natgillin/translations-raw huggingface dataset:
Where the direct debit transaction is subject to a bilateral agreement, however, the terms of such a bilateral agreement should take precedence over any multilateral interchange fee or other agreed inter-bank remuneration.
Če za plačilo z neposredno bremenitvijo velja dvostranski sporazum, bi morali pogoji dvostranskega sporazuma prevladati nad vsako večstransko pristojbino za izmenjavo ali drugo medbančno dogovorjeno pristojbino.
Industry can make use of the legal certainty provided during the transitional period to develop and agree a common, long-term business model for the operation of the SEPA direct debit.
Sektor lahko s pomočjo pravne varnosti, zagotovljene v prehodnem obdobju, razvije in doreče skupni, dolgoročni poslovni model za izvajanje neposrednih bremenitev SEPA.
At the end of the transitional period, a long-term solution for the SEPA direct debit business model should be in place in line with EC competition law and the Community regulatory framework.
Ob koncu prehodnega obdobja bi morala biti za poslovni model neposrednih bremenitev SEPA vzpostavljena dolgoročna rešitev, skladna s pravom ES o konkurenci in regulativnim okvirom Skupnosti.
Within the framework of a sustained dialogue with the banking industry and on the basis of contributions made by the relevant market actors, the Commission intends to provide, as a matter of urgency, guidance as to the objective and measurable criteria for the compatibility of such multilateral inter-bank remuneration, which could include multilateral interchange fees, with EC competition law and the Community regulatory framework.
V okviru trajnega dialoga s sektorjem bančništva in na podlagi prispevkov ustreznih udeležencev na trgu namerava Komisija nujno zagotoviti smernice glede ciljev in izmerljivih meril združljivosti večstranskih medbančnih nadomestil (ki bi lahko vključevala tudi druge večstranske pristojbine za izmenjavo) s pravom ES o konkurenci in regulativnim okvirom Skupnosti.
For a direct debit transaction to be executed, the payer’s account must be reachable.
Za izvedbo transakcije z neposredno bremenitvijo mora biti račun plačnika dosegljiv.
To encourage the successful take-up of SEPA direct debits, it is therefore vital that all payer accounts be reachable where this is already the case for existing national direct debits denominated in euro, otherwise the payer and the payee will be unable to enjoy the benefits of cross-border direct debit collection.
Za spodbujanje uspešnega prevzema neposrednih bremenitev SEPA je zato bistvenega pomena, da so računi vseh plačnikov dosegljivi, kadar to že velja za obstoječe nacionalne neposredne bremenitve v eurih, saj plačnik in prejemnik plačila v nasprotnem primeru ne bosta mogla izkoristiti prednosti zbiranja čezmejnih neposrednih bremenitev.
If the payer account is not reachable under the SEPA direct debit scheme, the payer (debtor) and the payee (creditor) will be unable to benefit from the new direct debit payment opportunities available.
Če račun plačnika v okviru sistema neposrednih bremenitev SEPA ni dosegljiv, plačnik (dolžnik) in prejemnik plačila (upnik) ne bosta mogla izkoristiti priložnosti, ki jih nudi nov sistem neposrednih bremenitev.
This is especially important where the payee initiates direct debit collections in a batch file, for example on a monthly or quarterly basis for electricity or other utility bills, and not as a separate collection for each customer.
To je še posebej pomembno, kadar plačnik odredi zbiranje neposrednih bremenitev v paketni datoteki, na primer mesečno ali četrtletno zbiranje računov za elektriko ali druge javne storitve, in ne v obliki ločene zbirke za posamezno stranko.
If creditors are not able to reach all their debtors in a single operation, additional manual intervention will be needed, which is likely to increase costs.
Če upniki ne bodo mogli doseči vseh svojih dolžnikov z enim samim postopkom, bodo potrebni dodatni ročni posegi, ki bodo najverjetneje povečali stroške.
Hence, in the absence of mandatory reachability for the payment service provider of the payer, the efficiency of direct debit collections will not be fully enhanced and competition on a pan-European level will remain restricted.
Ker torej brez obvezne dosegljivosti za ponudnika plačilnih storitev plačnika, učinkovitost zbirk neposrednih bremenitev ne bo povsem izboljšana, konkurenca na vseevropski ravni pa bo ostala omejena.
Given the specific features of direct debits between businesses, however, this should apply only to the SEPA core direct debit scheme and not to the SEPA business-to-business direct debit scheme.
Vendar pa bi se morala glede na posebne značilnosti neposrednih bremenitev med podjetji ta določba uporabljati le za osnovni sistem neposrednih bremenitev SEPA, ne pa za sistem neposrednih bremenitev SEPA med podjetji.
The reachability obligation encompasses the right of a payment service provider not to execute a direct debit transaction in accordance with the direct debit scheme regarding, for example, the rejection, refusal or return of transactions.
Obveza o dosegljivosti zajema pravico ponudnika plačilnih storitev, da ne izvede plačila z neposredno bremenitvijo v skladu s sistemom neposrednih bremenitev v zvezi z, na primer, zavrnitvijo, odklonitvijo ali vračilom plačila.
The reachability obligation should, furthermore, not apply to payment service providers which have been authorised to provide and execute direct debit transactions but which do not engage commercially in such activities.
Obveza o dosegljivosti se ne bi smela uporabljati za ponudnike plačilnih storitev, ki so pooblaščeni za zagotavljanje in izvajanje transakcij z neposredno bremenitvijo, a se komercialno ne ukvarjajo s temi dejavnostmi.
Given the technical requirements needed for reachability, it is, furthermore, important for a payment service provider of a payer to have sufficient time to prepare for compliance with the reachability obligation.
Glede na tehnične zahteve, potrebne zaradi dosegljivosti, je prav tako pomembno, da ima ponudnik plačilnih storitev plačnika na voljo dovolj časa za pripravo na izpolnitev obveze o dosegljivosti.
Payment service providers should therefore enjoy a transitional period of a maximum of 1 year following the date of application of this Regulation in order to comply with that obligation.
Ponudnikom plačilnih storitev bi bilo treba zato za izpolnitev navedene obveze omogočiti prehodno obdobje, ki lahko traja največ eno leto od datuma začetka uporabe te uredbe.
Since payment service providers from Member States outside the euro area would need to undertake more preparatory work, such payment service providers should be allowed to defer the application of the reachability obligation for a maximum of 5 years following the date of application of this Regulation.
Ker bi morali ponudniki plačilnih storitev iz držav članic, ki niso del euroobmočja, opraviti več pripravljalnih dejavnosti, bi bilo treba tem ponudnikom plačilnih storitev odobriti odlog uporabe obveze o dosegljivosti za največ pet let od datuma začetka uporabe te uredbe.
Payment service providers located in a Member State that has introduced the euro as its currency within 4 years of the date of application of this Regulation should, however, be required to comply with the reachability obligation within 1 year of the date on which the Member State concerned joined the euro area.
Od ponudnikov plačilnih storitev, ki so v državi članici, ki je uvedla euro kot svojo valuto v štirih letih po datumu začetka uporabljanja te uredbe, pa bi se moralo zahtevati, da izpolnijo obvezo o dosegljivosti v enem letu od datuma pridružitve te države članice euroobmočju.
Competent authorities should be empowered to fulfil their monitoring duties efficiently and to take all necessary measures to ensure that payment service providers comply with this Regulation.
Navedeni pristojni organi bi morali imeti ustrezna pooblastila za učinkovito izpolnjevanje svojih nalog v zvezi s spremljanjem ter za sprejetje vseh potrebnih ukrepov, s katerimi bi zagotovili, da ponudniki plačilnih storitev izpolnjujejo določbe te uredbe.
In order to ensure that redress is possible where this Regulation has been incorrectly applied, Member States should establish adequate and effective complaint and redress procedures for settling any dispute between the payment service user and the payment service provider.
Da bi se zagotovila možnost uporabe pravnih sredstev v primerih nepravilne uporabe te uredbe, bi morale države članice določiti ustrezne in učinkovite pritožbene postopke in druga pravna sredstva za reševanje sporov med uporabnikom in ponudnikom plačilnih storitev.
It is also important that competent authorities and out-of-court complaint and redress bodies are appointed either by designating existing bodies, where appropriate, or by establishing new bodies.
Pomembno je tudi, da se, kadar je to primerno, določijo obstoječi ali imenujejo novi pristojni pritožbeni organi in organi za izvensodno reševanje sporov.
It is essential to ensure that the competent authorities and out-of-court complaint and redress bodies, within the Community, actively cooperate for the smooth and timely resolution of cross-border disputes under this Regulation.
Za nemoteno in pravočasno reševanje čezmejnih sporov v zvezi s to uredbo je ključno v Skupnosti zagotoviti dejavno sodelovanje pristojnih pritožbenih organov in organov za izvensodno reševanje sporov.
It should be possible for such cooperation to take the form of an exchange of information regarding the law or legal practice in their jurisdictions, or a transfer or takeover of complaint and redress procedures if appropriate.
Takšno sodelovanje bi moralo biti mogoče izvajati v obliki izmenjave informacij o zakonodaji ali pravni praksi iz njihove sodne pristojnosti ali, če je ustrezno, prenosa ali prevzetja pritožbenih postopkov ali postopkov za reševanje sporov.
It is necessary that Member States lay down effective, proportionate and dissuasive penalties in national law for failure to comply with this Regulation.
Države članice bi morale v nacionalni zakonodaji določiti učinkovite, sorazmerne in odvračilne kazni za neupoštevanje določb te uredbe.
Extending the application of this Regulation to currencies other than the euro would have clear benefits, especially in terms of the number of payments covered.
Razširitev uporabe te uredbe z eura še na druge valute bi imela očitne koristi, zlasti glede števila zajetih plačil.
In order to allow Member States which do not have the euro as their currency to extend the application of this Regulation to cross-border payments denominated in their national currency, a notification procedure should therefore be established.
Da se državam članicam, ki nimajo eura za svojo valuto, omogoči razširitev uporabe te uredbe na čezmejna plačila v njihovih nacionalnih valutah, bi bilo treba vzpostaviti postopek priglasitve.
It should, however, be ensured that Member States that have already complied with that notification procedure do not have to submit a new notification.
Vendar bi bilo treba zagotoviti, da državam članicam, ki že uporabljajo navedeni postopek priglasitve, ne bi bilo treba predložiti nove priglasitve.
It is desirable that the Commission present a report on the appropriateness of removing settlement-based national reporting obligations.
Zaželeno je, da Komisija predloži poročilo o ustreznosti odprave nacionalnih obveznosti poročanja na temelju poravnav.
It is also appropriate that the Commission present a report on the application of this Regulation, assessing, in particular, the use of the IBAN and the BIC for the facilitation of payments within the Community as well as market developments in relation to the application of the provisions on direct debit transactions.
Primerno je tudi, da Komisija predloži poročilo o uporabi te uredbe, v katerem oceni predvsem uporabo IBAN in BIC za olajšanje plačil znotraj Skupnosti in razvoj trga glede uporabe določb o neposrednih bremenitvah.
In the context of the development of SEPA, it is also desirable that such a report assess the appropriateness of the ceiling of EUR 50000, which currently applies to the principle of equality of charges.
V okviru razvoja SEPA je zaželeno tudi, da poročilo preuči ustreznost zgornje meje v višini 50000 EUR, ki se trenutno uporablja za načelo enakih stroškov.
For reasons of legal certainty and clarity, Regulation (EC) No 2560/2001 should be repealed.
Zaradi pravne varnosti in jasnosti bi bilo treba Uredbo (ES) št. 2560/2001 razveljaviti.
Since the objectives of this Regulation cannot be sufficiently achieved by the Member States and can therefore, by reason of the scale or effects of the action, be better achieved at Community level, the Community may adopt measures in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty.
Ker ciljev te uredbe države članice ne morejo same zadovoljivo doseči in se zaradi obsega in učinkov ukrepa lahko bolje dosežejo na ravni Skupnosti, lahko Skupnost sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe.
In accordance with the principle of proportionality, as set out in that Article, this Regulation does not go beyond what is necessary in order to achieve those objectives,
V skladu z načelom sorazmernosti iz navedenega člena ta uredba ne presega okvirov, potrebnih za dosego navedenih ciljev –
This Regulation lays down rules on cross-border payments within the Community, ensuring that charges for cross-border payments within the Community are the same as those for payments in the same currency within a Member State.
Ta uredba določa pravila o čezmejnih plačilih v Skupnosti in zagotavlja, da so nadomestila za čezmejna plačila v Skupnosti enaka kot za plačila v isti valuti v državi članici.
This Regulation shall apply to cross-border payments, in accordance with the provisions of Directive 2007/64/EC, which are denominated in euro or in the national currencies of the Member States which have notified their decision to extend the application of this Regulation to their national currency, in accordance with Article 14.
Ta uredba se v skladu z določbami Direktive 2007/64/ES uporablja za čezmejna plačila, izražena v eurih ali nacionalnih valutah držav članic, ki so priglasile namero o razširitvi uporabe te uredbe na svojo nacionalno valuto v skladu s členom 14.
This Regulation shall not apply to payments made by payment service providers for their own account or on behalf of other payment service providers.
Ta uredba se ne uporablja za plačila, ki jih izvršijo ponudniki plačilnih storitev za svoj račun ali v imenu drugih ponudnikov plačilnih storitev.
Articles 6, 7 and 8 lay down rules regarding direct debit transactions denominated in euro between the payment service providers of the payee and of the payer.
V členih 6, 7 in 8 so določena pravila za transakcije z neposredno bremenitvijo, izražene v eurih, med ponudniki plačilnih storitev plačnika in prejemnika plačila.
‘cross-border payment’ means an electronically processed payment transaction initiated by a payer or by or through a payee where the payer’s payment service provider and the payee’s payment service provider are located in different Member States;
„čezmejno plačilo“ pomeni elektronsko plačilno transakcijo, ki jo odredi plačnik ali prejemnik plačila, pri čemer se ponudnik plačilnih storitev plačnika in ponudnik plačilnih storitev prejemnika plačila nahajata v različnih državah članicah;
‘national payment’ means an electronically processed payment transaction initiated by a payer, or by or through a payee, where the payer’s payment service provider and the payee’s payment service provider are located in the same Member State;
„nacionalno plačilo“ pomeni elektronsko plačilno transakcijo, ki jo odredi plačnik ali prejemnik plačila oziroma se odredi prek njega, pri čemer se ponudnik plačilnih storitev plačnika in ponudnik plačilnih storitev prejemnika plačila nahajata v isti državi članici;
‘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 predvideni prejemnik sredstev, ki so bila predmet plačilne transakcije;
‘payment service provider’ means any of the categories of legal person referred to in Article 1(1) of Directive 2007/64/EC and the natural or legal persons referred to in Article 26 of that Directive, but excludes those institutions listed in Article 2 of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions [6] benefiting from a Member State waiver exercised under Article 2(3) of Directive 2007/64/EC;
„ponudnik plačilnih storitev“ pomeni katero koli od kategorij pravnih oseb iz člena 1(1) Direktive 2007/64/ES ter fizične ali pravne osebe iz člena 26 navedene direktive, ne vključuje pa institucij iz člena 2 Direktive 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij [6], ki jim je bila odobrena opustitev za države članice, ki se izvaja v skladu s členom 2(3) Direktive 2007/64/ES;
‘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“ pomeni fizično ali pravno osebo, ki uporablja plačilne storitve kot plačnik ali prejemnik plačila ali oboje;
‘payment transaction’ means an act, initiated by a payer or by or through a 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 oziroma se ga odredi prek njega, neodvisno od osnovnih obveznosti med plačnikom in prejemnikom plačila;
‘payment order’ means an instruction by a payer or payee to his payment service provider requesting the execution of a payment transaction;
„plačilni nalog“ pomeni navodilo plačnika ali prejemnika plačila njegovemu ponudniku plačilnih storitev, s katerim zahteva izvedbo plačilne transakcije;
‘charge’ means a charge levied by a payment service provider on the payment service user and directly or indirectly linked to a payment transaction;
„nadomestilo“ pomeni vsako nadomestilo, ki ga ponudnik plačilne storitve obračuna uporabniku plačilne storitve in je neposredno ali posredno povezano s plačilno transakcijo;
‘funds’ means banknotes and coins, scriptural money and electronic money as defined in Article 1(3)(b) of Directive 2000/46/EC of the European Parliament and of the Council of 18 September 2000 on the taking up, pursuit of and prudential supervision of the business of electronic money institutions [7];
„sredstva“ pomenijo bankovce in kovance, knjižni denar in elektronski denar, kakor je opredeljen v členu 1(3)(b) Direktive 2000/46/ES Evropskega parlamenta in Sveta z dne 18. septembra 2000 o začetku opravljanja in opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja [7];
‘consumer’ means a natural person acting for purposes other than his or her trade, business or profession;
„potrošnik“ pomeni fizično osebo, ki ne deluje v okviru svoje trgovske, poslovne, obrtne ali poklicne dejavnosti;
‘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 Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises [8];
„mikro-podjetje“ pomeni podjetje, ki je ob sklenitvi pogodbe o plačilni storitvi podjetje, kot je opredeljeno v členih 1 in 2(1) ter (3) Priloge k Priporočilu Komisije 2003/361/ES z dne 6. maja 2003 glede opredelitev mikro, malih in srednje velikih podjetij [8];
‘interchange fee’ means a fee paid between the payment service providers of the payer and of the payee for each direct debit transaction;
„pristojbina za izmenjavo“ pomeni pristojbino, plačano za vsako transakcijo z neposredno bremenitvijo med ponudnikom plačilnih storitev plačnika in ponudnikom plačilnih storitev prejemnika plačila;
‘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;
„neposredna bremenitev“ pomeni plačilno storitev za bremenitev plačilnega računa plačnika, kadar plačilno transakcijo odredi prejemnik plačila na podlagi plačnikovega soglasja, ki ga plačnik da prejemniku plačila, ponudniku plačilnih storitev prejemnika plačila ali svojemu ponudniku plačilnih storitev;
‘direct debit scheme’ means a common set of rules, practices and standards agreed between payment service providers for the execution of direct debit transactions.
„sistem neposredne bremenitve“ pomeni skupni niz pravil, praks in standardov za izvajanje transakcij z neposredno bremenitvijo, o katerih so se sporazumeli ponudniki plačilnih storitev.
Charges for cross-border payments and corresponding national payments
Nadomestila za čezmejna plačilain ustrezna nacionalna plačila
Charges levied by a payment service provider on a payment service user in respect of cross-border payments of up to EUR 50000 shall be the same as the charges levied by that payment service provider on payment service users for corresponding national payments of the same value and in the same currency.
Nadomestila, ki jih uporabniku plačilnih storitev obračuna ponudnik plačilnih storitev za čezmejna plačila do zneska 50000 EUR, so enaka kot nadomestila, ki jih isti ponudnik plačilnih storitev obračuna uporabnikom plačilnih storitev za ustrezna nacionalna plačila enake vrednosti in v isti valuti.
When assessing, for the purpose of complying with paragraph 1, the level of charges for a cross-border payment, a payment service provider shall identify the corresponding national payment.
Ko ponudnik plačilne storitve zaradi zahteve iz odstavka 1 določa višino nadomestila za čezmejno plačilo, določi ustrezno nacionalno plačilo.
The competent authorities shall issue guidelines to identify corresponding national payments where they consider it necessary to do so.
Pristojni organi izdajo smernice glede določitve ustreznih plačil, kadar menijo, da je to potrebno.
The competent authorities shall actively cooperate within the Payments Committee established in accordance with Article 85(1) of Directive 2007/64/EC to ensure the consistency of guidelines for corresponding national payments.
Pristojni organi v Odboru za plačila, vzpostavljenem v skladu s členom 85(1) Direktive 2007/64/ES, dejavno sodelujejo, da zagotovijo skladnost smernic za ustrezna nacionalna plačila.
Where a Member State has notified its decision to extend the application of this Regulation to its national currency in accordance with Article 14, a national payment that is denominated in the currency of that Member State may be considered as corresponding to a cross-border payment that is denominated in euro.
Če je država članica uradno priglasila svojo odločitev o razširitvi področja uporabe te uredbe na svojo nacionalno valuto v skladu s členom 14, se lahko nacionalno plačilo v valuti te države članice šteje za enakovredno čezmejnemu plačilu, izraženemu v eurih.
This Regulation shall not apply to currency conversion charges.
Ta uredba se ne uporablja za nadomestila za menjavo valut.
Measures for facilitating the automation of payments
Ukrepi za poenostavitev avtomatizacije plačil
A payment service provider shall, where applicable, communicate to the payment service user the payment service user’s IBAN and the payment service provider’s BIC.
Ponudnik plačilnih storitev uporabniku plačilnih storitev, kadar je to ustrezno, sporoči IBAN uporabnika plačilnih storitev in BIC ponudnika plačilnih storitev.