Directive.
Da bi spodbudili nemoteno delovanje enotnega trga plačilnih storitev, bi moralo biti državam članicam omogočeno sprejeti predpise samo glede tistih informacij, ki jih določa ta direktiva.
Consumers should be protected against unfair and misleading practices in line with Directive 2005/29/EC of the European Parliament and the Council of 11 May 2005 concerning unfair business-to-consumer commercial practices in the Internal Market as well as Directive 2000/31/EC of the European Parliament and the Council of 8 June 2000 on certain legal aspects of information society services, in particular electronic commerce, in the Internal Market (Directive on electronic commerce) and Directive 2002/65/EC of the European Parliament and the Council of 23 September 2002 concerning the distance marketing of consumer financial services.
Potrošnike bi bilo treba zavarovati pred nepoštenimi in zavajajočimi praksami v skladu z Direktivo 2005/29/ES Evropskega parlamenta in Sveta z dne 11. maja 2005 o nepoštenih poslovnih praksah podjetij v razmerju do potrošnikov na notranjem trgu kot tudi z Direktivo 2000/31/ES Evropskega parlamenta in Sveta z dne 8. junija 2000 o nekaterih pravnih vidikih storitev informacijske družbe, zlasti elektronskega poslovanja na notranjem trgu (Direktiva o elektronskem poslovanju) ter z Direktivo 2002/65/ES Evropskega parlamenta in Sveta z dne 23. septembra 2002 o trženju finančnih storitev potrošnikom na daljavo.
The additional provisions in those Directives continue to be applicable.
Dodatne določbe v teh direktivah še vedno veljajo.
However, the relationship of the pre-contractual information requirements between this Directive and Directive 2002/65/EC should, in particular, be clarified.
Treba pa bi bilo zlasti jasno opredeliti odnos med to direktivo in Direktivo 2002/65/ES v zvezi z zahtevami, povezanimi s predpogodbenimi informacijami.
The information required should be proportionate to the needs of users and communicated in a standard manner.
Zahtevane informacije bi morale biti sorazmerne s potrebami uporabnikov in sporočene na običajen način.
However, the information requirements for a single payment transaction should be different from those of a framework contract which provides for the series of payment transactions.
Zahteve po informacijah za enkratno plačilno transakcijo pa bi se morale razlikovati od tistih za okvirno pogodbo, ki predvideva vrsto plačilnih transakcij.
In practice, framework contracts and the payment transactions covered by them are far more common and economically important than single payment transactions.
V praksi so okvirne pogodbe in plačilne transakcije, za katere te pogodbe veljajo, veliko pogostejše in gospodarsko pomembne kot enkratne plačilne transakcije.
If there is a payment account or a specific payment instrument, a framework contract is required.
Če gre za plačilni račun ali določen plačilni instrument, se zahteva okvirna pogodba.
Therefore, the requirements for prior information on framework contracts should be quite comprehensive and information should always be provided on paper or on another durable medium, such as printouts by account printers, floppy disks, CD-ROMs, DVDs and hard drives of personal computers on which electronic mail can be stored, and Internet sites, as long as such sites are accessible for future reference for a period of time adequate for the purposes of information and allow the unchanged reproduction of the information stored.
Zato bi morale biti zahteve za predhodne informacije v zvezi z okvirnimi pogodbami celovite, informacije pa vedno posredovane na papirju ali na drugem trajnem nosilcu, kot so izpisi iz bančnih tiskalnikov, računalniške diskete, CD-ROM-i, DVD-ji in trdi diski osebnih računalnikov, na katerih se lahko shranjuje elektronska pošta, ter na spletnih mestih, če je ta mogoče uporabljati toliko časa, kolikor je potrebno za namene informiranja, in omogočajo nespremenjeno predvajanje shranjenih informacij.
However, it should be possible for the payment service provider and the payment service user to agree in the framework contract on the manner in which subsequent information on executed payment transactions is given, for instance, that in Internet banking all information on the payment account is made available online.
Vendar pa, bi moralo biti omogočeno, da se ponudnik in uporabnik plačilnih storitev dogovorita v okvirni pogodbi o načinu predložitve nadaljnjih informacij o izvedenih plačilnih transakcijah, na primer, da so v internetnem bančništvu vse informacije o plačilnem računu dostopne neposredno na spletu.
In single payment transactions only the essential information should always be given on the payment service provider's own initiative.
Pri enkratnih plačilnih transakcijah bi moral ponudnik plačilnih storitev na lastno pobudo vedno zagotavljati samo bistvene informacije.
As the payer is usually present when he gives the payment order, it is not necessary to require that information should in every case be provided on paper or on another durable medium.
Ker je plačnik navadno navzoč, ko izda plačilni nalog, ni treba zahtevati, da se informacije v vsakem primeru predložijo na papirju ali drugem trajnem nosilcu.
The payment service provider may give information orally over the counter or make it otherwise easily accessible, for example by keeping the conditions on a notice board on the premises.
Ponudnik plačilnih storitev lahko informacije poda ustno na okencu ali omogoči, da so lahko dostopne, na primer tako, da pogoje v svojih prostorih objavi na oglasni deski.
Information should also be given on where other more detailed information is available (e.g. the address of the website).
Uporabnike bi moral tudi obvestiti, kje so dostopne podrobnejše informacije (na primer naslov spletnega mesta).
However, if the consumer so requests, the essential information should be given on paper or on another durable medium.
Če potrošnik tako zahteva, pa bi moral ponudnik bistvene informacije zagotoviti na papirju ali drugem trajnem nosilcu.
This Directive should provide for the consumer's right to receive relevant information free of charge before he is bound by any payment service contract.
Ta direktiva bi morala potrošniku zagotoviti pravico, da prejme ustrezne informacije brezplačno, preden se zaveže s kakršno koli pogodbo o plačilnih storitvah.
The consumer should also be able to request prior information as well as the framework contract, on paper, free of charge at any time during the contractual relationship, so as to enable him to compare payment service providers' services and their conditions and in case of any dispute verify his contractual rights and obligations.
Prav tako bi moralo biti omogočeno, da potrošnik brezplačno zahteva predhodne informacije in okvirno pogodbo na papirju, kadar koli med pogodbenim razmerjem, da se mu s tem omogoči primerjava storitev in pogojev ponudnikov plačilnih storitev ter, v primeru spora, preverjanje njegovih pogodbenih pravic in obveznosti.
Those provisions should be compatible with Directive 2002/65/EC.
Te določbe bi morale biti v skladu z Direktivo 2002/65/ES.
The explicit provisions on free information in this Directive should not have the effect of allowing charges to be imposed for the provision of information to consumers under other applicable Directives.
Izrecne določbe o brezplačnih informacijah v tej direktivi ne bi smele povzročiti, da se potrošnikom lahko zaračunajo te informacije po drugih veljavnih direktivah.
The way in which the required information is to be given by the payment service provider to the payment service user should take into account the needs of the latter as well as practical technical aspects and cost-efficiency depending on the situation with regard to the agreement in the respective payment service contract.
Pri načinu zagotavljanja zahtevanih informacij uporabniku plačilnih storitev s strani ponudnika plačilnih storitev bi bilo treba upoštevati potrebe uporabnika plačilnih storitev kakor tudi – glede na dogovor v zadevni pogodbi o plačilnih storitvah – praktične tehnične vidike in stroškovno učinkovitost.
Thus, this Directive should distinguish between two ways in which information is to be given by the payment service provider: either the information should be provided, i.e. actively communicated by the payment service provider at the appropriate time as required by this Directive without further prompting by the payment service user, or the information should be made available to the payment service user, taking into account any request he may have for further information.
Direktiva bi morala tako razlikovati med dvema načinoma, kako ponudnik plačilnih storitev daje informacije: informacije bi morale biti zagotovljene, tj. ponudnik plačilnih storitev bi jih moral v skladu s to direktivo v ustreznem času sam zagotoviti, ne da bi jih moral uporabnik plačilnih storitev izrecno zahtevati, ali pa bi morale biti uporabniku plačilnih storitev dane na voljo ob upoštevanju vseh njegovih zahtev za dodatne informacije.
In the latter case, the payment service user should take some active steps in order to obtain the information, such as requesting it explicitly from the payment service provider, logging into bank account mail box or inserting a bank card into printer for account statements.
V zadnjem primeru bi si moral uporabnik plačilnih storitev dejavno prizadevati za pridobitev informacij: jih od ponudnika plačilnih storitev izrecno zahtevati, se prijaviti v poštni nabiralnik bančnega računa ali vstaviti bančno kartico v tiskalnik za bančne izpiske.
For such purposes the payment service provider should ensure that access to the information is possible and that the information is available to the payment service user.
Ponudnik plačilnih storitev bi moral v ta namen zagotoviti, da ima uporabnik plačilnih storitev možnost dostopa do informacij in da so mu te na voljo.
In addition, the consumer should receive basic information on executed payment transactions for no additional charge.
Poleg tega bi moral potrošnik prejeti osnovne informacije o izvršenih plačilnih transakcijah brez dodatnih nadomestil.
In the case of a single payment transaction the payment service provider should not charge separately for this information.
Če gre za enkratno plačilno transakcijo, ponudnik plačilnih storitev te informacije ne bi smel zaračunavati ločeno.
Similarly, the subsequent monthly information on payment transactions under a framework contract should be given free of charge.
Podobno bi se morale naknadne mesečne informacije o plačilnih transakcijah na podlagi okvirne pogodbe dajati brezplačno.
However, taking into account the importance of transparency in pricing and differing customer needs, the parties should be able to agree on charges for more frequent or additional information.
Glede na pomembnost preglednosti določanja cen in različne potrebe strank bi moralo biti pogodbenikom omogočeno, da se dogovorijo glede nadomestil, zaračunanih za pogostejše ali dodatne informacije.
In order to take into account different national practices, Member States should be allowed to set rules requiring that monthly paper-based statements of payment accounts are always to be given free of charge.
Da bi se ustrezno upoštevale različne nacionalne prakse, bi bilo treba državam članicam dovoliti, da določijo pravila, na podlagi katerih je treba mesečne izpiske plačil na papirju vedno posredovati brezplačno.
In order to facilitate customer mobility, it should be possible for consumers to terminate a framework contract after the expiry of a year without incurring charges.
Za omogočanje večje mobilnosti strank bi morali imeti potrošniki na voljo možnost, da po preteku enega leta prekinejo okvirno pogodbo, ne da bi se jim zaračunala nadomestila.
For consumers, the period of notice agreed should be no longer than a month, and for payment service providers no shorter than two months.
Za potrošnike dogovorjeni odpovedni rok ne bi smel biti daljši od enega meseca, za ponudnike plačilnih storitev pa ne krajši od dveh mesecev.
This Directive should be without prejudice to the payment service provider's obligation to terminate the payment service contract in exceptional circumstances under other relevant Community or national legislation, such as legislation on money laundering and terrorist financing, any action targeting the freezing of funds, or any specific measure linked to the prevention and investigation of crimes.
Ta direktiva ne bi smela posegati v obveznost ponudnika plačilnih storitev, da prekine pogodbo o plačilnih storitvah v izjemnih primerih v skladu z drugo zadevno zakonodajo Skupnosti ali nacionalno zakonodajo, npr. zakonodajo na področju pranja denarja in financiranja terorizma, kakršnimi koli ukrepi za zamrznitev sredstev ali kakršnim koli posebnim ukrepom, povezanim s preprečevanjem in preiskovanjem kaznivih dejanj.
Low value payment instruments should be a cheap and easy-to-use alternative in the case of low-priced goods and services and should not be overburdened by excessive requirements.
Instrumenti za plačila majhnih vrednostih bi morali biti poceni in za uporabo preprosta alternativa v primeru blaga in storitev nizkih cen in ne bi smeli biti preobremenjeni s pretiranimi zahtevami.
The relevant information requirements and rules on their execution should therefore be limited to essential information, taking also into account technical capabilities that can justifiably be expected from instruments dedicated to low value payments.
Ustrezne zahteve glede obveščanja in pravila za njihovo izvajanje bi zato morala biti omejena na bistvene informacije in pri tem upoštevati tudi tehnične zmožnosti, ki se jih lahko upravičeno pričakuje za instrumente, namenjene plačilom majhnih vrednosti.
Despite the lighter regime payment service users should benefit from adequate protection considering the limited risks posed by those payment instruments, especially with regard to prepaid payment instruments.
Uporabniki plačilnih storitev bi morali biti kljub manj strogemu režimu deležni zadostne zaščite, saj ti plačilni instrumenti pomenijo omejeno tveganje, kar velja zlasti za predplačniške instrumente.