natgillin/translations-raw huggingface dataset:
instruments which can be used only to acquire a very limited range of goods or services;
kadar naročnik predhodno financira svoj račun pri ponudniku elektronskih komunikacijskih omrežij ali storitev, skupna vrednost plačilnih transakcij ne presega 300 EUR na mesec;
instruments valid only in a single Member State provided at the request of an undertaking or a public sector entity and regulated by a national or regional public authority for specific social or tax purposes to acquire specific goods or services from suppliers having a commercial agreement with the issuer;
plačilne transakcije, izvršene med ponudniki plačilnih storitev, njihovimi zastopniki ali podružnicami za njihov račun;
payment transactions by a provider of electronic communications networks or services provided in addition to electronic communications services for a subscriber to the network or service:
plačilne transakcije in sorodne storitve med nadrejeno in podrejeno družbo ali med podrejenimi družbami iste nadrejene družbe, brez vmesnega posredovanja ponudnika plačilnih storitev, ki ni družba iz iste skupine;
for purchase of digital content and voice-based services, regardless of the device used for the purchase or consumption of the digital content and charged to the related bill; or
storitve dviga 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 opravljajo drugih plačilnih storitev iz Priloge I. Ne glede na to se stranki zagotovijo informacije o morebitnih provizijah za dviganje gotovine iz členov 45, 48, 49 in 59 pred dvigom gotovine, pa tudi na potrdilu o prejemu gotovine ob koncu transakcije po dvigu.
performed from or via an electronic device and charged to the related bill within the framework of a charitable activity or for the purchase of tickets;
Člen 4
provided that the value of any single payment transaction referred to in points (i) and (ii) does not exceed EUR 50 and:
Opredelitev pojmov
the cumulative value of payment transactions for an individual subscriber does not exceed EUR 300 per month, or
V tej direktivi se uporabljajo naslednje opredelitve pojmov:
where a subscriber pre-funds its account with the provider of the electronic communications network or service, the cumulative value of payment transactions does not exceed EUR 300 per month;
„matična država članica“ pomeni eno od naslednjega:
payment transactions carried out between payment service providers, their agents or branches for their own account;
državo članico, v kateri je registrirani sedež ponudnika plačilnih storitev, ali
payment transactions and related services 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;
če ponudnik plačilnih storitev v skladu z nacionalnim pravom nima registriranega sedeža, državo članico, kjer je njegov glavni sedež;
cash withdrawal services offered by means of ATM by providers, 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 those providers do not conduct other payment services as referred to in Annex I. Nevertheless the customer shall be provided with the information on any withdrawal charges referred to in Articles 45, 48, 49 and 59 before carrying out the withdrawal as well as on receipt of the cash at the end of the transaction after withdrawal.
„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;
Article 4
„plačilna storitev“ pomeni poslovno dejavnost, opredeljeno v Prilogi I;
Definitions
„plačilna institucija“ pomeni pravno osebo, ki je v skladu s členom 11 pridobila dovoljenje za opravljanje in izvrševanje plačilnih storitev po vsej Uniji;
For the purposes of this Directive, the following definitions apply:
„plačilna transakcija“ pomeni dejanje pologa, prenosa ali dviga sredstev, ki ga odredi plačnik ali v njegovem imenu prejemnik plačila neodvisno od osnovnih obveznosti med plačnikom in prejemnikom plačila;
‘home Member State’ means either of the following:
„plačilna transakcija na daljavo“ pomeni plačilno transakcijo, ki se odredi prek spleta ali naprave, ki se lahko uporablja za komuniciranje na daljavo;
the Member State in which the registered office of the payment service provider is situated; or
„plačilni sistem“ pomeni sistem za prenos sredstev s formalnimi in standardiziranimi dogovori ter skupnimi pravili za obdelavo, kliring in/ali poravnavo plačilnih transakcij;
if the payment service provider has, under its national law, no registered office, the Member State in which its head office is situated;
„plačnik“ pomeni fizično ali pravno osebo, ki je imetnik plačilnega računa in odobri plačilni nalog v breme navedenega plačilnega računa, ali, če plačilni račun ne obstaja, fizično ali pravno osebo, ki izda plačilni nalog;
‘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;
„prejemnik plačila“ pomeni fizično ali pravno osebo, ki je predvideni prejemnik sredstev, ki so predmet plačilne transakcije;
‘payment service’ means any business activity set out in Annex I;
„uporabnik plačilnih storitev“ pomeni fizično ali pravno osebo, ki uporablja plačilne storitve kot plačnik ali prejemnik plačila ali oboje;
‘payment institution’ means a legal person that has been granted authorisation in accordance with Article 11 to provide and execute payment services throughout the Union;
„ponudnik plačilnih storitev“ pomeni subjekt iz člena 1(1) fizično ali pravno ali osebo, ki ji je bila odobrena izjema na podlagi člena 32 ali 33;
‘payment transaction’ means an act, initiated by the payer or on his behalf or by the payee, of placing, transferring or withdrawing funds, irrespective of any underlying obligations between the payer and the payee;
„plačilni račun“ pomeni račun, voden v imenu enega ali več uporabnikov plačilnih storitev, ki se uporablja za izvrševanje plačilnih transakcij;
‘remote payment transaction’ means a payment transaction initiated via internet or through a device that can be used for distance communication;
„plačilni nalog“ pomeni navodilo plačnika ali prejemnika plačila svojemu ponudniku plačilnih storitev, s katerim zahteva izvršitev plačilne transakcije;
‘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 instrument“ pomeni osebno napravo oziroma naprave in/ali niz postopkov, ki so dogovorjeni med uporabnikom plačilnih storitev in ponudnikom plačilnih storitev, ki se uporablja za odreditev plačilnega naloga;
‘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;
„storitev odreditve plačil“ pomeni storitev za odreditev plačilnega naloga na zahtevo uporabnika plačilnih storitev v zvezi s plačilnim računom, odprtem pri drugem ponudniku plačilnih storitev;
‘payee’ means a natural or legal person who is the intended recipient of funds which have been the subject of a payment transaction;
„storitev zagotavljanja informacij o računih“ pomeni spletno storitev za zagotavljanje konsolidiranih informacij o enem ali več plačilnih računih, ki jih ima uporabnik plačilnih storitev pri drugem ponudniku plačilnih storitev ali pri več kot enem ponudniku plačilnih storitev;
‘payment service user’ means a natural or legal person making use of a payment service in the capacity of payer, payee, or both;
„ponudnik plačilnih storitev, ki vodi račun“ pomeni ponudnika plačilnih storitev, ki zagotavlja in vodi plačilni račun za plačnika;
‘payment service provider’ means a body referred to in Article 1(1) or a natural or legal person benefiting from an exemption pursuant to Article 32 or 33;
„ponudnik storitev odreditve plačil“ pomeni ponudnika plačilnih storitev, ki opravlja poslovne dejavnosti iz točke (7) Priloge I;
‘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;
„ponudnik storitev zagotavljanja informacij o računih“ pomeni ponudnika plačilnih storitev, ki opravlja poslovne dejavnosti iz točke (8) Priloge I;
‘payment order’ means an instruction by a payer or payee to its payment service provider requesting the execution of a payment transaction;
„potrošnik“ pomeni fizično osebo, ki pri pogodbah o plačilnih storitvah iz te direktive deluje zunaj področja svoje trgovske, poslovne ali poklicne dejavnosti;
‘payment instrument’ means a personalised device(s) and/or set of procedures agreed between the payment service user and the payment service provider and used in order to initiate a payment order;
„okvirna pogodba“ pomeni pogodbo o plačilnih storitvah, ki ureja izvršitev enkratne plačilne transakcije ali več zaporednih plačilnih transakcij v prihodnosti ter lahko vsebuje obveznost in pogoje za odprtje plačilnega računa;
‘payment initiation service’ means a service to initiate a payment order at the request of the payment service user with respect to a payment account held at another payment service provider;
„denarno nakazilo“ pomeni plačilno storitev, pri kateri se sredstva prejmejo od plačnika brez odprtja plačilnega računa v imenu plačnika ali prejemnika plačila, izključno zato, da se prenese ustrezen znesek prejemniku plačila ali drugemu ponudniku plačilnih storitev, ki deluje v imenu prejemnika plačila, in/ali kadar se taka sredstva prejmejo v imenu prejemnika plačila in se mu dajo na voljo;
‘account information service’ means an online service to provide consolidated information on one or more payment accounts held by the payment service user with either another payment service provider or with more than one payment service provider;
„direktna obremenitev“ pomeni plačilno storitev za obremenitev 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;
‘account servicing payment service provider’ means a payment service provider providing and maintaining a payment account for a payer;
„kreditno plačilo“ pomeni plačilno storitev v dobro plačilnega računa prejemnika plačila na podlagi plačilne transakcije ali vrste plačilnih transakcij s plačilnega računa plačnika, ki jo na podlagi navodila plačnika opravi ponudnik plačilnih storitev, ki vodi njegov plačilni račun;
‘payment initiation service provider’ means a payment service provider pursuing business activities as referred to in point (7) of Annex I;
„denarna sredstva“ pomeni bankovce in kovance, knjižni denar ali elektronski denar, kakor je opredeljen v točki 2 člena 2 Direktive 2009/110/ES;
‘account information service provider’ means a payment service provider pursuing business activities as referred to in point (8) of Annex I;
„datum valute“ pomeni referenčni čas, ki ga uporablja ponudnik plačilnih storitev za izračun obresti na sredstva, knjižena v breme ali v dobro plačilnega računa;
‘consumer’ means a natural person who, in payment service contracts covered by this Directive, is acting for purposes other than his or her trade, business or profession;
„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 javno dostopnega vira;
‘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;
„referenčna obrestna mera“ pomeni obrestno mero, ki je osnova za izračun obresti, ki se uporabljajo, in prihaja iz javno dostopnega vira, ki ga lahko preverita obe stranki pogodbe o plačilnih storitvah;
‘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;
„avtentikacija“ pomeni postopek, ki ponudniku plačilnih storitev omogoča, da preveri istovetnost uporabnika plačilnih storitev ali upravičenost uporabe določenega plačilnega instrumenta, vključno z uporabo uporabnikovih osebnih varnostnih elementov;
‘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 consent given by the payer to the payee, to the payee’s payment service provider or to the payer’s own payment service provider;
„močna avtentikacija strank“ pomeni avtentikacijo z uporabo dveh ali več elementov, ki spadajo v kategorijo znanja (nekaj, kar ve samo uporabnik), lastništva (nekaj, kar je v izključni lasti uporabnika) in inherence (nekaj, kar uporabnik je), ki so med seboj neodvisni, kar pomeni, da kršitev enega elementa ne zmanjšuje zanesljivosti drugih, in so zasnovani na tak način, da varujejo zaupnost podatkov, ki se preverjajo;
‘credit transfer’ means a 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 payment service provider which holds the payer’s payment account, based on an instruction given by the payer;
„osebni varnostni elementi“ pomeni personalizirane značilnosti, ki jih uporabniku plačilnih storitev zagotovi ponudnik plačilnih storitev za namene avtentikacije;
‘funds’ means banknotes and coins, scriptural money or electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC;
„občutljivi plačilni podatki“ pomeni podatke, vključno z osebnimi varnostnimi elementi, ki se lahko uporabijo za goljufijo.
‘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;
V okviru dejavnosti ponudnikov storitev odreditve plačil in ponudnikov storitev zagotavljanja informacij o računih ime imetnika računa in številka računa ne predstavljata občutljivih plačilnih podatkov;
‘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;
„enolična identifikacijska oznaka“ pomeni kombinacijo črk, številk ali simbolov, 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 plačilnega računa navedenega drugega uporabnika plačilnih storitev pri plačilni transakciji;
‘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;
„sredstvo za komuniciranje na daljavo“ pomeni način, ki se lahko brez sočasne fizične navzočnosti ponudnika in uporabnika plačilnih storitev uporablja za sklepanje pogodb o plačilnih storitvah;
‘authentication’ means a procedure which allows the payment service provider to verify the identity of a payment service user or the validity of the use of a specific payment instrument, including the use of the user’s personalised security credentials;
„trajni nosilec podatkov“ pomeni vsak instrument, ki uporabniku plačilnih storitev omogoča, da njemu osebno namenjene informacije shrani tako, da so mu dostopne za prihodnje potrebe za obdobje, ki je potrebno za namene informacij, in ki omogoča nespremenjeno reprodukcijo shranjenih informacij;
‘strong customer authentication’ means an authentication based on the use of two or more elements categorised as knowledge (something only the user knows), possession (something only the user possesses) and inherence (something the user is) that are independent, in that the breach of one does not compromise the reliability of the others, and is designed in such a way as to protect the confidentiality of the authentication data;
„mikropodjetje“ pomeni podjetje, ki je ob sklenitvi pogodbe o plačilnih storitvah podjetje, kot je opredeljeno v členu 1 ter členu 2(1) in (3) Priloge k Priporočilu 2003/361/ES [29];
‘personalised security credentials’ means personalised features provided by the payment service provider to a payment service user for the purposes of authentication;
„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;
‘sensitive payment data’ means data, including personalised security credentials which can be used to carry out fraud.
„zastopnik“ pomeni fizično ali pravno osebo, ki v imenu plačilne institucije opravlja plačilne storitve;
For the activities of payment initiation service providers and account information service providers, the name of the account owner and the account number do not constitute sensitive payment data;
„podružnica“ pomeni poslovno enoto, ki ni glavni sedež, je pa del plačilne institucije in ni pravna oseba ter neposredno izvaja nekatere ali vse transakcije, ki so del poslovanja plačilne institucije; vse poslovne enote skupaj, ki jih v isti državi članici ustanovi plačilna institucija z glavnim sedežem v drugi državi članici;
‘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 another payment service user and/or the payment account of that other payment service user for a payment transaction;
„skupina“ pomeni skupino podjetij, ki so medsebojno povezana, kakor je navedeno v členu 22(1), (2) ali (7) Direktive 2013/34/EU, ali podjetij, kakor so opredeljena v členih 4, 5, 6 in 7 Delegirane uredbe Komisije (EU) št. 241/2014 [30], ki so medsebojno povezana, kakor je navedeno v členu 10(1) ali v členu 113(6) ali (7) Uredbe (EU) št. 575/2013;
‘means of distance communication’ means a method 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;
„elektronsko komunikacijsko omrežje“ pomeni omrežje, kakor je opredeljeno v točki (a) člena 2 Direktive 2002/21/ES Evropskega parlamenta in Sveta [31];
‘durable medium’ means any instrument which enables the payment service user to store information addressed personally to that payment service user 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;
„elektronska komunikacijska storitev“ pomeni storitev, kakor je opredeljena v točki (c) člena 2 Direktive 2002/21/ES;
‘microenterprise’ 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;
„digitalna vsebina“ pomeni blago ali storitve, ki se proizvedejo in dobavijo v digitalni obliki, katere uporaba ali poraba je omejena na tehnično napravo in ki nikakor ne vključuje uporabe ali porabe fizičnega blaga in storitev;
‘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;
„pridobivanje plačilnih transakcij“ pomeni plačilno storitev, ki jo zagotavlja ponudnik plačilnih storitev, ki posluje s prejemnikom plačila ter sprejema in obdeluje plačilne transakcije, s katerimi se sredstva prenesejo na prejemnika plačila;
‘agent’ means a natural or legal person who acts on behalf of a payment institution in providing payment services;
„izdaja plačilnih instrumentov“ pomeni plačilno storitev, pri kateri ponudnik plačilnih storitev posluje s plačnikom ter mu zagotavlja plačilni instrument za odreditev in obdelavo plačnikovih plačilnih transakcij;
‘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 of 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;
„kapital“ pomeni kapital, kakor je opredeljen v točki 118 člena 4(1) Uredbe (EU) št. 575/2013, kjer je najmanj 75 % temeljnega kapitala v obliki navadnega lastniškega temeljnega kapitala iz člena 50 navedene uredbe, dodatni kapital pa je enak ali manjši od tretjine temeljnega kapitala;
‘group’ means a group of undertakings which are linked to each other by a relationship referred to in Article 22(1), (2) or (7) of Directive 2013/34/EU or undertakings as defined in Articles 4, 5, 6 and 7 of Commission Delegated Regulation (EU) No 241/2014 [29], which are linked to each other by a relationship referred to in Article 10(1) or in Article 113(6) or (7) of Regulation (EU) No 575/2013;
„plačilna blagovna znamka“ pomeni vsako stvarno ali digitalno ime, izraz, znak, simbol oziroma njihovo kombinacijo, ki lahko označuje, v okviru katere kartične sheme se izvajajo kartične plačilne transakcije.
‘electronic communications network’ means a network as defined in point (a) of Article 2 of Directive 2002/21/EC of the European Parliament and of the Council [30];
„povezovanje blagovnih znamk“ pomeni vključitev dveh ali več plačilnih blagovnih znamk ali plačilnih aplikacij iste plačilne blagovne znamke v isti plačilni instrument;
‘electronic communications service’ means a service as defined in point (c) of Article 2 of Directive 2002/21/EC;
NASLOV II
‘digital content’ means goods or services which are produced and supplied in digital form, the use or consumption of which is restricted to a technical device and which do not include in any way the use or consumption of physical goods or services;
PONUDNIKI PLAČILNIH STORITEV
‘acquiring of payment transactions’ means a payment service provided by a payment service provider contracting with a payee to accept and process payment transactions, which results in a transfer of funds to the payee;
POGLAVJE 1
‘issuing of payment instruments’ means a payment service by a payment service provider contracting to provide a payer with a payment instrument to initiate and process the payer’s payment transactions;
Plačilne institucije
‘own funds’ means funds as defined in point 118 of Article 4(1) of Regulation (EU) No 575/2013 where at least 75 % of the Tier 1 capital is in the form of Common Equity Tier 1 capital as referred to in Article 50 of that Regulation and Tier 2 is equal to or less than one third of Tier 1 capital;
Oddelek 1
‘payment brand’ means any material or digital name, term, sign, symbol or combination of them, capable of denoting under which payment card scheme card-based payment transactions are carried out;
Splošna pravila
‘co-badging’ means the inclusion of two or more payment brands or payment applications of the same payment brand on the same payment instrument.
Člen 5
TITLE II
Vloga za izdajo dovoljenja
PAYMENT SERVICE PROVIDERS
Za pridobitev dovoljenja za opravljanje storitev plačilne institucije se pristojnim organom matične države članice predloži vloga skupaj s:
CHAPTER 1
programom poslovanja, v katerem so zlasti opredeljene vrste predvidenih plačilnih storitev;