natgillin/translations-raw huggingface dataset:
This Directive aims to increase consumer protection in cases of card-based payment transactions where the exact transaction amount is not known at the moment when the payer gives consent to execute the payment transaction, for example at automatic fuelling stations, in car rental contracts or when making hotel reservations.
Trenutna in doslej edina vseevropska shema direktnih obremenitev za potrošniška plačila v eurih, ki jo je razvil Evropski svet za plačila, temelji na načelu, da plačnik prejemnika plačila pooblasti za izvršitev direktne obremenitve, pooblastilo pa skupaj z zadnjimi spremembami ali preklicem shrani prejemnik plačila.
The payer’s payment service provider should be able to block funds on the payer’s payment account only if the payer has given consent to the exact amount of the funds to be blocked and those funds should be released without undue delay after receipt of the information concerning the exact amount of the payment transaction and at the latest immediately after receipt of the payment order.
Pooblastilo lahko shrani tudi tretja stranka v imenu prejemnika plačila.
The SEPA project aims to further develop common Union-wide payment services to replace current national services with regard to payments denominated in euro.
Da bi zagotovili široko podporo javnosti projektu SEPA ter visoko raven varstva potrošnikov v okviru SEPA, obstoječa vseevropska shema direktnih obremenitev zagotavlja brezpogojno pravico do povračila za odobrena plačila.
With a view to ensuring complete migration to Union-wide credit transfers and direct debits, Regulation (EU) No 260/2012 establishes technical and business requirements for credit transfers and direct debits in euro.
Glede na to je namen te direktive določiti brezpogojno pravico do povračila kot splošno zahtevo za vse transakcije z direktno obremenitvijo, izražene v eurih, ki potekajo v Uniji.
With reference to direct debits, that Regulation envisages that the payer give consent both to the payee and to the payer’s payment service provider (directly or indirectly via the payee), and that mandates, together with later modifications or cancellation, are stored by the payee or by a third party on behalf of the payee.
Vendar vzporedno s SEPA v državah članicah, ki niso članice euroobmočja, še vedno obstajajo preostale sheme direktnih obremenitev brez eura.
The current and, so far, only pan-European direct debit scheme for consumer payments in euro developed by the European Payments Council is based on the principle that the mandate to execute a direct debit is given by the payer to the payee and, together with later modifications or cancellation, is stored by the payee.
Te sheme so se izkazale za učinkovite in plačnikom zagotavljajo enako visoko raven zaščite z drugimi varovali, ki ne temeljijo vedno na brezpogojni pravici do povračila.
The mandate can also be stored by a third party on behalf of the payee.
V tem primeru bi morali zaradi varstva plačnikov sprejeti splošno pravilo o povračilu, kadar izvršena plačilna transakcija presega upravičeno pričakovan znesek.
In order to ensure broad public support for SEPA and to ensure a high level of consumer protection within SEPA, the existing pan-European direct debit scheme provides for an unconditional right to a refund for authorised payments.
Države članice bi lahko poleg tega določile pravila glede pravic do povračila, ki so ugodnejša za plačnike.
Reflecting that reality, this Directive aims to establish an unconditional right to a refund as a general requirement for all euro-denominated direct debit transactions in the Union.
V okviru SEPA obstaja dejansko povpraševanje po posebnih produktih direktne obremenitve, izraženih v eurih, o čemer priča nadaljnja uporaba določenih že obstoječih plačilnih storitev v eurih v nekaterih državah članicah.
However, in parallel with SEPA, legacy non-euro direct debit schemes continue to exist in Member States whose currency is not the euro.
Sorazmerno bi bilo, da se plačniku in plačnikovemu ponudniku plačilnih storitev dovoli, da se v okvirni pogodbi dogovorita, da plačnik nima pravice do povračila, kadar je zaščiten, ker je plačnik dal soglasje za izvršitev transakcije neposredno svojemu ponudniku plačilnih storitev, tudi kadar ta deluje v imenu prejemnika plačila, ali ker je, kadar je primerno, ponudnik plačilnih storitev ali prejemnik plačila plačniku na dogovorjen način zagotovil ali dal na voljo informacije o prihodnji plačilni transakciji vsaj štiri tedne pred dnevom zapadlosti.
Those schemes are proving to be efficient and ensure the same high level of protection to the payer by other safeguards, not always based on an unconditional right to a refund.
Plačnika bi moralo v vsakem primeru vedno varovati splošno pravilo o povračilu, če gre za neodobrene ali nepravilno izvršene plačilne transakcije.
In that case the payer should be protected by the general rule for a refund when the executed payment transaction exceeds the amount which could reasonably have been expected.
Za finančno načrtovanje in pravočasno izpolnjevanje plačilnih obveznosti morajo imeti potrošniki in podjetja zagotovilo glede obdobja, ki je potrebno za izvršitev plačilnega naloga.
In addition, it should be possible for Member States to lay down rules concerning the right to a refund that are more favourable to the payer.
V tej direktivi bi zato moralo biti določeno, kdaj začnejo veljati pravice in obveznosti, in sicer ko ponudnik plačilnih storitev prejme plačilni nalog, tudi kadar ga je ponudnik plačilnih storitev imel možnost prejeti prek komunikacijskih sredstev, dogovorjenih v pogodbi o plačilnih storitvah, ne glede na predhodno sodelovanje v postopkih, ki so privedli do nastanka in posredovanja plačilnega naloga, kot so preverjanje varnosti in razpoložljivosti sredstev, informacije v zvezi z uporabo osebne identifikacijske številke ali obljuba plačila.
There is a genuine demand for specific euro-denominated direct debit products within SEPA, as illustrated by the continued existence of certain legacy payment services in euro in some Member States.
Poleg tega bi se moral za čas prejetja plačilnega naloga šteti trenutek, ko plačnikov ponudnik plačilnih storitev prejme plačilni nalog, ki bo obremenil plačnikov račun.
It would be proportionate to permit the payer and the payer’s payment service provider to agree in a framework contract that the payer has no right to a refund in situations where the payer is protected either because the payer has given consent to execute a transaction directly to its payment service provider, including when the payment service provider acts on behalf of the payee, or because, where applicable, information on the future payment transaction was provided or made available in an agreed manner to the payer at least 4 weeks before the due date by the payment service provider or by the payee.
Dan ali trenutek, ko prejemnik plačila ponudniku plačilnih storitev posreduje plačilne naloge za poravnavo, na primer plačil s karticami ali direktnih obremenitev, ali ko ponudnik plačilnih storitev prejemniku plačila odobri predhodno financiranje zadevnih zneskov (s posojilom v primeru nepričakovanih dogodkov), bi moral biti pri tem brezpredmeten.
In any event, the payer should always be protected by the general refund rule in the case of unauthorised or incorrectly executed payment transactions.
Uporabniki bi morali imeti možnost, da se zanesejo na pravilno izvršitev popolnega in veljavnega plačilnega naloga, če ponudnik plačilnih storitev nima pogodbenih ali zakonskih razlogov za zavrnitev.
For financial planning and the fulfilment of payment obligations in due time, consumers and undertakings need to have certainty as to the length of time that the execution of a payment order will take.
Če ponudnik plačilnih storitev zavrne plačilni nalog, bi moral o zavrnitvi in razlogu zanjo ob prvi priložnosti obvestiti uporabnika plačilnih storitev v skladu s pravom Unije in nacionalnim pravom.
This Directive should therefore establish when rights and obligations take effect, namely, when the payment service provider receives the payment order, including when the payment service provider has had the opportunity to receive it through the means of communication agreed in the payment service contract, notwithstanding any prior involvement in the process leading up to the creation and transmission of the payment order, e.g. security and availability of funds checks, information on the use of the personal identity number or issuance of a payment promise.
Kadar okvirna pogodba določa, da lahko ponudnik plačilnih storitev zaračuna provizijo za zavrnitev, bi morala biti taka provizija objektivno utemeljena in čim nižja.
Furthermore, receipt of a payment order should occur when the payer’s payment service provider receives the payment order to be debited from the payer’s account.
Glede na hitrost, s katero sodobni, popolnoma avtomatizirani plačilni sistemi obdelujejo plačilne transakcije, kar pomeni, da po določenem trenutku plačilnih nalogov ni mogoče preklicati brez visokih stroškov ročnega posredovanja, je treba določiti jasen rok za preklice plačil.
The day or moment when a payee transmits to the payment service provider payment orders for the collection e.g. of card payments or of direct debits or when the payee is granted a pre-financing on the related amounts by the payment service provider by way of a contingent credit to the account should have no relevance in that respect.
Vendar bi se lahko pogodbene stranke dogovorile o drugačnem roku, odvisno od vrste plačilne storitve in plačilnega naloga.
Users should be able to rely on the proper execution of a complete and valid payment order if the payment service provider has no contractual or statutory ground for refusal.
V tem smislu se preklic lahko uporablja samo v razmerju med uporabnikom in ponudnikom plačilnih storitev, kar ne posega v nepreklicnost in dokončnost plačilnih transakcij v plačilnih sistemih.
If the payment service provider refuses a payment order, the refusal and the reason for the refusal should be communicated to the payment service user at the earliest opportunity, subject to the requirements of Union and national law.
Takšna nepreklicnost transakcij ne bi smela vplivati na pravice ali obveznosti ponudnika plačilnih storitev v skladu z zakonodajo nekaterih držav članic, na podlagi okvirne pogodbe plačnika ali nacionalnih zakonov, predpisov, upravnih določb oziroma smernic, da plačniku v primeru spora med plačnikom in prejemnikom plačila povrne znesek izvršene plačilne transakcije.
Where the framework contract provides that the payment service provider may charge a fee for refusal, such a fee should be objectively justified and should be kept as low as possible.
Takšno povračilo bi se moralo šteti za nov plačilni nalog.
In view of the speed with which modern fully automated payment systems process payment transactions, which means that after a certain point in time payment orders cannot be revoked without high manual intervention costs, it is necessary to specify a clear deadline for payment revocations.
V vseh drugih primerih bi se morali pravni spori, izhajajoči iz razmerja, na katerem temelji plačilni nalog, reševati izključno med plačnikom in prejemnikom plačila.
However, depending on the type of the payment service and the payment order, it should be possible to vary the deadline for payment revocations by agreement between the parties.
Za popolnoma integrirano neposredno obdelavo plačil in pravno varnost v zvezi z izpolnjevanjem osnovnih obveznosti med uporabniki plačilnih storitev je bistveno, da bi bil celotni znesek, ki ga prenese plačnik, nakazan na račun prejemnika plačila.
Revocation, in that context, should apply only to the relationship between a payment service user and a payment service provider, thus being without prejudice to the irrevocability and finality of payment transactions in payment systems.
V skladu s tem ne bi smelo biti dovoljeno, da posredniki, ki sodelujejo pri izvršitvi plačilnih transakcij, uveljavljajo odbitke od prenesenih zneskov.
Such irrevocability should not affect a payment service provider’s rights or obligations under the laws of some Member States, based on the payer’s framework contract or national laws, regulations, administrative provisions or guidelines, to reimburse the payer with the amount of the executed payment transaction in the event of a dispute between the payer and the payee.
Vendar pa bi morali prejemniki plačila imeti možnost, da sklenejo dogovor s svojim ponudnikom plačilnih storitev, po katerem lahko slednji odbije svoja nadomestila.
Such reimbursement should be considered to be a new payment order.
Kljub temu bi morale naknadne informacije o plačilni transakciji poleg celotnega zneska prenesenih sredstev vsebovati tudi znesek morebitnih nadomestil, ki so bila odbita, da bi prejemnik plačila lahko preveril, ali je bil dolgovani znesek pravilno plačan.
Except for those cases, legal disputes arising within the relationship underlying the payment order should be settled only between the payer and the payee.
Instrumenti za plačila malih vrednostih bi morali biti pri blagu in storitvah nizke vrednosti poceni in preprosta alternativa ter ne bi smeli biti preobremenjeni s pretiranimi zahtevami.
It is essential, for the fully integrated straight-through processing of payments and for legal certainty with respect to the fulfilment of any underlying obligation between payment service users, that the full amount transferred by the payer should be credited to the account of the payee.
Ustrezne zahteve o informacijah in pravila za njihovo izvajanje bi zato morali biti omejeni na bistvene informacije, pri čemer bi bilo treba upoštevati tudi tehnične zmogljivosti, ki se jih lahko upravičeno pričakuje pri instrumentih, namenjenih plačilom malih vrednosti.
Accordingly, it should not be possible for any of the intermediaries involved in the execution of payment transactions to make deductions from the amount transferred.
Uporabniki plačilnih storitev bi morali biti kljub manj strogemu režimu deležni zadostne zaščite ob upoštevanju omejenih tveganj, ki jih prinašajo ti plačilni instrumenti, kar velja zlasti za predplačniške plačilne instrumente.
However, it should be possible for payees to enter into an agreement with their payment service provider which allows the latter to deduct its own charges.
Za izboljšanje učinkovitosti plačil po vsej Uniji bi bilo treba za vse plačilne naloge, ki jih plačnik odredi v eurih ali v valuti države članice, katere valuta ni euro, vključno s kreditnimi plačili in denarnimi nakazili, kot skrajni rok izvršitve določiti en dan.
Nevertheless, in order to enable the payee to verify that the amount due is correctly paid, subsequent information provided on the payment transaction should indicate not only the full amount of funds transferred, but also the amount of any charges that have been deducted.
Za vsa druga plačila, kot so plačila, ki jih je odredil prejemnik plačila ali so bila odrejena prek njega, vključno z direktnimi obremenitvami in plačili s karticami, bi se moral uporabljati enak enodnevni rok izvršitve, če ni izrecnega dogovora med ponudnikom plačilne storitve in plačnikom o daljšem roku izvršitve.
Low-value payment instruments should be a cheap and easy-to-use alternative in the case of low-priced goods and services and should not be overburdened by excessive requirements.
Če je plačilni nalog izdan na papirju, bi moralo biti omogočeno, da se navedena roka podaljšata za dodaten delovni dan, s čimer se omogoči neprekinjeno zagotavljanje plačilnih storitev tistim potrošnikom, ki so navajeni uporabljati le papirne dokumente.
The relevant information requirements and rules on their execution should therefore be limited to essential information, also taking into account the technical capabilities that can justifiably be expected from instruments dedicated to low-value payments.
Pri shemah direktnih obremenitev bi moral ponudnik plačilnih storitev prejemnika plačila posredovati nalog za direktno obremenitev v roku, o katerem se je dogovoril s prejemnikom plačila, tako da je poravnava mogoča na dogovorjeni dan zapadlosti.
Despite the lighter regime, payment service users should have adequate protection, having regard to the limited risks posed by those payment instruments, especially with regard to prepaid payment instruments.
Glede na to, da so plačilne infrastrukture pogosto zelo učinkovite in da bi preprečili poslabšanje sedanje kakovosti storitev, bi bilo treba državam članicam dovoliti, da po potrebi ohranijo ali določijo pravila, po katerih je čas izvršitve krajši od enega delovnega dne.
In order to improve the efficiency of payments throughout the Union, all payment orders initiated by the payer and denominated in euro or the currency of a Member State whose currency is not the euro, including credit transfers and money remittances, should be subject to a maximum 1-day execution time.
Določbe o izvršitvi za celotni znesek in o času izvršitve bi morale predstavljati dobro prakso, kadar se eden od ponudnikov plačilnih storitev ne nahaja v Uniji.
For all other payments, such as payments initiated by or through a payee, including direct debits and card payments, in the absence of an explicit agreement between the payment service provider and the payer setting a longer execution time, the same 1-day execution time should apply.
Zaradi večjega zaupanja potrošnikov v harmonizirani trg plačil je bistveno, da uporabniki plačilnih storitev poznajo realne stroške in nadomestila za plačilne storitve, da lahko izbirajo.
It should be possible to extend those periods by 1 additional business day, if a payment order is given on paper, to allow the continued provision of payment services to consumers who are used only to paper documents.
V skladu s tem bi morali prepovedati uporabo nepreglednih načinov oblikovanja cen, saj je splošno znano, da ti načini uporabnikom zelo otežujejo ugotavljanje realne cene plačilne storitve.
When a direct debit scheme is used the payee’s payment service provider should transmit the collection order within the time limits agreed between the payee and the payment service provider, enabling settlement on the agreed due date.
Uporaba datuma valute v škodo uporabnika ne bi smela biti dovoljena.
In view of the fact that payment infrastructures are often highly efficient and in order to prevent any deterioration in current service levels, Member States should be allowed to maintain or establish rules specifying an execution time shorter than 1 business day, where appropriate.
Za nemoteno in učinkovito delovanje plačilnega sistema je pomembno, da se lahko uporabnik zanese na ponudnika plačilnih storitev, da bo plačilno transakcijo izvršil pravilno in v dogovorjenem času.
The provisions on execution for the full amount and execution time should constitute good practice where one of the payment service providers is not located in the Union.
Navadno je ponudnik plačilnih storitev tisti, ki lahko oceni tveganja, povezana s plačilno transakcijo.
In order to strengthen the trust of consumers in a harmonised payment market, it is essential for payment service users to know the real costs and charges of payment services in order to make their choice.
Ponudnik plačilnih storitev je namreč tisti, ki zagotavlja plačilni sistem, pripravi ureditve za odpoklic napačno ali nepravilno dodeljenih sredstev in v večini primerov odloča o posrednikih, ki sodelujejo pri izvršitvi plačilne transakcije.
Accordingly, the use of non-transparent pricing methods should be prohibited, since it is commonly accepted that those methods make it extremely difficult for users to establish the real price of the payment service.
Glede na vse te okoliščine je primerno, da se, razen v neobičajnih in nepredvidljivih okoliščinah, odgovornost za izvrševanje plačilnih transakcij, ki jih sprejme od uporabnika, naloži ponudniku plačilnih storitev, razen za dejanja in opustitve ponudnika plačilnih storitev prejemnika plačila, za izbiro katerih je odgovoren le prejemnik plačila.
Specifically, the use of value dating to the disadvantage of the user should not be permitted.
Vendar, da pa plačnika ne bi pustili nezavarovanega v malo verjetnih situacijah, v katerih ni jasno, ali je ponudnik plačilnih storitev prejemnika plačila sploh prejel znesek plačila ali ne, bi moral dokazno breme nositi plačnikov ponudnik plačilnih storitev.
The smooth and efficient functioning of the payment system depends on the user being able to rely on the payment service provider executing the payment transaction correctly and within the agreed time.
Praviloma se lahko pričakuje, da bo posredniška institucija (običajno „nevtralen“ organ, kot je centralna banka ali klirinška hiša), ki prenese znesek plačila od ponudnika plačilnih storitev pošiljatelja na ponudnika plačilnih storitev prejemnika, shranila podatke o računu in jih bo po potrebi lahko ponovno priskrbela.
Usually, the payment service provider is in a position to assess the risks involved in the payment transaction.
Kadar je znesek plačila knjižen v dobro računa ponudnika plačilnih storitev prejemnika, bi moral imeti prejemnik plačila nemudoma možnost uveljavljanja zahtevka za dobropis zneska na svojem računu pri svojem ponudniku plačilnih storitev.
It is the payment service provider that provides the payments system, makes arrangements to recall misplaced or wrongly allocated funds and decides in most cases on the intermediaries involved in the execution of a payment transaction.
Ponudnik plačilnih storitev plačnika, naj si bo ponudnik plačilnih storitev, ki vodi račun, ali ponudnik storitev odreditve plačil, kadar je to primerno, bi moral prevzeti odgovornost za pravilno izvršitev plačila, vključno in predvsem za celotni znesek plačilne transakcije in čas izvršitve, ter polno odgovornost za morebitno neizpolnjevanje obveznosti drugih strank v plačilni verigi, vse do računa prejemnika plačila.
In view of all of those considerations, it is appropriate, except under abnormal and unforeseeable circumstances, to impose liability on the payment service provider in respect of the execution of a payment transaction accepted from the user, except in respect of acts and omissions by the payee’s payment service provider, who was selected solely by the payee.
Zaradi te odgovornosti bi moral plačnikov ponudnik plačilnih storitev v primeru, da celoten znesek ni bil knjižen v dobro ponudnika plačilnih storitev prejemnika plačila ali pa je bil knjižen z zamudo, popraviti plačilno transakcijo ali plačniku brez nepotrebnega odlašanja povrniti ustrezen znesek te transakcije brez poseganja v morebitne druge zahtevke v skladu z nacionalnim pravom.
However, in order not to leave the payer unprotected in the unlikely circumstances that it is not clear that the payment amount was duly received by the payee’s payment service provider, the corresponding burden of proof should lie on the payer’s payment service provider.
Plačnik ali prejemnik plačila zaradi odgovornosti ponudnika plačilnih storitev ne sme imeti nobenih stroškov, povezanih z nepravilnim plačilom.
As a rule, it can be expected that the intermediary institution, usually a neutral body such as a central bank or a clearing house, that transfers the payment amount from the sending to the receiving payment service provider, will store the account data and will be able to provide the latter where necessary.
Če plačilne transakcije niso izvršene pravočasno, če so izvršene neustrezno ali z zamudo, bi morale države članice zagotoviti, da je datum valute popravnih plačil ponudnikov plačilnih storitev vedno enak, kot bi bil datum valute pri pravilni izvršitvi.
Where the payment amount has been credited to the receiving payment service provider’s account, the payee should immediately have a claim against the payment service provider for credit to the account.
Ta direktiva bi se morala nanašati le na pogodbene obveznosti in odgovornosti med uporabnikom plačilnih storitev in ponudnikom plačilnih storitev.