natgillin/translations-raw huggingface dataset:
Directive 2007/64/EC of the European Parliament and of the Council [4] has provided a legal foundation for the creation of a Union-wide internal market for payments as it substantially facilitated the activity of payment service providers, creating uniform rules with respect to the provision of payment services.
Z Direktivo 2007/64/ES Evropskega parlamenta in Sveta [4] je bila zagotovljena pravna podlaga za vzpostavitev notranjega trga plačil v vsej Uniji, saj je bilo z oblikovanjem enotnih pravil za opravljanje plačilnih storitev znatno olajšano delovanje ponudnikov plačilnih storitev.
Regulation (EC) No 924/2009 of the European Parliament and of the Council [5] established the principle that charges paid by users for a cross-border payment in euro are the same as for the corresponding payment within a Member State including card-based payment transactions covered by this Regulation.
Z Uredbo (ES) št. 924/2009 Evropskega parlamenta in Sveta [5] je bilo uvedeno načelo, da so stroški, ki jih uporabniki plačajo za čezmejno plačilo v eurih, enaki stroškom ustreznega plačila v državi članici, vključno s kartičnimi plačilnimi transakcijami, ki jih zajema ta uredba.
Regulation (EU) No 260/2012 of the European Parliament and of the Council [6] provided the rules for the functioning of credit transfers and direct debits in euro in the internal market but excluded card-based payment transactions from its scope.
Z Uredbo (EU) št. 260/2012 Evropskega parlamenta in Sveta [6] so bila določena pravila za delovanje kreditnih prenosov in direktnih bremenitev v eurih na notranjem trgu, vendar so bila kartične plačilne transakcije izključene iz njenega področja uporabe.
Directive 2011/83/EU of the European Parliament and of the Council [7] aims to harmonise certain rules on contracts concluded between consumers and traders, including rules on fees for the use of means of payment, on the basis of which Member States prohibit traders from charging consumers, in respect of the use of a given means of payment, fees that exceed the cost borne by the trader for the use of such means.
Z Direktivo 2011/83/EU Evropskega parlamenta in Sveta [7] se namerava harmonizirati nekatera pravila o pogodbah, sklenjenih med potrošniki in trgovci, vključno s pravili o provizijah za uporabo plačilnih sredstev, na podlagi katerih države članice trgovcem prepovedujejo, da bi potrošnikom v zvezi z uporabo posamezne oblike plačilnega sredstva zaračunavali provizije, ki presegajo stroške, ki jih ima trgovec z uporabo take oblike plačilnega sredstva.
Secure, efficient, competitive and innovative electronic payments are crucial if consumers, merchants and companies are to enjoy the full benefits of the internal market, especially as the world moves towards e-commerce.
Varna, učinkovita, konkurenčna in inovativna elektronska plačila so ključna, da lahko potrošniki, trgovci in podjetja izkoristijo vse prednosti notranjega trga, zlasti ker je to v okolju, ki je vse bolj usmerjeno v e-trgovanje, vedno bolj pomembno.
Some Member States have issued or are preparing legislation to regulate directly or indirectly interchange fees and covering a number of issues, including caps on interchange fees at various levels, merchant fees, the ‘Honour All Cards’ rule and steering measures.
Nekatere države članice so sprejele ali pripravljajo zakonodajo, ki bo neposredno ali posredno urejala medbančne provizije, pri čemer bodo zajeta številna vprašanja, vključno z omejitvami višine medbančnih provizij na različnih ravneh, provizijami, ki se zaračunavajo trgovcem, pravilom spoštovanja vseh kartic ter usmerjevalnimi ukrepi.
The existing administrative decisions in some Member States vary significantly.
Veljavne upravne odločbe v nekaterih državah članicah se zelo razlikujejo.
To make the levels of interchange fees more consistent, a further introduction of regulatory measures at national level aimed at addressing the levels of, or discrepancies between, those fees is anticipated.
Zaradi večje doslednosti stopenj medbančnih provizij je predvidena uvedba nadaljnjih regulativnih ukrepov na nacionalni ravni, s katerimi bodo obravnavane stopnje teh provizij ali odstopanja med njimi.
Such national measures would be likely to lead to significant barriers to the completion of the internal market in the area of card-based payments and internet and mobile payments based on cards and would therefore hinder the freedom to provide services.
Takšni nacionalni ukrepi bi verjetno zelo ovirali dokončno vzpostavitev notranjega trga na področju kartičnih plačil ter spletnih in mobilnih plačil na podlagi kartic ter s tem svobodno opravljanje storitev.
Payment cards are the most frequently used electronic payment instrument for retail purchases.
Plačilne kartice so najpogostejši elektronski plačilni instrument pri maloprodajnih nakupih.
However, integration of the Union payment card market is far from complete as many payment solutions cannot develop beyond their national borders and new pan-Union players are prevented from entering the market.
Vendar povezovanje trga plačilnih kartic v Uniji še zdaleč ni dokončano, ker veliko plačilnih rešitev ne more preseči nacionalnih meja ter ker novi vseevropski udeleženci ne morejo vstopiti na trg.
There is a need to remove obstacles to the efficient functioning of the card market, including in the area of card-based payments and internet and mobile payments based on cards.
Odpraviti je treba ovire za učinkovito delovanje kartičnega trga, vključno s kartičnimi plačili ter spletnimi in mobilnimi plačili na podlagi kartic.
To enable the internal market to function effectively, the use of electronic payments should be promoted and facilitated to the benefit of merchants and consumers.
Da bi se omogočilo učinkovito delovanje notranjega trga, bi bilo treba spodbujati in olajšati uporabo elektronskih plačil v korist trgovcev in potrošnikov.
Cards and other electronic payments can be used in a more versatile manner, including possibilities to pay online in order to take advantage of the internal market and e-commerce, whilst electronic payments also provide merchants with potentially secure payments.
Kartična in druga elektronska plačila se lahko uporabljajo bolj vsestransko, vključno z možnostmi spletnih plačil, da se izkoristijo prednosti notranjega trga in e-trgovanja, pri čemer elektronska plačila trgovcem zagotavljajo tudi potencialno varna plačila.
Card-based payment transactions instead of payments in cash could therefore be beneficial for merchants and consumers, provided that the fees for the use of the payment card schemes are set at an economically efficient level, whilst contributing to fair competition, innovation and market entry of new operators.
Kartične plačilne transakcije namesto gotovinskih plačil bi lahko bile torej ugodne za trgovce in potrošnike, če bi bile provizije za uporabo shem plačilnih kartic določene na stroškovno učinkoviti ravni, kar bi hkrati prispevalo k pošteni konkurenci, inovativnosti in vstopu novih izvajalcev na trg.
Interchange fees are usually applied between the card-acquiring payment service providers and the card-issuing payment service providers belonging to a certain payment card scheme.
Medbančne provizije se običajno uporabljajo med ponudniki plačilnih storitev pridobitelji kartic in ponudniki plačilnih storitev izdajatelji kartic, ki pripadajo posamezni shemi plačilnih kartic.
Interchange fees are a main part of the fees charged to merchants by acquiring payment service providers for every card-based payment transaction.
Medbančne provizije so glavni del provizij, ki jih ponudniki plačilnih storitev pridobitelji zaračunajo trgovcem za vsako kartično plačilno transakcijo.
Merchants in turn incorporate those card costs, like all their other costs, in the general prices of goods and services.
Trgovci nato te kartične stroške, tako kot vse svoje druge stroške, vključijo v splošne cene blaga in storitev.
Competition between payment card schemes to convince payment service providers to issue their cards leads to higher rather than lower interchange fees on the market, in contrast with the usual price-disciplining effect of competition in a market economy.
Konkurenca med shemami plačilnih kartic z namenom prepričati ponudnike plačilnih storitev, da izdajo njihove kartice, je vzrok, da so medbančne provizije na trgu višje in ne nižje, kar je v nasprotju z običajnim učinkom cenovne discipline, ki ga ima konkurenca v tržnem gospodarstvu.
In addition to a consistent application of the competition rules to interchange fees, regulating such fees would improve the functioning of the internal market and contribute to reducing transaction costs for consumers.
Poleg tega, da bi se za medbančne provizije dosledno uporabljala pravila o konkurenci, bi ureditev teh provizij izboljšala delovanje notranjega trga in prispevala k zmanjšanju stroškov transakcij za potrošnike.
The existing wide variety of interchange fees and their level prevent the emergence of new pan-Union players on the basis of business models with lower or no interchange fees, to the detriment of potential economies of scale and scope and their resulting efficiencies.
Sedanja velika raznolikost medbančnih provizij in njihova stopnja preprečujeta vstop na trg za nove vseevropske udeležence na podlagi poslovnih modelov z nižjimi medbančnimi provizijami ali brez njih, kar škodi potencialni ekonomiji obsega in ekonomiji razpona ter njuni učinkovitosti.
This has a negative impact on merchants and consumers and prevents innovation.
To negativno vpliva na trgovce in potrošnike ter preprečuje inovacije.
As pan-Union players would, as a minimum, have to offer issuing banks the highest level of interchange fee prevailing in the market they want to enter, it also results in persisting market fragmentation.
Ker bi morali vseevropski udeleženci bankam izdajateljicam ponuditi najmanj najvišjo stopnjo medbančne provizije, ki prevladuje na trgu, na katerega želijo vstopiti, to povzroča tudi stalno razdrobljenost trga.
Existing domestic schemes with lower or no interchange fees may also be forced to exit the market because of the pressure from banks to obtain higher interchange fees revenues.
Obstoječe domače sheme z nižjimi medbančnimi provizijami ali brez njih bodo morda celo prisiljene v umik s trga zaradi pritiska bank, naj ustvarijo višje prihodke iz naslova medbančnih provizij.
As a result, consumers and merchants face restricted choice, higher prices and lower quality of payment services, while their ability to use pan-Union payment solutions is also restricted.
Potrošniki in trgovci se tako srečujejo z omejeno izbiro, višjimi cenami in slabšo kakovostjo plačilnih storitev, prav tako pa so omejeni pri uporabi vseevropskih plačilnih storitev.
In addition, merchants cannot overcome the fee differences by making use of card acceptance services offered by banks in other Member States.
Poleg tega trgovci ne morejo nadomestiti razlik v provizijah z uporabo storitev za sprejemanje kartic, ki jih opravljajo banke v drugih državah članicah.
Specific rules applied by the payment card schemes require the application of the interchange fee of the ‘point of sale’ (country of the merchant) for each payment transaction, on the basis of their territorial licensing policies.
Posebna pravila, ki jih uporabljajo sheme plačilnih kartic, določajo, da se na podlagi njihove ozemeljske politike podeljevanja licenc za vsako plačilno transakcijo uporabi medbančna provizija prodajnega mesta (država trgovca).
This requirement prevents acquirers from successfully offering their services on a cross-border basis.
Ta zahteva pridobiteljem preprečuje uspešno čezmejno opravljanje storitev.
It can also prevent merchants from reducing their payment costs to the benefit of consumers.
Prav tako lahko trgovcem prepreči, da bi zmanjšali svoje stroške plačil v korist potrošnikov.
The application of existing legislation by the Commission and national competition authorities has not been able to redress this situation.
Čeprav Komisija in nacionalni organi, pristojni za konkurenco, uporabljajo veljavno zakonodajo, takšnega stanja ni bilo mogoče odpraviti.
Therefore, to avoid fragmentation of the internal market and significant distortions of competition through diverging laws and administrative decisions, there is a need, in line with Article 114 of the Treaty on the Functioning of the European Union, to take measures to address the problem of high and divergent interchange fees, to allow payment service providers to provide their services on a cross-border basis and for consumers and merchants to use cross-border services.
Da bi se preprečila razdrobljenost notranjega trga in bistveno izkrivljanje konkurence zaradi različnih zakonov in upravnih odločb, je zato treba v skladu s členom 114 Pogodbe o delovanju Evropske unije sprejeti ukrepe za reševanje problematike visokih in različnih medbančnih provizij, da bi se ponudnikom plačilnih storitev omogočilo čezmejno opravljanje storitev, potrošnikom in trgovcem pa uporabo teh čezmejnih storitev.
The application of this Regulation should be without prejudice to the application of Union and national competition rules.
Uporaba te uredbe ne bi smela posegati v uporabo pravil Unije o konkurenci in nacionalnih pravil o konkurenci.
It should not prevent Member States from maintaining or introducing lower caps or measures of equivalent object or effect through national legislation.
Državam članicam ne bi smela preprečevati, da na podlagi nacionalne zakonodaje ohranijo ali uvedejo nižje omejitve ali ukrepe z enakim namenom ali učinkom.
In order to facilitate the smooth functioning of an internal market for card-based payments and internet and mobile payments based on cards, to the benefit of consumers and merchants, this Regulation should apply to cross-border and domestic issuing and acquiring of card-based payment transactions.
Da se omogoči nemoteno delovanje notranjega trga za kartična plačila ter spletna in mobilna plačila na podlagi kartic, v korist potrošnikov in trgovcev, bi bilo treba to uredbo uporabljati za čezmejno in domače izdajanje in pridobivanje kartičnih plačilnih transakcij.
If merchants can choose an acquirer outside their own Member State (‘cross-border acquiring’), which will be facilitated by the imposition of the same maximum level of both domestic and cross-border interchange fees for acquired transactions and the prohibition of territorial licensing, it should be possible to provide the necessary legal clarity and to prevent distortions of competition between payment card schemes.
Če lahko trgovci izberejo pridobitelja zunaj svoje države članice (v nadaljnjem besedilu: čezmejno pridobivanje), kar bo omogočeno z uvedbo iste najvišje stopnje tako domačih kot čezmejnih medbančnih provizij za pridobljene transakcije in s prepovedjo ozemeljskega podeljevanja licenc, bi moralo biti možno zagotoviti potrebno pravno jasnost in preprečiti izkrivljanje konkurence med shemami plačilnih kartic.
As a consequence of unilateral undertakings and commitments accepted in the framework of competition proceedings, many cross-border card-based payment transactions in the Union are already carried out respecting the maximum interchange fees.
Na podlagi enostranskih zavez, sprejetih v okviru postopkov o konkurenci, se veliko čezmejnih kartičnih plačilnih transakcij v Uniji že izvaja ob upoštevanju najvišjih dovoljenih medbančnih provizij.
In order to provide for fair competition in the market for acquiring services, the provisions relating to cross-border and to domestic transactions should apply simultaneously and within a reasonable period after the entry into force of this Regulation, taking account of the difficulty and complexity of the migration of payment card schemes, which this Regulation necessitates.
Da bi zagotovili pošteno konkurenco na trgu storitev pridobivanja, bi bilo treba določbe v zvezi s čezmejnimi in domačimi transakcijami začeti uporabljati istočasno in v razumnem obdobju po začetku veljavnosti te uredbe, pri tem pa bi bilo treba upoštevati težavnost in kompleksnost prehoda shem plačilnih kartic, ki ga zahteva ta uredba.
There are two main types of credit cards available on the market.
Na trgu sta na voljo dve glavni vrsti kreditnih kartic.
With deferred debit cards, the total amount of transactions is debited from the cardholder account at a pre-agreed specific date, usually once a month, without interest to be paid.
Pri kartici z odloženim plačilom se račun imetnika kartice bremeni s celotnim zneskom transakcije na predhodno točno določen datum, običajno enkrat na mesec, brez obresti.
With other credit cards, the cardholder can use a credit facility in order to reimburse part of the amounts due at a later date than specified, together with interest or other costs.
Pri drugih kreditnih karticah lahko imetnik kartice uporabi kreditno storitev, da povrne del zapadlih zneskov na poznejši datum, kot je bil določen, skupaj z obrestmi ter drugimi stroški.
All debit and credit card-based payment transactions should be subject to a maximum interchange fee rate.
Za vse plačilne transakcije z debetnimi in kreditnimi karticami bi morala biti določena najvišja dovoljena stopnja medbančne provizije.
The impact assessment shows that a prohibition of interchange fees for debit card transactions would be beneficial for card acceptance, card usage, the development of the single market and generate more benefits to merchants and consumers than a cap set at any higher level.
Ocena učinka kaže, da bi bila prepoved medbančnih provizij za transakcije z debetnimi karticami koristna za sprejemanje in uporabo kartic in razvoj enotnega trga ter bi trgovcem in potrošnikom prinesla večje koristi kot višja omejitev.
Moreover, it would avoid negative effects resulting from a higher cap in those national schemes that have very low or zero interchange fees for debit transactions due to cross-border expansion or new market entrants increasing fee levels to the level of the cap.
Poleg tega bi s tem preprečili negativne učinke, ki bi jih višja omejitev povzročila v nacionalnih shemah z zelo nizko ali ničelno medbančno provizijo za transakcije z debetnimi karticami, saj bi se stopnje provizij zaradi čezmejne razširitve ali novih udeležencev na trgu provizije dvignile na raven omejitve.
A ban on interchange fees for debit card transactions also addresses the threat of exporting the interchange fee model to new, innovative payment services such as mobile and online systems.
Prepoved medbančnih provizij za transakcije z debetnimi karticami tudi zmanjšuje tveganje prenosa modela medbančnih provizij na nove, inovativne plačilne storitve, kot so mobilni in spletni sistemi.
The caps in this Regulation are based on the so-called ‘Merchant Indifference Test’ developed in economic literature, which identifies the fee level a merchant would be willing to pay if the merchant were to compare the cost of the customer's use of a payment card with those of non-card (cash) payments (taking into account the fee for service paid to acquiring banks, i.e. the merchant service charge and the interchange fee).
Omejitve iz te uredbe temeljijo na tako imenovanem „preizkusu indiferentnosti trgovcev“, ki je nastal v ekonomski literaturi in s katerim se določi stopnja provizije, ki bi jo bil trgovec pripravljen plačati na podlagi primerjave stroškov pri kartičnih plačilih potrošnikov s stroški pri nekartičnih (gotovinskih) plačilih (ob upoštevanju provizije za storitve, ki se plača bankam pridobiteljicam, to je provizije, ki se zaračuna trgovcu, ter medbančne provizije).
It thereby stimulates the use of efficient payment instruments through the promotion of those cards that provide higher transactional benefits, while at the same time preventing disproportionate merchant fees, which would impose hidden costs on other consumers.
Tako se s spodbujanjem kartic, ki zagotavljajo večje transakcijske ugodnosti, spodbuja uporaba učinkovitih plačilnih instrumentov, hkrati pa se preprečujejo nesorazmerne provizije, ki se zaračunavajo trgovcem in bi drugim potrošnikom povzročile skrite stroške.
Excessive merchant fees might otherwise arise due to the collective interchange fee arrangements, as merchants are reluctant to turn down costly payment instruments for fear of losing business.
Previsoke provizije, ki se zaračunavajo trgovcem, bi sicer lahko izhajale tudi iz kolektivnih sporazumov o medbančnih provizijah, ker trgovci zaradi strahu pred izgubo posla niso pripravljeni zavrniti dragih plačilnih instrumentov.
Experience has shown that those levels are proportionate, as they do not call into question the operation of international card schemes and payment service providers.
Izkušnje so pokazale, da so zadevne stopnje sorazmerne, saj ne vzbujajo dvoma o delovanju mednarodnih kartičnih shem in ponudnikov plačilnih storitev.
They also provide benefits for merchants and consumers and provide legal certainty.
Pomenijo tudi ugodnosti za trgovce in potrošnike ter zagotavljajo pravno varnost.
Nevertheless, as shown in the impact assessment, in certain Member States interchange fees have developed so as to allow consumers to benefit from efficient debit card markets in terms of card acceptance and card usage with lower interchange fees than the merchant indifference level.
Kot izhaja iz ocene učinka, so se medbančne provizije v nekaterih državah članicah kljub temu razvile tako, da lahko potrošniki izkoristijo ugodnosti učinkovitih trgov debetnih kartic v smislu sprejemanja in uporabe kartic, katerih medbančne provizije so nižje od stopnje indiferentnosti trgovcev.
Member States should therefore be able to establish lower interchange fees for domestic debit card transactions.
Države članice bi tako morale imeti možnost, da določijo nižje medbančne provizije za domače transakcije z debetnimi karticami.
In addition, to ensure that debit card fees are set at an economically efficient level, taking into account the structure of domestic debit card markets, the possibility to express interchange fee caps as a flat rate should be maintained.
Poleg tega bi bilo treba ohraniti možnost, da se omejitve višine medbančnih provizij izrazijo s pavšalnim zneskom, kar bi zagotovilo, da so provizije za debetne kartice določene na stroškovno učinkoviti ravni, pri čemer se upošteva struktura domačih trgov debetnih kartic.
A flat rate may also promote the use of card-based payments of small value amounts (‘micropayments’).
Pavšalni znesek bi lahko bil tudi spodbuda za uporabo kartičnih plačil za zneske majhnih vrednosti (v nadaljnjem besedilu: mikroplačila).
It should also be possible to apply such a flat rate in combination with a percentage rate, provided that the sum of such interchange fees does not exceed the specified percentage of the total annual transaction value at domestic level within each payment card scheme.
Obstajati bi morala tudi možnost, da se tak pavšalni znesek uporabi v povezavi z odstotno stopnjo, če vsota takih medbančnih provizij ne presega določenega odstotka skupne letne vrednosti transakcij na domači ravni v okviru vsake sheme plačilnih kartic.
Furthermore it should be possible to define a lower per transaction percentage interchange fee cap, and to impose a fixed maximum fee amount as a limit to the fee amount resulting from the applicable per transaction percentage rate.
Obstajati bi morala tudi možnost, da se določi nižja omejitev višine medbančne provizije za posamezno transakcijo in naloži fiksni najvišji dovoljeni znesek provizije kot omejitev zneska provizije, ki je posledica uporabljene odstotne stopnje na transakcijo.
Furthermore, taking into account that this Regulation undertakes harmonisation for the first time of interchange fees in a context where existing debit card schemes and interchange fees are very different, it is necessary to provide for flexibility for domestic payment cards markets.
Ob upoštevanju tega, da je namen te uredbe prvič doslej harmonizirati medbančne provizije v primeru, ko se obstoječe sheme debetnih kartic in medbančne provizije zelo razlikujejo, je treba poleg tega zagotoviti prožnost domačih trgov plačilnih kartic.