natgillin/translations-raw huggingface dataset:
Notwithstanding the requirements of Article 6, Article 7(1) and (2) and Article 8, Member States shall ensure that the competent authorities are entitled to take steps described under paragraph 1 of this Article to ensure sufficient capital for payment services, in particular where the non-payment services activities of the payment institution impair or are likely to impair the financial soundness of the payment institution.
Ne glede na zahteve iz člena 6, člena 7(1) in (2) ter člena 8 države članice zagotovijo, da imajo pristojni organi pravico sprejeti ukrepe po odstavku 1 tega člena, da zagotovijo dovolj kapitala za plačilne storitve, zlasti v primeru, da dejavnosti plačilne institucije, ki niso plačilne storitve, škodijo ali utegnejo škoditi finančni trdnosti plačilne institucije.
Professional secrecy
Poklicna skrivnost
Member States shall ensure that all persons working or who have worked for the competent authorities, as well as experts acting on behalf of the competent authorities, are bound by the obligation of professional secrecy, without prejudice to cases covered by criminal law.
Države članice zagotovijo, da vse osebe, ki delajo ali so delale za pristojne organe, ter strokovnjake, ki delujejo v imenu pristojnih organov, zavezuje dolžnost varovanja poklicne skrivnosti, brez poseganja v primere, ki sodijo v kazensko pravo.
In the exchange of information in accordance with Article 24, professional secrecy shall be strictly applied to ensure the protection of individual and business rights.
Pri izmenjavi informacij v skladu s členom 24 se strogo uporablja načelo poklicne skrivnosti, da se zagotovi varstvo pravic posameznikov in podjetij.
Member States may apply this Article taking into account, mutatis mutandis, Articles 44 to 52 of Directive 2006/48/EC.
Države članice lahko uporabljajo ta člen ob smiselnem upoštevanju členov 44 do 52 Direktive 2006/48/ES.
Right to apply to the courts
Pravica do sodnega varstva
Member States shall ensure that decisions taken by the competent authorities in respect of a payment institution pursuant to the laws, regulations and administrative provisions adopted in accordance with this Directive may be contested before the courts.
Države članice zagotovijo, da se odločitve, ki jih sprejmejo pristojni organi za plačilne institucije v zvezi z spoštovanjem zakonov in drugih predpisov, sprejetih v skladu s to direktivo, lahko izpodbijajo pred sodišči.
Paragraph 1 shall apply also in respect of failure to act.
Odstavek 1 se uporablja tudi v primerih neukrepanja.
The competent authorities of the different Member States shall cooperate with each other and, where appropriate, with the European Central Bank and the national central banks of the Member States and other relevant competent authorities designated under Community or national legislation applicable to payment service providers.
Pristojni organi različnih držav članic sodelujejo med seboj in po potrebi tudi z Evropsko centralno banko, nacionalnimi centralnimi bankami držav članic in drugimi ustreznimi pristojnimi organi, določenimi v skladu z zakonodajo Skupnosti ali nacionalno zakonodajo, ki se uporablja za ponudnike plačilnih storitev.
Member States shall, in addition, allow the exchange of information between their competent authorities and the following:
Države članice poleg tega dovolijo izmenjavo informacij med svojimi pristojnimi organi in naslednjimi:
the competent authorities of other Member States responsible for the authorisation and supervision of payment institutions;
pristojnimi organi drugih držav članic, pristojnimi za izdajo dovoljenja in nadzor plačilnih institucij;
the European Central Bank and the national central banks of Member States, in their capacity as monetary and oversight authorities, and, where appropriate, other public authorities responsible for overseeing payment and settlement systems;
Evropsko centralno banko in nacionalnimi centralnimi bankami držav članic, kot monetarnimi in nadzornimi organi, in po potrebi drugimi javnimi organi, pristojnimi za nadzor nad plačilnimi sistemi in sistemi poravnave;
other relevant authorities designated under this Directive, Directive 95/46/EC, Directive 2005/60/EC and other Community legislation applicable to payment service providers, such as legislation applicable to the protection of individuals with regard to the processing of personal data as well as money laundering and terrorist financing.
drugimi ustreznimi organi, določenimi na podlagi te direktive, Direktive 95/46/ES, Direktive 2005/60/ES in druge zakonodaje Skupnosti, ki se uporablja za ponudnike plačilnih storitev, kot je zakonodaja, ki se uporablja za varovanje posameznikov pri obdelavi osebnih podatkov, pranje denarja in financiranje terorizma.
Exercise of the right of establishment and freedom to provide services
Uresničevanje pravice do ustanavljanja in svobode opravljanja storitev
Any authorised payment institution wishing to provide payment services for the first time in a Member State other than its home Member State, in exercise of the right of establishment or the freedom to provide services, shall so inform the competent authorities in its home Member State.
Vsaka plačilna institucija z dovoljenjem, ki želi prvič opravljati plačilne storitve v državi članici, razen svoje matične države članice, na podlagi uresničevanja pravice ustanavljanja ali svobode opravljanja storitev, obvesti pristojne organe v matični državi članici.
Within one month of receiving that information, the competent authorities of the home Member State shall inform the competent authorities of the host Member State of the name and address of the payment institution, the names of those responsible for the management of the branch, its organisational structure and of the kind of payment services it intends to provide in the territory of the host Member State.
Pristojni organi v matični državi članici v enem mesecu od prejema tega obvestila obvestijo pristojne organe v državi članici gostiteljici o imenu in naslovu plačilne institucije, imenih odgovornih za upravljanje podružnice, njeni organizacijski strukturi ter o vrstah plačilnih storitev, ki jih namerava opravljati na ozemlju države članice gostiteljice.
In order to carry out the controls and take the necessary steps provided for in Article 21 in respect of the agent, branch or entity to which activities are outsourced of a payment institution located in the territory of another Member State, the competent authorities of the home Member State shall cooperate with the competent authorities of the host Member State.
Pristojni organi matične države članice sodelujejo s pristojnimi organi v državi članici gostiteljici, da lahko opravljajo kontrole in sprejemajo potrebne ukrepe, predvidene v členu 21, za zastopnika, podružnico ali zunanjega izvajalca plačilne institucije, ki se nahaja na ozemlju druge države članice.
By way of cooperation in accordance with paragraphs 1 and 2, the competent authorities of the home Member State shall notify the competent authorities of the host Member State whenever they intend to carry out an on-site inspection in the territory of the latter.
Na podlagi sodelovanja v skladu z odstavkoma 1 in 2 pristojni organi matične države članice obvestijo pristojne organe države članice gostiteljice vedno, kadar nameravajo opraviti inšpekcijski pregled na kraju samem na ozemlju slednje.
However, if they so wish, the competent authorities of the home Member State may delegate to the competent authorities of the host Member State the task of carrying out on-site inspections of the institution concerned.
Če pa tako želijo, pristojni organi matične države članice prenesejo na pristojne organe v državi članici gostiteljici nalogo, da opravljajo inšpekcijske preglede na kraju samem v ustrezni instituciji.
The competent authorities shall provide each other with all essential and/or relevant information, in particular in the case of infringements or suspected infringements by an agent, a branch or an entity to which activities are outsourced.
Pristojni organi si med seboj zagotovijo vse bistvene in/ali ustrezne informacije, zlasti v primeru kršitev ali domnevnih kršitev s strani zastopnika, podružnice ali zunanjega izvajalca.
In this regard, the competent authorities shall communicate, upon request, all relevant information and, on their own initiative, all essential information.
V tem smislu pristojni organi na zahtevo sporočijo vse ustrezne informacije, na lastno pobudo pa vse bistvene informacije.
Paragraphs 1 to 4 shall be without prejudice to the obligation of competent authorities under Directive 2005/60/EC and Regulation (EC) No 1781/2006, in particular under Article 37(1) of Directive 2005/60/EC and Article 15(3) of Regulation (EC) No 1781/2006 to supervise or monitor the compliance with the requirements laid down in those instruments.
Odstavki 1 do 4 ne posegajo v obveznost pristojnih organov, da v skladu z Direktivo 2005/60/ES in Uredbo (ES) št. 1781/2006, in zlasti členom 37(1) Direktive 2005/60/ES in členom 15(3) Uredbe (ES) št. 1781/2006, nadzorujejo ali spremljajo spoštovanje zahtev iz teh instrumentov.
Waiver
Opustitev
Notwithstanding Article 13, Member States may waive or allow their competent authorities to waive the application of all or part of the procedure and conditions set out in Sections 1 to 3, with the exception of Articles 20, 22, 23 and 24, and allow natural or legal persons to be entered in the register provided for in Article 13, where:
Ne glede na člen 13 lahko države članice opustijo ali dovolijo svojim pristojnim organom, da opustijo uporabo dela ali celotnega postopka in pogojev iz oddelkov 1 do 3, razen iz členov 20, 22, 23 in 24, ter dovolijo fizični ali pravni osebi vpis v register iz člena 13, če:
the average of the preceding 12 months' total amount of payment transactions executed by the person concerned, including any agent for which it assumes full responsibility, does not exceed EUR 3 million per month.
povprečje skupnega zneska plačilnih transakcij, ki jih je v predhodnih dvanajstih mesecih izvedla zadevna oseba, vključno z vsemi zastopniki, za katere prevzema polno odgovornost, ne presega 3 milijonov EUR na mesec.
That requirement shall be assessed on the projected total amount of payment transactions in its business plan, unless an adjustment to that plan is required by the competent authorities; and
Ta zahteva se oceni glede na predvideni skupni znesek plačilnih transakcij v njenem poslovnem načrtu, razen če pristojni organi zahtevajo prilagoditev tega načrta; in
none of the natural persons responsible for the management or operation of the business has been convicted of offences relating to money laundering or terrorist financing or other financial crimes.
nobena od fizičnih oseb, ki so odgovorne za upravljanje ali izvajanje dejavnosti, ni bila obsojena za kazniva dejanja pranja denarja, financiranja terorizma ali za druga finančna kazniva dejanja.
Any natural or legal person registered in accordance with paragraph 1 shall be required to have its head office or place of residence in the Member State in which it actually carries on its business.
Vsaka fizična ali pravna oseba, registrirana v skladu z odstavkom 1, mora imeti glavno upravo ali prebivališče v državi članici, v kateri dejansko opravlja dejavnost.
The persons referred to in paragraph 1 shall be treated as payment institutions, save that Article 10(9) and Article 25 shall not apply to them.
Osebe iz odstavka 1 se obravnavajo kot plačilne institucije, vendar se člena 10(9) in 25 zanje ne uporabljata.
Member States may also provide that any natural or legal person registered in accordance with paragraph 1 may engage only in certain activities listed in Article 16.
Države članice lahko določijo tudi, da se lahko vsaka fizična ali pravna oseba, registrirana v skladu z odstavkom 1, ukvarja samo z nekaterimi dejavnostmi iz člena 16.
The persons referred to in paragraph 1 shall notify the competent authorities of any change in their situation which is relevant to the conditions specified in that paragraph.
Osebe iz odstavka 1 obvestijo pristojne organe o vsaki spremembi svojega položaja, ki je pomembna za pogoje iz navedenega odstavka.
Member States shall take the necessary steps to ensure that where the conditions set out in paragraphs 1, 2 and 4 are no longer fulfilled, the persons concerned shall seek authorisation within 30 calendar days in accordance with the procedure laid down in Article 10.
Države članice sprejmejo ukrepe, potrebne za zagotovitev, da zadevne osebe v primeru, ko pogoji iz odstavkov 1, 2 in 4 niso več izpolnjeni, v skladu s postopkom iz člena 10 v roku 30 koledarskih dni zaprosijo za dovoljenje.
This Article shall not be applied in respect of provisions of Directive 2005/60/EC or national anti-money-laundering provisions.
Ta člen se ne uporablja za določbe iz Direktive 2005/60/ES niti za nacionalne določbe o preprečevanju pranja denarja.
Notification and information
Obveščanje in informacije
If a Member State avails itself of the waiver provided for in Article 26, it shall notify the Commission accordingly by 1 November 2009 and it shall notify the Commission forthwith of any subsequent change.
Če se država članica poslužuje opustitve iz člena 26, o tem obvesti Komisijo do 1. novembra 2009 in jo takoj obvesti o kakršnih koli naknadnih spremembah.
In addition, the Member State shall inform the Commission of the number of natural and legal persons concerned and, on an annual basis, of the total amount of payment transactions executed as of 31 December of each calendar year, as referred to in Article 26(1)(a).
Poleg tega država članica obvesti Komisijo o številu zadevnih fizičnih in pravnih oseb in jo vsako leto obvesti o skupnem znesku izvršenih plačilnih transakcij po stanju na dan 31. decembra vsakega koledarskega leta, kakor je navedeno v členu 26(1)(a).
Access to payment systems
Dostop do plačilnih sistemov
Member States shall ensure that the rules on access of authorised or registered payment service providers that are legal persons to payment systems shall be objective, non-discriminatory and proportionate and that those rules do not inhibit access more than is necessary to safeguard against specific risks such as settlement risk, operational risk and business risk and to protect the financial and operational stability of the payment system.
Države članice zagotovijo, da so pravila o dostopu ponudnikov plačilnih storitev z dovoljenjem ali registriranih ponudnikov plačilnih storitev, ki so pravne osebe, do plačilnih sistemov objektivna, nediskriminatorna in sorazmerna in ne omejujejo dostopa bolj, kakor je potrebno za varovanje pred posebnimi tveganji, kot je tveganje poravnave, operativno tveganje in poslovno tveganje, ter za varovanje finančne in operativne stabilnosti plačilnega sistema.
Payment systems shall impose on payment service providers, on payment service users or on other payment systems none of the following requirements:
Plačilni sistemi ponudnikom plačilnih storitev, uporabnikom plačilnih storitev ali drugim plačilnim sistemom ne določajo nobene od naslednjih zahtev:
any restrictive rule on effective participation in other payment systems;
kakršnih koli omejevalnih pravil v zvezi z dejansko udeležbo v drugih plačilnih sistemih;
any rule which discriminates between authorised payment service providers or between registered payment service providers in relation to the rights, obligations and entitlements of participants; or
kakršnih koli pravil, ki diskriminirajo med ponudniki plačilnih storitev z dovoljenjem ali med registriranimi ponudniki plačilnih storitev glede pravic, obveznosti in upravičenosti udeležencev; ali
any restriction on the basis of institutional status.
kakršnih koli omejitev na podlagi institucionalnega statusa.
Paragraph 1 shall not apply to:
Odstavek 1 se ne uporablja za:
payment systems designated under Directive 98/26/EC;
plačilne sisteme, določene na podlagi Direktive 98/26/ES;
payment systems composed exclusively of payment service providers belonging to a group composed of entities linked by capital where one of the linked entities enjoys effective control over the other linked entities; or
plačilne sisteme, ki združujejo izključno ponudnike plačilnih storitev, ki spadajo v skupino subjektov, povezanih s kapitalom, ki daje enemu od povezanih subjektov dejansko kontrolo nad drugimi povezanimi subjekti; ali
payment systems where a sole payment service provider (whether as a single entity or as a group):
plačilne sisteme, kjer en sam ponudnik plačilnih storitev (bodisi kot samostojni subjekt ali kot skupina):
acts or can act as the payment service provider for both the payer and the payee and is exclusively responsible for the management of the system, and
deluje ali lahko deluje kot ponudnik plačilnih storitev obenem za plačnika in za prejemnika plačila ter je izključno odgovoren za upravljanje sistema in
licenses other payment service providers to participate in the system and the latter have no right to negotiate fees between or amongst themselves in relation to the payment system although they may establish their own pricing in relation to payers and payees.
dovoli drugim ponudnikom plačilnih storitev udeležbo v sistemu in slednji nimajo pravice, da se med sabo oziroma v svojem krogu pogajajo glede provizij v zvezi s plačilnim sistemom, četudi lahko sami oblikujejo cene za plačnike in za prejemnike plačila.
Prohibition for persons other than payment service providers to provide payment services
Prepoved opravljanja plačilnih storitev vsem, ki niso ponudniki plačilnih storitev
Member States shall prohibit natural or legal persons that are neither payment service providers nor explicitly excluded from the scope of this Directive from providing the payment services listed in the Annex.
Države članice prepovedujejo opravljanje plačilnih storitev, navedenih v Prilogi, fizičnim ali pravnim osebam, ki niso niti ponudniki plačilnih storitev niti izrecno izključeni s področja uporabe te direktive.
TRANSPARENCY OF CONDITIONS AND INFORMATION REQUIREMENTS FOR PAYMENT SERVICES
PREGLEDNOST POGOJEV IN ZAHTEVE ZA INFORMACIJE ZA PLAČILNE STORITVE
This Title shall apply to single payment transactions, framework contracts and payment transactions covered by them.
Ta naslov se uporablja za enkratne plačilne transakcije, okvirne pogodbe in plačilne transakcije iz teh pogodb.
The parties may agree that it shall not apply in whole or in part when the payment service user is not a consumer.
Pogodbeniki se lahko dogovorijo, da se ne uporablja v celoti ali delno, kadar uporabnik plačilnih storitev ni potrošnik.
Member States may provide that the provisions in this Title shall be applied to micro enterprises in the same way as to consumers.
Države članice lahko določijo, da se določbe iz tega naslova uporabljajo enako za mikropodjetja kot za potrošnike.
Other provisions in Community legislation
Druge določbe zakonodaje Skupnosti
The provisions of this Title are without prejudice to any Community legislation containing additional requirements on prior information.
Določbe tega naslova ne posegajo v zakonodajo Skupnosti, ki vsebuje dodatne zahteve glede predhodnega obveščanja.
However, where Directive 2002/65/EC is also applicable, the information requirements set out in Article 3(1) of that Directive, with the exception of points (2)(c) to (g), (3)(a), (d) and (e), and (4)(b) of that paragraph shall be replaced by Articles 36, 37, 41 and 42 of this Directive.
Vendar pa se v primerih, ko se uporabi Direktiva 2002/65/ES, zahteve po obveščanju iz člena 3(1) navedene direktive, razen točk (2)(c) do (g), (3)(a), (d) in (e) ter (4)(b) navedenega odstavka, nadomestijo s členi 36, 37, 41 in 42 te direktive.
Charges for information
Stroški obveščanja
The payment service provider shall not charge the payment service user for providing information under this Title.
Ponudnik plačilnih storitev uporabniku plačilnih storitev ne zaračuna za informacije iz tega naslova.
The payment service provider and the payment service user may agree on charges for additional or more frequent information, or transmission by means of communication other than those specified in the framework contract, provided at the payment service user's request.
Ponudnik plačilnih storitev in uporabnik plačilnih storitev se lahko dogovorita o nadomestilih za dodatno ali bolj pogosto obveščanje, ali o pošiljanju informacij s sredstvi, ki niso določena v okvirni pogodbi, ki je bilo izvršeno na zahtevo uporabnika plačilnih storitev.
Where the payment service provider may impose charges for information in accordance with paragraph 2, they shall be appropriate and in line with the payment service provider's actual costs.
V primerih, ko ponudnik plačilnih storitev lahko zaračuna informacije v skladu z odstavkom 2, je zaračunani znesek primeren in v skladu z dejanskimi stroški ponudnika plačilnih storitev.
Burden of proof on information requirements
Dokazno breme glede zahtev po obveščanju
Member States may stipulate that the burden of proof shall lie with the payment service provider to prove that it has complied with the information requirements set out in this Title.
Države članice lahko določijo, da ponudnik plačilnih storitev nosi breme dokazovanja, da je izpolnil zahteve glede obveščanja iz tega naslova.
Derogation from information requirements for low-value payment instruments and electronic money
Odstopanje od zahtev glede obveščanja za instrumente za plačila majhnih vrednosti in elektronski denar
In cases of payment instruments which, according to the framework contract, concern only individual payment transactions that do not exceed EUR 30 or that either have a spending limit of EUR 150 or store funds that do not exceed EUR 150 at any time:
V primeru plačilnih instrumentov, ki v skladu z okvirno pogodbo omogočajo samo posamezne plačilne transakcije, ki ne presegajo 30 EUR, oziroma instrumentov, ki imajo bodisi omejitev porabe 150 EUR, bodisi shranjena sredstva, katerih znesek v nobenem trenutku ne presega 150 EUR:
by way of derogation from Articles 41, 42 and 46, the payment service provider shall provide the payer only with information on the main characteristics of the payment service, including the way in which the payment instrument can be used, liability, charges levied and other material information needed to take an informed decision as well as an indication of where any other information and conditions specified in Article 42 are made available in an easily accessible manner;
z odstopanjem od členov 41, 42 in 46 ponudnik plačilnih storitev zagotavlja plačniku zgolj informacije o glavnih značilnostih plačilne storitve, vključno z možnim načinom uporabe plačilnega instrumenta, odgovornostjo, zaračunanim zneskom in drugimi bistvenimi informacijami, potrebnimi za sprejetje utemeljene odločitve, ter podatek o tem, kje so na voljo in zlahka dostopne kakršne koli druge informacije ali pogoji, določeni v členu 42;
it may be agreed that, by way of derogation from Article 44, the payment service provider shall not be required to propose changes in the conditions of the framework contract in the same way as provided for in Article 41(1);
z odstopanjem od člena 44 se lahko dogovori, da ponudniku plačilnih storitev ni treba predlagati sprememb pogodbenih pogojev okvirne pogodbe tako, kot je določeno v členu 41(1);
it may be agreed that, by way of derogation from Articles 47 and 48, after the execution of a payment transaction:
se lahko z odstopanjem od členov 47 in 48 dogovori, da po izvedbi posamezne plačilne transakcije:
the payment service provider shall provide or make available only a reference enabling the payment service user to identify the payment transaction, the amount of the payment transaction, any charges and/or, in the case of several payment transactions of the same kind made to the same payee, information on the total amount and charges for those payment transactions;
ponudnik plačilnih storitev zagotovi ali da na voljo zgolj sklic, ki plačniku omogoča identifikacijo plačilne transakcije, znesek plačilne transakcije in vsa nadomestila, in/ali v primeru več plačilnih transakcij iste vrste za istega prejemnika plačila zgolj informacije o celotnem znesku in nadomestilih za te plačilne transakcije;