natgillin/translations-raw huggingface dataset:
When exclusively providing payment initiation services, the payment initiation service provider does not at any stage of the payment chain hold the user’s funds.
Ko ima ponudnik storitev odreditve plačil namen opravljati plačilne storitve, pri katerih razpolaga s sredstvi uporabnika, bi moral pridobiti polno dovoljenje za te storitve.
When a payment initiation service provider intends to provide payment services in relation to which it holds user funds, it should obtain full authorisation for those services.
Storitve odreditve plačil temeljijo na neposrednem ali posrednem dostopu ponudnika storitev odreditve plačil do računov plačnika.
Payment initiation services are based on direct or indirect access for the payment initiation service provider to the payer’s account.
Ponudnik plačilnih storitev, ki vodi račun in zagotavlja mehanizem za posredni dostop, bi moral ponudnikom storitev odreditve plačil omogočiti tudi neposredni dostop.
An account servicing payment service provider which provides a mechanism for indirect access should also allow direct access for the payment initiation service providers.
Namen te direktive bi moral biti zagotoviti kontinuiteto na trgu, saj bi obstoječim in novim ponudnikom storitev tako omogočili opravljanje storitev v jasnem in harmoniziranem regulativnem okviru, ne glede na poslovni model, ki ga uporabljajo ti ponudniki plačilnih storitev.
Pending the application of those rules, without prejudice to the need to ensure the security of payment transactions and customer protection against demonstrable risk of fraud, Member States, the Commission, the European Central Bank (ECB) and the European Supervisory Authority (European Banking Authority), established by Regulation (EU) No 1093/2010 of the European Parliament and of the Council [11] (EBA), should guarantee fair competition in that market avoiding unjustifiable discrimination against any existing player on the market.
Tako kot v Direktivi 2007/64/ES vključujejo zahteve skrbnega in varnega poslovanja, sorazmerne z operativnimi in finančnimi tveganji, s katerimi se taki subjekti soočajo pri svojem poslovanju.
Any payment service provider, including the account servicing payment service provider of the payment service user, should be able to offer payment initiation services.
V zvezi s tem so potrebne jasne zahteve za ustanovni kapital v povezavi s tekočim kapitalom, ki bi jih lahko naknadno natančneje opredelili glede na potrebe trga.
This Directive does not substantially change the conditions for granting and maintaining authorisation as payment institutions.
Zaradi raznolikosti na področju plačilnih storitev bi morale biti v tej direktivi dovoljene različne metode, povezane z določeno diskrecijsko pravico nadzornih organov, s čimer bi zagotovili, da bi bila enaka tveganja enako obravnavana pri vseh ponudnikih plačilnih storitev.
As in Directive 2007/64/EC, the conditions include prudential requirements proportionate to the operational and financial risks faced by such bodies in the course of their business.
Zahteve za plačilne institucije bi morale odražati dejstvo, da se plačilne institucije ukvarjajo z bolj specializiranimi in omejenimi dejavnostmi, pri čemer nastajajo tveganja, ki so manjša ter jih je lažje spremljati in nadzirati kot tista, ki nastanejo pri širšem spektru dejavnosti kreditnih institucij.
In that connection, there is a need for a sound regime of initial capital combined with on-going capital which could be elaborated in a more sophisticated way in due course depending on the needs of the market.
Plačilnim institucijam bi bilo treba zlasti prepovedati sprejemanje vlog od uporabnikov in jim dovoliti, da sredstva, ki jih prejmejo od uporabnikov, uporabljajo le za opravljanje plačilnih storitev.
Due to the range of variety in the payment services area, this Directive should allow various methods combined with a certain range of supervisory discretion to ensure that the same risks are treated the same way for all payment service providers.
Zahtevana pravila skrbnega in varnega poslovanja, vključno z ustanovnim kapitalom, bi morala biti prilagojena tveganju, povezanem s posamezno plačilno storitvijo, ki jo opravlja plačilna institucija.
The requirements for the payment institutions should reflect the fact that payment institutions engage in more specialised and limited activities, thus generating risks that are narrower and easier to monitor and control than those that arise across the broader spectrum of activities of credit institutions.
Ponudniki plačilnih storitev, ki zagotavljajo zgolj storitev odreditve plačil, bi se morali obravnavati kot srednje tvegani glede na ustanovni kapital.
In particular, payment institutions should be prohibited from accepting deposits from users and should be permitted to use funds received from users only for rendering payment services.
Kadar ponudniki storitev odreditve plačil in ponudniki storitev zagotavljanja informacij o računih opravljajo izključno storitve odreditve plačil, ne razpolagajo s sredstvi stranke.
The required prudential rules including the initial capital should be appropriate to the risk relating to the respective payment service provided by the payment institution.
Zato bi bila določitev kapitalskih zahtev za te nove udeležence na trgu nesorazmerna.
Payment service providers that provide only payment initiation services should be considered to be of a medium risk with regard to the initial capital.
Kljub temu je pomembno, da lahko krijejo svoje obveznosti, povezane z njihovimi dejavnostmi.
Payment initiation service providers and account information service providers, when exclusively providing those services, do not hold client funds.
Zato bi bilo treba od njih zahtevati, da imajo sklenjeno zavarovanje poklicne odgovornosti ali primerljivo jamstvo.
Accordingly, it would be disproportionate to impose own funds requirements on those new market players.
EBA bi moral v skladu s členom 16 Uredbe (EU) št. 1093/2010 pripraviti smernice glede meril, na podlagi katerih bi države članice določile najnižji denarni znesek zavarovanja poklicne odgovornosti ali primerljivega jamstva.
Nevertheless, it is important that they be able to meet their liabilities in relation to their activities.
EBA ne bi smel razlikovati med zavarovanjem poklicne odgovornosti in primerljivim jamstvom, saj bi morala biti izmenljiva.
They should therefore be required to hold either professional indemnity insurance or a comparable guarantee.
Da bi preprečili zlorabe pravice do ustanavljanja, je treba zahtevati, da plačilna institucija, ki zaprosi za dovoljenje v državi članici, v navedeni državi članici opravlja vsaj del svojih plačilnih storitev.
EBA should develop guidelines in accordance with Article 16 of Regulation (EU) No 1093/2010 on the criteria to be used by Member States to establish the minimum monetary amount of professional indemnity insurance or comparable guarantee.
Določiti bi bilo treba, da se sredstva uporabnika plačilnih storitev vodijo ločeno od sredstev, ki jih ima plačilna institucija.
EBA should not differentiate between professional indemnity insurance and a comparable guarantee, as they should be interchangeable.
Zahteve glede varstva denarnih sredstev so nujne, kadar ima plačilna institucija v lasti sredstva uporabnika plačilnih storitev.
In order to avoid abuses of the right of establishment, it is necessary to require that the payment institution requesting authorisation in the Member State provide at least part of its payment services business in that Member State.
Kadar ista plačilna institucija izvršuje plačilno transakcijo tako za plačnika kot prejemnika plačila in je plačniku zagotovljena kreditna linija, je morda primerno zavarovati sredstva v korist prejemnika plačila, takoj ko predstavljajo terjatev prejemnika plačila do plačilne institucije.
Provision should be made for payment service user funds to be kept separate from the payment institution’s funds.
Za plačilne institucije bi morale veljati tudi učinkovite zahteve za preprečevanje pranja denarja in preprečevanje financiranja terorizma.
Safeguarding requirements are necessary when a payment institution is in possession of payment service user funds.
Ta direktiva ne spreminja obveznosti plačilnih institucij glede njihovega računovodskega poročanja ter revizije letnih in konsolidiranih računovodskih izkazov.
Where the same payment institution executes a payment transaction for both the payer and the payee and a credit line is provided to the payer, it might be appropriate to safeguard the funds in favour of the payee once they represent the payee’s claim towards the payment institution.
Plačilne institucije bi morale letne in konsolidirane računovodske izkaze pripraviti v skladu z Direktivo Sveta 86/635/EGS [12] in Direktivo 2013/34/EU Evropskega parlamenta in Sveta [13].
Payment institutions should also be subject to effective anti-money laundering and anti-terrorist financing requirements.
Letni računovodski izkazi in konsolidirani računovodski izkazi morajo biti revidirani, razen če je plačilna institucija izvzeta iz te obveznost v skladu z navedenima direktivama.
This Directive does not change the account reporting obligations of payment institutions or their obligation to carry out audits on their annual and consolidated accounts.
Ponudniki plačilnih storitev bi morali pri zagotavljanju ene ali več plačilnih storitev, ki jih zajema ta direktiva, vedno imeti plačilne račune, ki se uporabljajo izključno za plačilne transakcije.
Payment institutions are required to draw up their annual and consolidated accounts in accordance with Council Directive 86/635/EEC [12] and Directive 2013/34/EU of the European Parliament and of the Council [13].
Da lahko ponudniki plačilnih storitev zagotavljajo plačilne storitve, je nujno potrebno, da imajo možnost odpreti in voditi račune pri kreditnih institucijah.
The annual accounts and consolidated accounts are to be audited, unless the payment institution is exempted from that obligation under those Directives.
Države članice bi morale zagotoviti, da je dostop do takšnih računov zagotovljen nediskriminatorno in sorazmerno z legitimnim ciljem, katerega želi doseči.
When engaging in the provision of one or more of the payment services covered by this Directive, payment service providers should always hold payment accounts used exclusively for payment transactions.
Takšen pristop je sicer lahko osnoven, vendar bi moral biti vedno dovolj širok, da bi lahko plačilne institucije neovirano in učinkovito opravljale svoje storitve.
In order to enable payment service providers to provide payment services, it is indispensable that they have the possibility to open and maintain accounts with credit institutions.
Ta direktiva bi morala urejati odobritev posojil plačilnih institucij, tj. odobritev kreditnih linij in izdajanje kreditnih kartic, le v primerih, ko je to tesno povezano s plačilnimi storitvami.
Member States should ensure that access to such accounts be provided in a manner that is not discriminatory and that is proportionate to the legitimate aim it intends to achieve.
Le če je posojilo odobreno zaradi lažjega opravljanja plačilnih storitev in pod pogojem da je kratkoročno, ki ni odobreno za obdobje, daljše od 12 mesecev, kar velja tudi za obnavljajoča se posojila, je plačilnim institucijam primerno dovoliti, da tako posojilo odobrijo za svoje čezmejne dejavnosti, če se financira v glavnem iz kapitala plačilne institucije in drugih sredstev na kapitalskih trgih in ne iz sredstev, ki se hranijo v imenu strank za namene plačilnih storitev.
While access can be basic, it should always be sufficiently extensive for the payment institution to be able to provide its services in an unobstructed and efficient way.
Ta pravila ne bi smela posegati v Direktivo 2008/48/ES Evropskega parlamenta in Sveta [14] ali drugo ustrezno pravo Unije ali nacionalne ukrepe o pogojih za odobritev posojil potrošnikom, ki s to direktivo niso harmonizirani.
This Directive should regulate the granting of credit by payment institutions, namely the granting of credit lines and the issuance of credit cards, only where it is closely linked to payment services.
Na splošno se je izkazalo, da pristojni nacionalni organi, odgovorni za izdajanje dovoljenj plačilnim institucijam, ki izvajajo nadzor in odločajo o odvzemu teh dovoljenj, zadovoljivo sodelujejo.
Only if credit is granted in order to facilitate payment services and such credit is of a short-term nature and is granted for a period not exceeding 12 months, including on a revolving basis, is it appropriate to allow payment institutions to grant such credit with regard to their cross-border activities, on condition that it is refinanced using mainly the payment institution’s own funds, as well as other funds from the capital markets, and not the funds held on behalf of clients for payment services.
Vendar bi bilo treba sodelovanje med pristojnimi organi okrepiti, in sicer tako glede izmenjanih informacij kot usklajene uporabe in razlage te direktive kadar želi plačilna institucija, ki je pridobila dovoljenje, zagotavljati plačilne storitve v državi članici, ki ni njena matična država članica, torej pri uveljavljanju pravice ustanavljanja ali svobode opravljanja storitev (čezmejno opravljanje plačilnih storitev z enotnim dovoljenjem ali „passporting“), tudi prek spleta.
Such rules should be without prejudice to Directive 2008/48/EC of the European Parliament and of the Council [14] or other relevant Union law or national measures regarding conditions for granting credit to consumers that are not harmonised by this Directive.
EBA bi moral v skladu z Uredbo (EU) št. 1093/2010 pristojnim organom pomagati pri reševanju sporov v okviru čezmejnega sodelovanja.
Overall, the functioning of cooperation between the national competent authorities responsible for granting authorisations to payment institutions, carrying out controls and deciding on the withdrawal of any authorisations granted, has proven to work satisfactorily.
Pripraviti bi moral tudi sklop osnutkov regulativnih tehničnih standardov o sodelovanju in izmenjavi podatkov.
However, cooperation between competent authorities should be enhanced, both with regard to the information exchanged as well as a coherent application and interpretation of this Directive, where an authorised payment institution would like to provide payment services in a Member State other than its home Member State, in exercise of the right of establishment or the freedom to provide services (‘passporting’), including through the internet.
Zaradi večje preglednosti delovanja plačilnih institucij, ki so jim pristojni organi matične države članice izdali dovoljenje ali jih registrirali, vključno z njihovimi zastopniki, in zagotavljanja visoke ravni varstva potrošnikov v Uniji je treba javnosti zagotoviti enostaven dostop do seznama subjektov, ki opravljajo plačilne storitve.
EBA should assist in resolving disputes between competent authorities in the context of cross-border cooperation in accordance with Regulation (EU) No 1093/2010.
EBA bi moral zato sestaviti in upravljati centralni register, v katerem bi objavil seznam imen subjektov, ki opravljajo plačilne storitve.
It should also prepare a set of draft regulatory technical standards on cooperation and data exchange.
Države članice bi morale zagotoviti, da bi se njihovi podatki redno posodabljali.
In order to enhance transparency of the operation of payment institutions that are authorised by, or registered with, competent authorities of the home Member State, including their agents, and to ensure a high level of consumer protection in the Union, it is necessary to ensure easy public access to the list of the entities providing payment services.
Ti ukrepi bi morali biti namenjeni tudi krepitvi sodelovanja med pristojnimi organi.
EBA should therefore develop and operate a central register in which it publishes a list of the names of the entities providing payment services.
Zaradi večje razpoložljivosti točnih in posodobljenih informacij bi bilo treba zahtevati, da plačilne institucije pristojni organ matične države članice obvestijo brez nepotrebnega odlašanja o vseh spremembah, ki vplivajo na točnost informacij in dokazil, predloženih v zvezi z izdajo dovoljenja, vključno z dodatnimi zastopniki ali zunanjimi izvajalci.
Member States should ensure that the data that they provide is kept up to date.
Pristojni organi bi morali v primeru dvoma prav tako preveriti pravilnost prejetih informacij.
Those measures should also contribute to the enhancement of the cooperation between the competent authorities.
Države članice bi morale imeti možnost, da od plačilnih institucij, ki poslujejo na njihovem ozemlju in katerih glavni sedež je v drugi državi članici, zahtevajo, da jim redno poročajo o svojih dejavnostih na njihovem ozemlju za informativne ali statistične namene.
The availability of accurate, up-to-date information should be enhanced by requiring payment institutions to inform the competent authority of their home Member State without undue delay of any changes affecting the accuracy of the information and evidence provided with regard to the authorisation, including additional agents or entities to which activities are outsourced.
Kadar te plačilne institucije poslujejo na podlagi pravice do ustanavljanja, bi moralo biti mogoče, da se te informacije uporabijo tudi za nadzor skladnosti z naslovoma III in IV te direktive, države članice pa bi morale imeti možnost, da od teh plačilnih institucij zahtevajo, naj na njihovem ozemlju imenujejo osrednjo kontaktno točko, da bi pristojnim organom omogočile lažji nadzor nad mrežo zastopnikov.
Competent authorities should also, in the event of doubt, verify that the information received is correct.
EBA bi moral pripraviti osnutek regulativnih standardov, v katerih bodo določena merila za odločanje, kdaj je primerno imenovati osrednjo kontaktno točko in kakšne naj bodo njene naloge.
Member States should be able to require that payment institutions operating on their territory, whose head office is situated in another Member State, report to them periodically on their activities in their territories for information or statistical purposes.
Zahteva po imenovanju osrednje kontaktne točke bi morala biti sorazmerna z doseganjem cilja ustrezne komunikacije in sporočanja informacij o skladnosti z naslovoma III in IV v državi članici gostiteljici.
Where those payment institutions operate pursuant to the right of establishment, it should be possible for that information also to be used for monitoring compliance with Titles III and IV of this Directive and Member States should be able to require those payment institutions to appoint a central contact point in their territory in order to facilitate the supervision of networks of agents by competent authorities.
Kadar je v nujnih primerih potrebno takojšnje ukrepanje, da bi odpravili resno grožnjo skupnim interesom uporabnikov plačilnih storitev v državi članici gostiteljici, na primer obsežno goljufijo, bi pristojni organi države članice gostiteljice morali imeti možnost, da hkrati s čezmejnim sodelovanjem med pristojnimi organi države članice gostiteljice in matične države članice ter dokler pristojni organi matične države članice ne ukrepajo sprejmejo previdnostne ukrepe.
EBA should develop draft regulatory standards setting out the criteria to determine when the appointment of a central contact point is appropriate and what its functions should be.
Ti ukrepi bi morali biti primerni, sorazmerni s ciljem, nediskriminatorni in začasne narave.
The requirement to appoint a central contact point should be proportionate to achieving the aim of adequate communication and information reporting on compliance with Titles III and IV in the host Member State.
Vsi ukrepi bi morali biti ustrezno utemeljeni.
In emergency situations, where immediate action is necessary to address a serious threat to the collective interests of the payment service users in the host Member State, such as large scale fraud, it should be possible for the competent authorities of the host Member State, to take precautionary measures in parallel with the cross-border cooperation between competent authorities of the host and the home Member State and pending measures by the competent authority of the home Member State.
Pristojni organi matične države članice zadevne plačilne institucije in drugi zadevni organi, kot sta Komisija in EBA, bi morali biti obveščeni vnaprej oziroma kadar v nujnih primerih to ni mogoče, brez nepotrebnega odlašanja.
Those measures should be appropriate, proportionate to the aim, non-discriminatory and temporary in nature.
V tej direktivi je določen minimalni obseg pooblastil, ki bi jih morali imeti pristojni organi pri nadzoru skladnosti plačilnih institucij, vendar morajo pri izvajanju teh pooblastil spoštovati temeljne pravice, vključno s pravico do zasebnosti.
Any measures should be properly justified.
Države članice bi morale brez poseganja v nadzor neodvisnega organa (nacionalnega organa za varstvo podatkov) in v skladu z Listino Evropske unije o temeljnih pravicah vzpostaviti ustrezno in učinkovito zaščito, kadar obstaja možnost, da bi izvajanje navedenih pooblastil lahko vodilo v zlorabo ali samovoljnost, kar bi bilo resno poseganje v takšne pravice, na primer z zahtevo po predhodnem dovoljenju sodnega organa zadevne države članice, kadar je primerno.
The competent authorities of the home Member State of the relevant payment institution and other authorities concerned, such as the Commission and EBA, should be informed in advance or, if not possible in view of the emergency situation, without undue delay.
Pomembno je zagotoviti, da se za vse osebe, ki opravljajo plačilne storitve, določijo nekatere minimalne pravne in regulativne zahteve.
While this Directive specifies the minimum set of powers competent authorities should have when supervising the compliance of payment institutions, those powers are to be exercised while respecting fundamental rights, including the right to privacy.
Zato je zaželeno zahtevati registracijo identitete in lokacije vseh oseb, ki opravljajo plačilne storitve, vključno z osebami, ki ne izpolnjujejo vseh pogojev, da bi prejele dovoljenje za delovanje kot plačilna institucija.
Without prejudice to the control of an independent authority (national data protection authority) and in accordance with the Charter of Fundamental Rights of the European Union, Member States should have in place adequate and effective safeguards where it is possible that the exercise of those powers could lead to abuse or arbitrariness amounting to serious interference with such rights, for instance, where appropriate, through the prior authorisation of the judicial authority of the Member State concerned.
Takšen pristop je v skladu z utemeljitvijo iz posebnega priporočila VI projektne skupine za finančno ukrepanje glede pranja denarja, da se vzpostavi mehanizem, s katerim bodo lahko ponudniki plačilnih storitev, ki ne morejo izpolniti vseh pogojev iz navedenega priporočila, kljub temu obravnavani kot plačilne institucije.
It is important to ensure that all persons providing payment services be brought within the ambit of certain minimum legal and regulatory requirements.
Za te namene bi morale države članice navedene osebe vpisati v register plačilnih institucij, tudi kadar se za njih uporablja izjema od vseh ali nekaterih pogojev za pridobitev dovoljenja.
Thus, it is desirable to require the registration of the identity and whereabouts of all persons providing payment services, including of persons which are unable to meet the full range of conditions for authorisation as payment institutions.
Vendar pa je nujno, da za možnost uveljavljanja te izjeme veljajo stroge zahteve v zvezi z vrednostjo plačilnih transakcij.
Such an approach is in line with the rationale of Special Recommendation VI of the Financial Action Task Force on Money Laundering which provides for a mechanism whereby payment service providers who are unable to meet all of the conditions set out in that Recommendation may nevertheless be treated as payment institutions.
Plačilne institucije, za katere velja izjema, ne bi smele koristiti pravice do ustanavljanja ali svobode opravljanja storitev in teh pravic ne bi smele uveljavljati posredno kot članice plačilnega sistema.