natgillin/translations-raw huggingface dataset:
R-transaction fees in the internal market should converge over time so that they do not vary across Member States to an extent to threaten the level playing field.
Pristojbine za R-transakcije na notranjem trgu bi se morale v času zbliževati, tako da se ne bi razlikovale med državami članicami do mere, ki ne omogoča več enakih konkurenčnih pogojev.
In some Member States, there are certain legacy payment services which are credit transfers or direct debits but which have very specific functionalities, often due to historical or legal reasons.
V nekaterih državah članicah že obstajajo nekatere plačilne storitve, ki so v osnovi kreditni prenosi oziroma direktne bremenitve, ki pa imajo zelo specifične funkcionalnosti, pogosto iz zgodovinskih ali pravnih razlogov.
The transaction volume of such services is usually marginal.
Transakcijski obseg takih storitev je običajno majhen.
Such services could therefore be classified as niche products.
Takšne storitve bi zato lahko razvrstili kot produkte tržnih niš.
A transitional period for such niche products, sufficiently long to minimise the impact of migration on PSUs, should help both sides of the market to focus first on the migration of the bulk of credit transfers and direct debits, thereby allowing the majority of the potential benefits of an integrated payments market in the Union to be reaped earlier.
Prehodno obdobje za te produkte tržnih niš, dovolj dolgo za minimaliziranje učinkov prehoda na SEPA na uporabnike plačilnih storitev, bi moralo pomagati obema stranema trga, da se najprej osredotočita na prehod večine kreditnih prenosov in direktnih bremenitev, in s tem omogočiti čimprejšnje doseganje večine potencialnih koristi integriranega plačilnega trga v Uniji.
In some Member States, specific direct debit instruments exist which seem very similar to payment card transactions in that the payer uses a card at the point of sale to initiate the payment transaction but the underlying payment transaction is a direct debit.
V nekaterih državah članicah obstajajo posebni instrumenti direktne bremenitve, ki se zdijo zelo podobni transakcijam s plačilno kartico, saj plačnik na prodajnem mestu uporabi kartico za začetek izvedbe plačilne transakcije; vendar pa je osnovna plačilna transakcija direktna bremenitev.
In such payment transactions the card is used only for a read-out in order to facilitate the electronic generation of the mandate, which has to be signed by the payer at the point of sale.
V takšnih plačilnih transakcijah se kartica uporabi samo za branje, da se olajša elektronska priprava pooblastila, ki ga mora podpisati plačnik na prodajnem mestu.
Although such payment services cannot be classified as a niche product, there is a need for a transitional period in relation to such payment services because of the substantial transaction volume involved.
Čeprav takšnih plačilnih storitev ni mogoče opredeliti kot tržne niše, je zanje potrebno prehodno obdobje, saj gre za precej obsežne transakcije.
In order to enable the stakeholders to implement an adequate SEPA substitute, that transitional period should be of sufficient length.
Da bi zainteresiranim stranem omogočili izvajanje ustreznega nadomestnega sistema SEPA, bi moralo biti prehodno obdobje zadosti dolgo.
For the proper functioning of the internal market for payments it is essential to ensure that payers such as consumers, businesses or public authorities are able to send credit transfers to payment accounts held by the payees with PSPs which are located in other Member States and which are reachable in accordance with this Regulation.
Za delovanje notranjega plačilnega trga v praksi je treba nujno zagotoviti, da bodo plačniki, kot so potrošniki, podjetja ali javni organi, lahko izvršili kreditni prenos na plačilni račun prejemnika preko ponudnikov plačilnih storitev, ki se nahajajo v drugih državah članicah in ki bodo dostopni v skladu s to uredbo.
In order to secure a smooth transition to SEPA, a valid payee authorisation to collect recurring direct debits in a legacy scheme should remain valid after the migration deadline established in this Regulation.
Da bi zagotovili nemoten prehod na SEPA, bi moralo veljavno dovoljenje prejemnikov plačila za unovčevanje ponavljajočih direktnih bremenitev v obstoječem sistemu ostati veljavno po roku za prenos, določenem v tej uredbi.
Such an authorisation should be considered as representing consent to the payer’s PSP to execute the recurring direct debits collected by the payee in compliance with this Regulation, in the absence of national law relating to the continued validity of the mandate or customer agreements changing direct debit mandates to allow their continuation.
Takšno dovoljenje bi bilo treba obravnavati, kot da pomeni soglasje ponudniku plačilnih storitev, da izvrši ponavljajoče direktne bremenitve, ki jih unovči prejemnik plačila v skladu s to uredbo, kadar ni nacionalne zakonodaje, ki bi zajemala trajno veljavnost pooblastila ali sporazumov med strankami, ki spreminjajo pooblastila za direktne bremenitve, da bi zagotovili njihovo nadaljevanje.
However, consumer rights must be protected and where existing direct debit mandates have unconditional refund rights, such rights should be maintained.
Pravice potrošnikov je treba zaščititi in kjer imajo obstoječa pooblastila za direktno bremenitev brezpogojno pravico do povračila, bi bilo treba takšne pravice ohraniti.
To foster compliance with this Regulation the competent authorities of different Member States should cooperate with each other and, where appropriate, with the European Central Bank (ECB) and the national central banks of the Member States and other relevant competent authorities, such as the European Supervisory Authority (European Banking Authority) established by Regulation (EU) No 1093/2010 of the European Parliament and of the Council [8] (EBA), designated under Union or national legislation applicable to PSPs.
Za spodbujanje skladnosti s to uredbo pristojni organi različnih držav članic med seboj sodelujejo, po potrebi tudi z Evropsko centralno banko – ECB ter nacionalnimi centralnimi bankami držav članic in drugimi pomembnimi pristojnimi organi, kot je Evropski nadzorni organ (Evropski bančni organ – EBA), ustanovljen z Uredbo (EU) št. 1093/2010 Evropskega parlamenta in Sveta [8] v skladu z zakonodajo Unije ali nacionalno zakonodajo, ki velja za ponudnike plačilnih storitev.
Member States should lay down rules on the penalties applicable to infringements of this Regulation and should ensure that those penalties are effective, proportionate and dissuasive and that they are applied.
Države članice bi morale določiti pravila o kaznih, ki veljajo za kršitve te uredbe ter zagotoviti, da so te kazni učinkovite, sorazmerne in odvračilne ter da se izvajajo.
Those penalties should not be applied to consumers.
Te kazni se ne bi smele uporabljati za potrošnike.
In order to ensure that redress is possible where this Regulation has been incorrectly applied, or where disputes occur between PSUs and PSPs concerning rights and obligations arising under this Regulation, Member States should establish adequate and effective out-of-court complaint and redress procedures.
Da bi se zagotovila možnost povrnitve škode v primerih nepravilne uporabe te uredbe ali kadar pride med uporabniki in ponudniki plačilnih storitev do sporov v zvezi s pravicami in obveznostmi v skladu s to uredbo, bi morale države članice določiti ustrezne in učinkovite izvensodne pritožbene postopke in postopke za povrnitev škode.
Member States should be able to decide that those procedures apply only to consumers or only to consumers and microenterprises.
Države članice bi lahko določile, da se ti postopki uporabljajo le za potrošnike ali le za potrošnike in mikropodjetja.
The Commission should submit a report to the European Parliament, the Council, the European Economic and Social Committee, EBA and the ECB on the application of this Regulation.
Komisija bi morala predložiti poročilo Evropskemu parlamentu, Svetu, Evropskemu ekonomsko-socialnemu odboru, EBA in ECB o izvajanju te uredbe.
The report should be accompanied, where necessary, by a proposal for the amendment of this Regulation.
Poročilu bi bilo treba po potrebi priložiti predlog za spremembo te uredbe.
In order to ensure that the technical requirements for credit transfers and direct debits in euro remain up to date, the power to adopt acts in accordance with Article 290 TFEU should be delegated to the Commission in respect of those technical requirements.
Da bi se zagotovila ažurnost tehničnih zahtev za kreditne prenose in direktne bremenitve v eurih, bi bilo treba na Komisijo prenesti pooblastila, da v skladu s členom 290 PDEU sprejme akte glede teh tehničnih zahtev.
In the Declaration (No 39) on Article 290 TFEU, annexed to the Final Act of the Intergovernmental Conference which adopted the Treaty of Lisbon, the Conference took note of the Commission’s intention to continue to consult experts appointed by the Member States in the preparation of draft delegated acts in the financial services area, in accordance with its established practice.
V izjavi (št. 39) o členu 290 PDEU, ki je priložena Sklepni listini medvladne konference, ki je sprejela Lizbonsko pogodbo, se je konferenca seznanila z namero Komisije, da se bo pri pripravi osnutkov delegiranih aktov na področju finančnih storitev v skladu z ustaljeno prakso še naprej posvetovala s strokovnjaki, ki jih bodo imenovale države članice.
It is of particular importance that the Commission carry out appropriate and transparent consultation during its preparatory work, including with the ECB and all relevant stakeholders.
Zlasti je pomembno, da Komisija pri svojem pripravljalnem delu opravi ustrezna in pregledna posvetovanja, vključno z ECB in vsemi zainteresiranimi stranmi.
The Commission, when preparing and drawing up delegated acts, should ensure a simultaneous, timely and appropriate transmission of relevant documents to the European Parliament and the Council.
Komisija bi morala pri pripravi in oblikovanju delegiranih aktov zagotoviti, da so ustrezni dokumenti predloženi Evropskemu parlamentu in Svetu istočasno, pravočasno ter na ustrezen način.
Since PSPs located in Member States whose currency is not the euro would need to undertake special preparatory work outside the payments market for their national currency, such PSPs should be allowed to defer the application of the technical requirements for a certain period.
Ker bi morali ponudniki plačilnih storitev, ki se nahajajo v državah članicah, katerih valuta ni euro, opraviti več posebnega pripravljalnega dela izven plačilnega trga za njihove nacionalne valute, bi bilo treba tem ponudnikom plačilnih storitev odobriti odlog uporabe teh tehničnih zahtev za določen čas.
Member States whose currency is not the euro should, however, comply with the technical requirements to create a true European payments area, which will strengthen the internal market.
Države članice, katerih valuta ni euro, bi kljub temu morale izpolniti tehnične zahteve za oblikovanje resničnega evropskega plačilnega območja, ki bo okrepilo notranji trg.
In order to ensure broad public support for SEPA, a high level of protection for payers is essential, particularly for direct debit transactions.
Da bi zagotovili široko podporo javnosti za SEPA, je bistvena visoka raven varstva za plačnike, zlasti za transakcije z direktnimi bremenitvami.
The current and only pan-European direct debit scheme for consumers developed by the EPC provides for a ‘no-questions-asked’, unconditional refund right for authorised payments during a period of 8 weeks from the date on which the funds were debited, while that refund right is subject to several conditions under Articles 62 and 63 of Directive 2007/64/EC.
Sedanja in edina vseevropska shema za direktne bremenitve za potrošnike, ki jo je razvil Evropski svet za plačila, zagotavlja brezpogojno pravico do povračila za avtorizirana plačila v obdobju osmih tednov od datuma, na katerega so bila sredstva odtegnjena, medtem ko za to pravico do povračila velja več pogojev iz člena 62 in 63 Direktive 2007/64/ES.
In the light of the prevailing market situation and of the necessity to ensure a high level of consumer protection, the impact of those provisions should be assessed in the report that, in accordance with Article 87 of Directive 2007/64/EC, the Commission shall, no later than 1 November 2012, present to the European Parliament, the Council, the European Economic and Social Committee and the ECB accompanied, where appropriate, by a proposal for its revision.
Z vidika prevladujočih razmer na trgu in potrebe po zagotovitvi visoke ravni varstva potrošnikov je treba vpliv teh določb oceniti v poročilu, ki ga Komisija v skladu s členom 87 Direktive 2007/64/ES najpozneje do 1. novembra 2012 predloži Evropskemu parlamentu, Svetu, Evropskemu ekonomsko-socialnemu odboru in ECB in po potrebi priloži predlog za njegovo revizijo.
Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data [9] governs the processing of personal data carried out pursuant to this Regulation.
Direktiva Evropskega parlamenta in Sveta 95/46/ES z dne 24. oktobra 1995 o varstvu posameznikov pri obdelavi osebnih podatkov in o prostem pretoku takih podatkov [9] ureja obdelavo osebnih podatkov v skladu s to uredbo.
Migration to SEPA and the introduction of common standards and rules for payments should be based on compliance with national law on the protection of sensitive personal data in Member States and should safeguard the interests of Union citizens.
Prehod na SEPA ter uvedba skupnih standardov in pravil za plačila bi morala temeljiti na spoštovanju nacionalnega prava o varstvu občutljivih osebnih podatkov v državah članicah ter varovati interese državljanov Unije.
Financial messages relating to payments and transfers in the SEPA are outside the scope of the Agreement between the European Union and the United States of America of 28 June 2010 on the processing and transfer of Financial Messaging Data from the European Union to the United States for the purposes of the Terrorist Finance Tracking Program [10].
Finančna sporočila v zvezi s plačili in prenosi znotraj SEPA so zunaj področja uporabe Sporazuma med Evropsko unijo in Združenimi državami Amerike z dne 28. junija 2010 o obdelavi in posredovanju podatkov o sporočilih glede finančnih plačil iz Evropske unije Združenim državam Amerike za namene programa za sledenje financiranja terorističnih dejavnosti [10].
Since the objective of this Regulation, namely establishing technical and business requirements for credit transfers and direct debits in euro, cannot be sufficiently achieved by the Member States and can therefore, by reason of its scale or effects, be better achieved at Union level, the Union may adopt measures in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty on European Union.
Ker cilja te uredbe, zlasti uvedbe tehničnih in poslovnih zahtev za kreditne prenose in direktne bremenitve v eurih, države članice ne morejo zadovoljivo doseči in ker se jih zaradi svojega obsega ali učinkov lažje doseže na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe o Evropski Uniji.
Pursuant to Article 5(1) of Regulation (EC) No 924/2009, Member States are to remove settlement-based national reporting obligations on PSPs for balance of payments statistics relating to payment transactions of their customers of up to EUR 50000. The collection of balance-of-payments statistics based on settlements emerged after the end of foreign exchange controls and until now, constitutes a major data source alongside others such as direct surveys, contributing to good quality statistics.
V skladu s členom 5(1) Uredbe (ES) št. 924/2009 države članice odpravijo nacionalne obveznosti v zvezi s poročanjem o plačilni bilanci na podlagi poravnav, ki veljajo za ponudnike plačilnih storitev za plačilno bilančne statistike v zvezi s plačilnimi transakcijami njihovih strank za plačila do 50000 EUR. Zbiranje statistike o plačilni bilanci na podlagi poravnav je nastalo po odpravi deviznih kontrol in do sedaj predstavlja najpomembnejši vir podatkov poleg drugih, kot so neposredne ankete, ki prispevajo k dobri kakovosti statistike.
From the beginning of the 1990s some Member States opted to rely more on information reported directly by companies and households than on data reported through banks on behalf of their customers.
Od začetka devetdesetih let so nekatere države članice želele, da statistike temeljijo bolj na informacijah, ki jih neposredno posredujejo podjetja in gospodinjstva, kot pa na podatkih, ki jih posredujejo banke v imenu svojih strank.
Although settlement-based reporting represents a solution that, in terms of society as a whole, reduces the cost of balance-of-payments compilation while assuring good-quality statistics, in strict terms of cross-border payments the maintenance of such reporting in some Member States might diminish efficiency and increases costs.
Čeprav poročanje na podlagi poravnav predstavlja rešitev, ki z vidika celotne družbe zmanjšuje stroške zbiranja plačilnih bilanc ter zagotavlja kakovostno statistiko, pa lahko z ožjega vidika čezmejnih plačil vzdrževanje takšnega poročanja v nekaterih državah članicah zmanjša učinkovitost in poveča stroške.
Since one aim of SEPA is to reduce the costs of cross-border payments, settlement-based balance-of-payments reporting should be abolished completely.
Ker je eden izmed ciljev SEPA zmanjšati stroške čezmejnih plačil, bi bilo treba v celoti odpraviti poročanje za plačilne bilance na podlagi poravnav.
In order to enhance legal certainty it is appropriate to align the deadlines for interchange fees set out in Article 7 of Regulation (EC) No 924/2009 with the provisions laid down in this Regulation.
Za okrepitev pravne varnosti je primerno uskladiti časovne roke za pristojbine za izmenjavo, določene v členu 7 Uredbe (ES) št. 924/2009, z določbami iz te uredbe.
Regulation (EC) No 924/2009 should therefore be amended accordingly,
Uredbo (ES) št. 924/2009 bi bilo zato treba ustrezno spremeniti –
This Regulation lays down rules for credit transfer and direct debit transactions denominated in euro within the Union where both the payer’s payment service provider and the payee’s payment service provider are located in the Union, or where the sole payment service provider (PSP) involved in the payment transaction is located in the Union.
Ta uredba določa pravila za transakcije s kreditnimi prenosi in direktnimi bremenitvami v eurih znotraj Unije, pri katerih se ponudnik plačilnih storitev plačnika in ponudnik plačilnih storitev prejemnika plačila nahajata znotraj Unije oziroma pri katerih se edini ponudnik plačilnih storitev v plačilni transakciji nahaja znotraj Unije.
This Regulation does not apply to the following:
Ta uredba se ne uporablja za:
payment transactions carried out between and within PSPs, including their agents or branches, for their own account;
plačilne transakcije, izvršene med ponudniki plačilnih storitev in znotraj njih, vključno z njihovimi zastopniki ali podružnicami, za njihov lastni račun;
payment transactions processed and settled through large-value payment systems, excluding direct debit payment transactions which the payer has not explicitly requested be routed via a large-value payment system;
plačilne transakcije, ki se obdelujejo in poravnavajo s sistemi za plačila velikih vrednosti, ne pa plačilne transakcije z direktnimi bremenitvami, pri katerih plačnik ni izrecno zahteval, da se izvršijo preko sistema za plačila velikih vrednosti;
payment transactions through a payment card or similar device, including cash withdrawals, unless the payment card or similar device is used only to generate the information required to directly make a credit transfer or direct debit to and from a payment account identified by BBAN or IBAN;
plačilne transakcije, izvedene preko plačilnih kartic ali podobnih naprav, vključno z dvigi gotovine, razen če se plačilna kartica ali podobna naprava uporabi samo za generiranje informacij, ki so potrebne, da se neposredno izvrši kreditni prenos ali direktna bremenitev na ali s plačilnega računa, označenega BBAN ali IBAN;
payment transactions by means of any telecommunication, digital or IT device, if such payment transactions do not result in a credit transfer or direct debit to and from a payment account identified by BBAN or IBAN;
plačilne transakcije, izvedene z uporabo telekomunikacijskih, digitalnih ali IT naprav, katerih posledica ni kreditni prenos ali direktna bremenitev na ali s plačilnega računa, označenega z BBAN ali IBAN;
transactions of money remittance as defined in point (13) of Article 4 of Directive 2007/64/EC;
denarna nakazila, kot je določeno v členu 4(13) Direktive 2007/64/ES;
payment transactions transferring electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions [11], unless such transactions result in a credit transfer or direct debit to and from a payment account identified by BBAN or IBAN.
plačilne transakcije, pri katerih gre za prenos elektronskega denarja, kot določeno v točki 2 člena 2 Direktive 2009/110/ES Evropskega parlamenta in Sveta z dne 16. septembra 2009 o začetku opravljanja in opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja [11], razen če je posledica takšnih transakcij kreditni prenos ali direktna bremenitev na ali s plačilnega računa, označenega z BBAN ali IBAN.
Where payment schemes are based on payment transactions by credit transfers or direct debits but have additional optional features or services, this Regulation applies only to the underlying credit transfers or direct debits.
V primeru, ko plačilne sheme temeljijo na plačilnih transakcijah s kreditnimi prenosi ali direktnimi bremenitvami, imajo pa dodatne izbirne značilnosti ali storitve, se ta uredba uporablja samo za navedene temeljne kreditne prenose ali direktne bremenitve.
‘credit transfer’ means a national or cross-border payment service for crediting a payee’s payment account with a payment transaction or a series of payment transactions from a payer’s payment account by the PSP which holds the payer’s payment account, based on an instruction given by the payer;
„kreditni prenos“ pomeni nacionalno ali čezmejno plačilno storitev knjiženja v dobro plačilnega računa prejemnika plačila na podlagi plačilne transakcije ali serije plačilnih transakcij s plačilnega računa plačnika, ki jo opravi ponudnik plačilnih storitev, ki vodi plačilni račun plačnika na podlagi navodil, ki mu jih daje plačnik;
‘direct debit’ means a national or cross-border 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;
„direktna bremenitev“ pomeni nacionalno ali čezmejno plačilno storitev knjiženja v breme plačilnega računa plačnika, pri čemer je plačilna transakcija odrejena s strani prejemnika plačila na podlagi plačnikove privolitve;
‘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 payer’s payment account, a natural or legal person who makes a payment order to a payee’s payment account;
„plačnik“ pomeni fizično ali pravno osebo, ki ima odprt plačilni račun in privoli v izvedbo plačilnega naloga s tega plačilnega računa ali, če plačilni račun plačnika ne obstaja, fizično ali pravno osebo, ki izda plačilni nalog za prenos na plačilni račun prejemnika plačila;
‘payee’ means a natural or legal person who holds a payment account and who is the intended recipient of funds which have been the subject of a payment transaction;
„prejemnik plačila“ pomeni fizično ali pravno osebo, ki ima odprt plačilni račun in ki je predvideni prejemnik sredstev, ki so bila predmet plačilne transakcije;