natgillin/translations-raw huggingface dataset:
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 28;
plačilne transakcije, izvedene znotraj plačilnega sistema ali sistema poravnave vrednostnih papirjev med poravnalnimi zastopniki, osrednjimi nasprotnimi strankami, klirinškimi hišami in/ali centralnimi bankami in drugimi udeleženci v sistemu ter ponudniki plačilnih storitev, brez poseganja v člen 28;
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;
plačilne transakcije v zvezi s servisiranjem vrednostnih papirjev, vključno z dividendami, delitvami prihodkov ali drugimi delitvami, ali odkupom ali prodajo, ki jih izvedejo osebe iz točke (h) ali investicijske družbe, kreditne institucije, kolektivna naložbena podjetja ali družbe za upravljanje premoženja, ki opravljajo investicijske storitve, in vsi drugi subjekti, ki lahko hranijo finančne instrumente;
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;
storitve, ki jih ponujajo ponudniki tehničnih storitev, ki podpirajo opravljanje plačilnih storitev, ne da bi v katerem koli trenutku imeli v posesti sredstva, ki se prenašajo, vključno z obdelavo in shranjevanjem podatkov, storitvami za varovanje zaupanja in zasebnosti, preverjanjem pristnosti podatkov in subjektov, zagotavljanjem informacijske tehnologije (IT) in komunikacijske mreže, zagotavljanjem in vzdrževanjem terminalov in naprav, ki se uporabljajo za plačilne storitve;
services based on instruments that can be used to acquire goods or services only in the premises used by the issuer or under a commercial agreement with the issuer either within a limited network of service providers or for a limited range of goods or services;
storitve, ki temeljijo na instrumentih, ki se lahko uporabljajo za nakup blaga ali storitev samo v prostorih izdajatelja ali na podlagi trgovinskega sporazuma z izdajateljem v okviru omejene mreže ponudnikov storitev ali za omejeni izbor blaga ali storitev;
payment transactions executed by means of any telecommunication, digital or IT device, where the goods or services purchased are delivered to and are to be used through a telecommunication, digital or IT device, provided that the telecommunication, digital or IT operator does not act only as an intermediary between the payment service user and the supplier of the goods and services;
plačilne transakcije, izvršene s kakršnimi koli telekomunikacijskimi, digitalnimi ali IT napravami, pri čemer se kupljeno blago ali storitve dobavljajo na telekomunikacijske, digitalne ali IT naprave in naj bi se tudi uporabljale z njimi, pod pogojem, da upravljavec telekomunikacijskega, digitalnega ali IT omrežja ne deluje le kot posrednik med uporabnikom plačilnih storitev ter ponudnikom blaga in storitev;
payment transactions carried out between payment service providers, their agents or branches for their own account;
plačilne transakcije, izvršene med ponudniki plačilnih storitev, njihovimi zastopniki ali podružnicami za njihov račun;
payment transactions 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; or
plačilne transakcije med matično družbo in njeno hčerinsko družbo ali med hčerinskimi družbami iste matične družbe, brez vmesnega posredovanja ponudnika plačilnih storitev, ki ni podjetje iz iste skupine; ali
services by providers to withdraw cash by means of automated teller machines 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 these providers do not conduct other payment services as listed in the Annex.
storitve, povezane z dvigom gotovine na bankomatih, ki jih zagotavljajo ponudniki, ki delujejo v imenu enega ali več izdajateljev kartic, pri čemer ti ponudniki nimajo sklenjene okvirne pogodbe s stranko, ki dviguje denar s plačilnega računa, pod pogojem, da ti ponudniki ne izvajajo drugih plačilnih storitev, naštetih v Prilogi.
‘home Member State’ means either of the following:
„matična država članica“ pomeni katero koli od naslednjih:
the Member State in which the registered office of the payment service provider is situated; or
državo članico, kjer je registrirani sedež ponudnika plačilnih storitev; ali
if the payment service provider has, under its national law, no registered office, the Member State in which its head office is situated;
če ponudnik plačilnih storitev v skladu z nacionalno zakonodajo nima registriranega sedeža, državo članico, kjer je njegova glavna uprava;
‘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;
„država članica gostiteljica“ pomeni katero koli državo članico, razen matične države članice, v kateri ima ponudnik plačilnih storitev zastopnika ali podružnico ali opravlja plačilne storitve;
‘payment service’ means any business activity listed in the Annex;
„plačilna storitev“ pomeni katero koli poslovno dejavnost, našteto v Prilogi;
‘payment institution’ means a legal person that has been granted authorisation in accordance with Article 10 to provide and execute payment services throughout the Community;
„plačilne institucije“ pomeni pravno osebo, ki je v skladu s členom 10 pridobila dovoljenje za opravljanje in izvrševanje plačilnih storitev v Skupnosti;
‘payment transaction’ means an act, initiated by the payer or by the payee, of placing, transferring or withdrawing funds, irrespective of any underlying obligations between the payer and the payee;
„plačilna transakcija“ pomeni dejanje pologa, prenosa ali dviga sredstev, ki ga odredi plačnik ali prejemnik plačila neodvisno od osnovnih obveznosti med plačnikom in prejemnikom plačila;
‘payment system’ means a funds transfer system with formal and standardised arrangements and common rules for the processing, clearing and/or settlement of payment transactions;
„plačilni sistem“ pomeni sistem za prenos sredstev s formalnimi in standardiziranimi dogovori ter skupnimi pravili za obdelavo, obračun in/ali poravnavo plačilnih transakcij;
‘payer’ means a natural or legal person who holds a payment account and allows a payment order from that payment account, or, where there is no payment account, a natural or legal person who gives a payment order;
„plačnik“ pomeni fizično ali pravno osebo, ki je imetnik plačilnega računa in odredi plačilni nalog v breme plačilnega računa, ali, če plačilni račun ne obstaja, fizično ali pravno osebo, ki izda plačilni nalog;
‘payee’ means a natural or legal person who is the intended recipient of funds which have been the subject of a payment transaction;
„prejemnik plačila“ pomeni fizično ali pravno osebo, ki je predviden prejemnik sredstev, ki so bila predmet plačilne transakcije;
‘payment service provider’ means bodies referred to in Article 1(1) and legal and natural persons benefiting from the waiver under Article 26;
„ponudnik plačilnih storitev“ pomeni telesa iz člena 1(1) in pravne ter fizične osebe, ki jim je bila odobrena opustitev v skladu s členom 26;
‘payment service user’ means a natural or legal person making use of a payment service in the capacity of either payer or payee, or both;
„uporabnik plačilnih storitev“ je fizična ali pravna oseba, ki uporablja plačilne storitve kot plačnik ali prejemnik plačila ali oboje;
‘consumer’ means a natural person who, in payment service contracts covered by this Directive, is acting for purposes other than his trade, business or profession;
„potrošnik“ pomeni fizično osebo, ki pri pogodbah o plačilnih storitvah iz te direktive deluje zunaj področja svoje trgovske, poslovne ali poklicne dejavnosti;
‘framework contract’ means a payment service contract which governs the future execution of individual and successive payment transactions and which may contain the obligation and conditions for setting up a payment account;
„okvirna pogodba“ pomeni pogodbo o plačilnih storitvah, ki ureja izvršitev enkratne plačilne transakcije ali več zaporednih plačilnih transakcij v prihodnosti in lahko vsebuje obveznost in pogoje za odprtje plačilnega računa;
‘money remittance’ means a payment service where funds are received from a payer, without any payment accounts being created in the name of the payer or the payee, for the sole purpose of transferring a corresponding amount to a payee or to another payment service provider acting on behalf of the payee, and/or where such funds are received on behalf of and made available to the payee;
„denarno nakazilo“ pomeni plačilno storitev, pri kateri se sredstva prejmejo od plačnika, ne da bi se odprl plačilni račun za plačnika ali prejemnika plačila, izključno z namenom, da se prenese enak znesek prejemniku plačila ali drugemu ponudniku plačilnih storitev, ki deluje v imenu prejemnika plačila, in/ali kjer se taka sredstva prejmejo v imenu prejemnika plačila in se mu dajo na voljo;
‘payment account’ means an account held in the name of one or more payment service users which is used for the execution of payment transactions;
„plačilni račun“ pomeni račun, voden v imenu enega ali več uporabnikov plačilnih storitev, ki se uporablja za izvršitev plačilnih transakcij;
‘funds’ means banknotes and coins, scriptural money and electronic money as defined in Article 1(3)(b) of Directive 2000/46/EC;
„sredstva“ pomenijo bankovce in kovance, knjižni denar in elektronski denar, kakor je opredeljen v členu 1(3)(b) Direktive 2000/46/ES;
‘payment order’ means any instruction by a payer or payee to his payment service provider requesting the execution of a payment transaction;
„plačilni nalog“ je navodilo plačnika ali prejemnika plačila njegovemu ponudniku plačilnih storitev, s katerim zahteva izvedbo plačilne transakcije;
‘value date’ means a reference time used by a payment service provider for the calculation of interest on the funds debited from or credited to a payment account;
„datum valute“ pomeni referenčni čas, ki ga uporablja ponudnik plačilnih storitev za izračun obresti na sredstva, knjižena v breme ali v dobro plačilnega računa;
‘reference exchange rate’ means the exchange rate which is used as the basis to calculate any currency exchange and which is made available by the payment service provider or comes from a publicly available source;
„referenčni menjalni tečaj“ pomeni menjalni tečaj, ki se uporablja kot osnova za izračun kakršne koli menjave valut in ga da na voljo ponudnik plačilnih storitev ali prihaja iz vira, ki je dostopen javnosti;
‘authentication’ means a procedure which allows the payment service provider to verify the use of a specific payment instrument, including its personalised security features;
„preverjanje pristnosti“ pomeni postopek, ki omogoča ponudniku plačilnih storitev, da preveri uporabo določenega plačilnega instrumenta, vključno z njegovimi osebnimi varnostnimi elementi;
‘reference interest rate’ means the interest rate which is used as the basis for calculating any interest to be applied and which comes from a publicly available source which can be verified by both parties to a payment service contract;
„referenčna obrestna mera“ je obrestna mera, ki se uporablja kot osnova za izračun obresti, ki se uporabljajo, in ki prihaja iz javnosti dostopnega vira, ki ga lahko preverita obe stranki pogodbe o plačilnih storitvah;
‘unique identifier’ means a combination of letters, numbers or symbols specified to the payment service user by the payment service provider and to be provided by the payment service user to identify unambiguously the other payment service user and/or his payment account for a payment transaction;
„enolična identifikacijska oznaka“ pomeni kombinacijo črk, številk ali znakov, ki jo ponudnik plačilnih storitev določi uporabniku plačilnih storitev in jo mora uporabnik plačilnih storitev navesti za nedvoumno identifikacijo drugega uporabnika plačilnih storitev in/ali njegovega plačilnega računa, ki se uporabi v plačilni transakciji;
‘agent’ means a natural or legal person which acts on behalf of a payment institution in providing payment services;
„zastopnik“ je fizična ali pravna oseba, ki deluje v imenu plačilne institucije pri opravljanju plačilnih storitev;
‘payment instrument’ means any personalised device(s) and/or set of procedures agreed between the payment service user and the payment service provider and used by the payment service user in order to initiate a payment order;
„plačilni instrument“ pomeni vsako osebno napravo oziroma naprave in/ali niz postopkov, dogovorjenih med uporabnikom plačilnih storitev in ponudnikom plačilnih storitev, ki jih uporablja uporabnik plačilnih storitev, da odredi plačilni nalog;
‘means of distance communication’ refers to any means which, without the simultaneous physical presence of the payment service provider and the payment service user, may be used for the conclusion of a payment services contract;
„sredstvo za sporazumevanje na daljavo“ pomeni vsako sredstvo, ki se lahko brez sočasne fizične navzočnosti ponudnika in uporabnika plačilnih storitev uporablja za sklepanje pogodb o plačilnih storitvah;
‘durable medium’ means any instrument which enables the payment service user to store information addressed personally to him in a way accessible for future reference for a period of time adequate to the purposes of the information and which allows the unchanged reproduction of the information stored;
„trajni nosilec podatkov“ je vsak instrument, ki uporabniku plačilnih storitev omogoča shranjevanje podatkov, naslovljenih osebno nanj, tako da so dostopni za poznejšo uporabo tako dolgo, kakor je potrebno za namene teh podatkov, in ki omogoča nespremenjeno predvajanje shranjenih podatkov;
‘micro-enterprise’ means an enterprise, which at the time of conclusion of the payment service contract, is an enterprise as defined in Article 1 and Article 2(1) and (3) of the Annex to Recommendation 2003/361/EC;
„mikropodjetje“ pomeni podjetje, ki je ob sklenitvi pogodbe o plačilnih storitvah podjetje, kakor je opredeljeno v členu 1 in členu 2(1) ter (3) Priloge k Priporočilu 2003/361/ES;
‘business day’ means a day on which the relevant payment service provider of the payer or the payment service provider of the payee involved in the execution of a payment transaction is open for business as required for the execution of a payment transaction;
„delovni dan“ pomeni dan, na katerega zadevni ponudnik plačilnih storitev plačnika ali ponudnik plačilnih storitev prejemnika plačila, ki sodeluje pri izvršitvi plačilne transakcije, posluje tako, kakor se zahteva za izvršitev plačilne transakcije;
‘direct debit’ means a payment service for debiting a payer's payment account, where a payment transaction is initiated by the payee on the basis of the payer's consent given to the payee, to the payee's payment service provider or to the payer's own payment service provider;
„direktna bremenitev“ pomeni plačilno storitev za bremenitev plačilnega računa plačnika, pri kateri plačilno transakcijo odredi prejemnik plačila na podlagi soglasja, ki ga plačnik da bodisi prejemniku plačila bodisi ponudniku plačilnih storitev prejemnika plačila ali svojemu ponudniku plačilnih storitev;
‘branch’ means a place of business other than the head office which is a part of a payment institution, which has no legal personality and which carries out directly some or all of the transactions inherent in the business of a payment institution; all the places of business set up in the same Member State by a payment institution with a head office in another Member State shall be regarded as a single branch;
„podružnica“ pomeni poslovno enoto, ki ni glavna uprava, je pa del plačilne institucije, ki ni pravna oseba in neposredno izvaja nekatere ali vse transakcije, ki so del poslovanja plačilne institucije; vse poslovne enote, ki jih v isti državi članici ustanovijo plačilne institucije z glavno upravo v drugi državi članici, se štejejo za eno samo podružnico;
‘group’ means a group of undertakings, which consists of a parent undertaking, its subsidiaries and the entities in which the parent undertaking or its subsidiaries have a holding as well as undertakings linked to each other by a relationship referred to in Article 12(1) of Directive 83/349/EEC.
„skupina“ pomeni skupino podjetij, sestavljeno iz matičnega podjetja, njegovih hčerinskih družb in subjektov, v katerih ima matično podjetje ali njegove hčerinske družbe delež, pa tudi podjetja v medsebojni povezavi iz člena 12(1) Direktive 83/349/EGS.
PAYMENT SERVICE PROVIDERS
PONUDNIKI PLAČILNIH STORITEV
Payment institutions
Plačilne institucije
Applications for authorisation
Prošnja za dovoljenje
For authorisation as a payment institution, an application shall be submitted to the competent authorities of the home Member State, together with the following:
Plačilna institucija za pridobitev dovoljenja predloži pisno prošnjo pristojnim organom matične države članice, skupaj z naslednjim:
a programme of operations, setting out in particular the type of payment services envisaged;
programom poslovanja, ki zlasti opredeljuje vrste predvidenih plačilnih storitev;
a business plan including a forecast budget calculation for the first three financial years which demonstrates that the applicant is able to employ the appropriate and proportionate systems, resources and procedures to operate soundly;
poslovnim načrtom, vključno z izračunom predvidenega proračuna za prva tri finančna leta, ki dokazuje, da je prosilec sposoben uporabljati ustrezne in sorazmerne sisteme, vire sredstev in postopke za zanesljivo poslovanje;
evidence that the payment institution holds initial capital provided for in Article 6;
dokazilom, da ima plačilna institucija znesek ustanovnega kapitala iz člena 6;
for the payment institutions referred to in Article 9(1), a description of the measures taken for safeguarding payment service users' funds in accordance with Article 9;
za plačilne institucije iz člena 9(1) opisom ukrepov za zavarovanje sredstev uporabnikov plačilnih storitev v skladu s členom 9;
a description of the applicant's governance arrangements and internal control mechanisms, including administrative, risk management and accounting procedures, which demonstrates that these governance arrangements, control mechanisms and procedures are proportionate, appropriate, sound and adequate;
opisom upravljavske ureditve prosilca in mehanizmov notranje kontrole, vključno z administrativnimi in računovodskimi postopki ter postopki obvladovanja tveganja, ki dokazujejo, da so ta administrativna ureditev ter mehanizmi in postopki kontrole sorazmerni, ustrezni, zanesljivi in zadostni;
a description of the internal control mechanisms which the applicant has established in order to comply with obligations in relation to money laundering and terrorist financing under Directive 2005/60/EC and Regulation (EC) No 1781/2006 of the European Parliament and of the Council of 15 November 2006 on information on the payer accompanying transfers of funds;
opisom mehanizmov notranje kontrole, ki jih je vzpostavil prosilec zaradi izpolnjevanja obveznosti v zvezi s pranjem denarja in financiranjem terorizma na podlagi Direktive 2005/60/ES in Uredbe (ES) št. 1781/2006 Evropskega parlamenta in Sveta z dne 15. novembra 2006 o podatkih o plačniku, ki spremljajo prenose denarnih sredstev;
a description of the applicant's structural organisation, including, where applicable, a description of the intended use of agents and branches and a description of outsourcing arrangements, and of its participation in a national or international payment system;
opisom prosilčeve organizacijske zgradbe, vključno z, če je to ustrezno, opisom nameravane uporabe zastopnikov in podružnic, dogovorov o zunanjem izvajanju in njegove udeležbe v nacionalnem ali mednarodnem plačilnem sistemu;
the identity of persons holding in the applicant, directly or indirectly, qualifying holdings within the meaning of Article 4(11) of Directive 2006/48/EC, the size of their holdings and evidence of their suitability taking into account the need to ensure the sound and prudent management of a payment institution;
identiteto oseb, ki imajo pri prosilcu neposredno ali posredno kvalificirane deleže v smislu člena 4(11) Direktive 2006/48/ES, velikostjo njihovih deležev ter dokazilom o njihovi primernosti, ob upoštevanju, da je treba zagotoviti varno in skrbno poslovodenje plačilne institucije;
the identity of directors and persons responsible for the management of the payment institution and, where relevant, persons responsible for the management of the payment services activities of the payment institution, as well as evidence that they are of good repute and possess appropriate knowledge and experience to perform payment services as determined by the home Member State of the payment institution;
identiteto direktorjev in oseb, odgovornih za upravljanje plačilne institucije, in po potrebi oseb, odgovornih za upravljanje dejavnosti plačilnih storitev plačilne institucije, ter dokazili, da imajo dober ugled in ustrezno znanje ter izkušnje za opravljanje plačilnih storitev, kot to določa matična država članica plačilne institucije;
where applicable, the identity of statutory auditors and audit firms as defined in Directive 2006/43/EC of the European Parliament and of the Council of 17 May 2006 on statutory audits of annual accounts and consolidated accounts;
identiteta zakonitih revizorjev in revizijskih podjetij, opredeljenih v Direktivi 2006/43/ES Evropskega parlamenta in Sveta z dne 17. maja 2006 o obveznih revizijah za letne in konsolidirane računovodske izkaze, če je to ustrezno;
the applicant's legal status and articles of association;
pravnim statusom in ustanovnim aktom prosilca;
the address of the applicant's head office.
naslovom glavne uprave prosilca.
For the purposes of points (d), (e) and (g), the applicant shall provide a description of its audit arrangements and the organisational arrangements it has set up with a view to taking all reasonable steps to protect the interests of its users and to ensure continuity and reliability in the performance of payment services.
Za namene točk (d), (e) in (g) prosilec zagotovi opis organizacijskih in revizijskih ureditev, ki jih je vzpostavil, da bi zagotovil vse razumne ukrepe za varovanje interesov svojih uporabnikov in da bi zagotovil neprekinjenost in zanesljivost delovanja plačilnih storitev.
Initial capital
Ustanovni kapital
Member States shall require payment institutions to hold, at the time of authorisation, initial capital, comprised of the items defined in Article 57(a) and (b) of Directive 2006/48/EC as follows:
Države članice od plačilnih institucij zahtevajo, da je njihov ustanovni kapital v času izdaje dovoljenja sestavljen iz postavk, opredeljenih v členu 57(a) in (b) Direktive 2006/48/ES, in sicer:
where the payment institution provides only the payment service listed in point 6 of the Annex, its capital shall at no time be less than EUR 20000;
če plačilna institucija opravlja le plačilno storitev iz točke 6 Priloge, njen kapital nikoli ne sme biti nižji od 20000 EUR;
where the payment institution provides the payment service listed in point 7 of the Annex, its capital shall at no time be less than EUR 50000; and
če plačilna institucija opravlja plačilno storitev iz točke 7 Priloge, njen kapital nikoli ne sme biti nižji od 50000 EUR; in