natgillin/translations-raw huggingface dataset:
Appropriate procedures should therefore be established by means of which it will be possible to pursue complaints against payment service providers which do not comply with those provisions and to ensure that, where appropriate, effective, proportionate and dissuasive penalties are imposed.
Ta direktiva ne bi smela posegati v določbe v zvezi z obravnavo DDV za plačilne storitve iz Direktive Sveta 2006/112/ES [25].
In view of ensuring effective compliance with this Directive, Member States should designate competent authorities which meet the conditions laid down in Regulation (EU) No 1093/2010 and which act independently from the payment service providers.
Kadar so v tej direktivi sklici na zneske v eurih, se za države članice, katerih valuta ni euro, ti zneski nanašajo na enakovreden znesek v nacionalni valuti, kot ga določi ta država članica.
For reasons of transparency, Member States should notify the Commission which authorities have been designated, with a clear description of their duties pursuant to this Directive.
Zaradi pravne varnosti je primerno, da se sprejmejo prehodne ureditve, v skladu s katerimi lahko osebe, ki so začele opravljati dejavnosti plačilnih institucij v skladu z nacionalnim pravom za prenos Direktive 2007/64/ES pred začetkom veljavnosti te direktive, v določenem obdobju še naprej opravljajo navedene dejavnosti v zadevnih državah članicah.
Without prejudice to the right to bring action in the courts to ensure compliance with this Directive, Member States should also ensure that competent authorities are granted the necessary power, including the power to impose penalties, where the payment service provider does not comply with the rights and obligations laid down in this Directive, in particular if there is a risk of re-offending or another concern for collective consumer interests.
V skladu s členom 290 Pogodbe o delovanju Evropske unije bi se moralo na Komisijo prenesti pooblastilo za sprejetje aktov v zvezi s prilagoditvijo sklicevanja na Priporočilo 2003/361/ES, če se to priporočilo spremeni, in v zvezi s posodobitvijo povprečnega zneska plačilnih transakcij, ki jih izvrši ponudnik plačilnih storitev, ki se uporablja kot mejni znesek za države članice, v katerih se uporablja možnost izjeme od (delov) zahtev za izdajo dovoljenja za manjše plačilne institucije, da se upošteva inflacija.
It is important that consumers be informed in a clear and comprehensible way of their rights and obligations under this Directive.
Zlasti je pomembno, da se Komisija pri svojem pripravljalnem delu ustrezno posvetuje, vključno na ravni strokovnjakov.
The Commission should therefore produce a leaflet about those rights and obligations.
Komisija bi morala pri pripravi in oblikovanju delegiranih aktov zagotoviti, da se zadevni dokumenti posredujejo Evropskemu parlamentu in Svetu sočasno, pravočasno in na ustrezen način.
This Directive is without prejudice to provisions of national law relating to the consequences as regards liability of inaccuracy in the expression or transmission of a statement.
Zaradi zagotavljanja dosledne uporabe te direktive bi morala imeti Komisija možnost, da se zanese na strokovno znanje in podporo EBA, ki bi moral imeti nalogo, da pripravi smernice in osnutke regulativnih tehničnih standardov o varnostnih vidikih pri plačilnih storitvah, zlasti v zvezi z močno avtentikacijo strank, ter o sodelovanju med državami članicami v okviru opravljanja storitev in ustanavljanja plačilnih institucij, ki so pridobile dovoljenje, v drugih državah članicah.
This Directive should be without prejudice to the provisions relating to the VAT treatment of payment services in Council Directive 2006/112/EC [25].
Komisija bi morala imeti pooblastila za sprejetje navedenih osnutkov regulativnih tehničnih standardov.
Where this Directive makes reference to amounts in euro, these amounts have to be intended as the national currency equivalent as determined by each non-euro Member State.
Te posebne naloge so v celoti v skladu z vlogo in pristojnostmi EBA, kot so določene v Uredbi (EU) št. 1093/2010.
In the interests of legal certainty, it is appropriate to make transitional arrangements allowing persons who have commenced the activities of payment institutions in accordance with the national law transposing Directive 2007/64/EC before the entry into force of this Directive to continue those activities within the Member State concerned for a specified period.
EBA bi moral pri pripravi smernic, osnutkov regulativnih tehničnih standardov in osnutkov izvedbenih tehničnih standardov na podlagi te direktive in v skladu z Uredbo (EU) št. 1093/2010 zagotoviti, da se posvetuje z vsemi zadevnimi deležniki, tudi na trgu plačilnih storitev, in tako upošteva vse zadevne interese.
The power to adopt acts in accordance with Article 290 of the Treaty on the Functioning of the European Union should be delegated to the Commission in respect of adapting the reference to Recommendation 2003/361/EC where that Recommendation is amended and updating the average amount of payment transactions executed by the payment service provider used as a threshold for Member States that apply the option to exempt (parts) of the authorisation requirements for smaller payment institutions to take account of inflation.
Če je to potrebno zaradi ustrezne uravnoteženosti mnenj, bi si moral EBA posebej prizadevati, da pridobi mnenja zadevnih nebančnih akterjev.
It is of particular importance that the Commission carries out appropriate consultations during its preparatory work, including at expert level.
Ker cilja te direktive, in sicer nadaljnje integracije notranjega trga plačilnih storitev, države članice ne morejo zadovoljivo doseči, saj zahteva harmonizacijo številnih različnih pravil, ki trenutno obstajajo v pravnih sistemih različnih držav članic, temveč se zaradi obsega in učinkov lažje doseže na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe o Evropski uniji.
The Commission, when preparing and drawing up delegated acts, should ensure a simultaneous, timely and appropriate transmission of relevant documents to the European Parliament and to the Council.
V skladu z načelom sorazmernosti iz navedenega člena ta direktiva ne presega tistega, kar je potrebno za doseganje navedenega cilja.
In order to ensure consistent application of this Directive, the Commission should be able to rely on the expertise and support of EBA, which should have the task of elaborating guidelines and preparing draft regulatory technical standards on security aspects of payment services in particular with regard to strong customer authentication, and on cooperation between Member States in the context of the provision of services and establishment of authorised payment institutions in other Member States.
V skladu s skupno politično izjavo z dne 28. septembra 2011 držav članic in Komisije o obrazložitvenih dokumentih [26] se države članice zavezujejo, da bodo v upravičenih primerih obvestilu o ukrepih za prenos priložile en ali več dokumentov, v katerih se pojasni razmerje med sestavnimi elementi direktive in ustrezajočimi deli nacionalnih instrumentov za prenos.
The Commission should be empowered to adopt those draft regulatory technical standards.
Zakonodajalec meni, da je posredovanje takih dokumentov v primeru te direktive upravičeno.
Those specific tasks are fully in line with the role and responsibilities of EBA as provided in Regulation (EU) No 1093/2010.
Opravljeno je bilo posvetovanje z Evropskim nadzornikom za varstvo podatkov v skladu s členom 28(2) Uredbe (ES) št. 45/2001, ki je svoje mnenje podal 5. decembra 2013 [27].
EBA should, when developing guidelines, draft regulatory technical standards and draft implementing technical standards pursuant to this Directive and in accordance with Regulation (EU) No 1093/2010, ensure that it consults all relevant stakeholders, including those in the payment services market, reflecting all interests involved.
Direktive 2002/65/ES, 2009/110/ES in 2013/36/EU ter Uredbo (EU) št. 1093/2010 bi bilo treba ustrezno spremeniti.
If necessary for getting a proper balance of views, EBA should make a particular effort to obtain the views of relevant non-bank actors.
Zaradi števila sprememb, ki jih je treba vnesti v Direktivo 2007/64/ES, jo je primerno razveljaviti in nadomestiti –
Since the objective of this Directive, namely the further integration of an internal market in payment services, cannot be sufficiently achieved by the Member States because it requires the harmonisation of a multitude of different rules currently existing in the legal systems of the various Member States but can rather, because of its scale and effects, be better achieved at Union level, the Union may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty on European Union.
SPREJELA NASLEDNJO DIREKTIVO:
In accordance with the principle of proportionality, as set out in that Article, this Directive does not go beyond what is necessary in order to achieve that objective.
NASLOV I
In accordance with the Joint Political Declaration of 28 September 2011 of Member States and the Commission on explanatory documents [26], Member States have undertaken to accompany, in justified cases, the notification of their transposition measures with one or more documents explaining the relationship between the components of a Directive and the corresponding parts of national transposition instruments.
PREDMET UREJANJA, PODROČJE UPORABE IN OPREDELITEV POJMOV
With regard to this Directive, the legislator considers the transmission of such documents to be justified.
Člen 1
The European Data Protection Supervisor was consulted in accordance with Article 28(2) of Regulation (EC) No 45/2001 and delivered an opinion on 5 December 2013 [27].
Predmet urejanja
Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010 should therefore be amended accordingly.
Ta direktiva določa pravila, v skladu s katerimi države članice razlikujejo naslednje kategorije ponudnikov plačilnih storitev:
Given the number of changes that need to be made to Directive 2007/64/EC it is appropriate to repeal and replace it,
kreditne institucije, kakor so opredeljene v točki (1) člena 4(1) Uredbe (EU) št. 575/2013 Evropskega parlamenta in Sveta [28], vključno s podružnicami teh institucij v smislu točke (17) člena 4(1) navedene uredbe, kadar se takšne podružnice nahajajo v Uniji, ne glede na to ali je glavni sedež teh podružnic v Uniji ali pa je v skladu s členom 47 Direktive 2013/36/EU in nacionalnim pravom zunaj Unije;
HAVE ADOPTED THIS DIRECTIVE:
institucije za izdajo elektronskega denarja v smislu točke (1) člena 2 Direktive 2009/110/ES, vključno s podružnicami teh institucij, v skladu s členom 8 navedene direktive in nacionalnim pravom, kadar se takšne podružnice nahajajo v Uniji, njihov glavni sedež pa je zunaj Unije, v kolikor so plačilne storitve, ki jih opravljajo te podružnice, povezane z izdajo elektronskega denarja;
TITLE I
poštne institucije, ki imajo na podlagi nacionalnega prava pravico opravljati plačilne storitve;
SUBJECT MATTER, SCOPE AND DEFINITIONS
plačilne institucije;
Article 1
ECB in nacionalne centralne banke, kadar ne delujejo kot monetarni organ ali drugi javni organi;
Subject matter
države članice ali njihovi regionalni ali lokalni organi, kadar ne delujejo kot javni organi.
This Directive establishes the rules in accordance with which Member States shall distinguish between the following categories of payment service provider:
Ta direktiva določa tudi pravila glede:
credit institutions as defined in point (1) of Article 4(1) of Regulation (EU) No 575/2013 of the European Parliament and of the Council [28], including branches thereof within the meaning of point (17) Article 4(1) of that Regulation where such branches are located in the Union, whether the head offices of those branches are located within the Union or, in accordance with Article 47 of Directive 2013/36/EU and with national law, outside the Union;
preglednosti pogojev in zahteve o informacijah v zvezi s plačilnimi storitvami ter
electronic money institutions within the meaning of point (1) of Article 2 of Directive 2009/110/EC, including, in accordance with Article 8 of that Directive and with national law, branches thereof, where such branches are located within the Union and their head offices are located outside the Union, in as far as the payment services provided by those branches are linked to the issuance of electronic money;
pravic in obveznosti uporabnikov plačilnih storitev ter ponudnikov plačilnih storitev v zvezi z opravljanjem plačilnih storitev kot redne zaposlitve ali poslovne dejavnosti.
post office giro institutions which are entitled under national law to provide payment services;
Člen 2
payment institutions;
Področje uporabe
the ECB and national central banks when not acting in their capacity as monetary authority or other public authorities;
Ta direktiva se uporablja za plačilne storitve, ki se opravljajo v Uniji.
Member States or their regional or local authorities when not acting in their capacity as public authorities.
Naslova III in IV se uporabljata za plačilne transakcije v valuti države članice, kadar se tako ponudnik plačilnih storitev plačnika kot ponudnik plačilnih storitev prejemnika plačila, ali edini ponudnik plačilnih storitev v okviru plačilne transakcije, nahajajo v Uniji.
This Directive also establishes rules concerning:
Naslov III, razen točke (b) člena 45(1), točke (e) člena 52(2) in točke (a) člena 56, ter naslov IV, razen členov 81 do 86, se uporabljata za plačilne transakcije v valuti, ki ni valuta države članice, kadar se tako ponudnik plačilnih storitev plačnika kot ponudnik plačilnih storitev prejemnika plačila ali edini ponudnik plačilnih storitev v okviru plačilne transakcije nahajajo v Uniji, in sicer v zvezi s tistimi deli plačilne transakcije, ki se izvršijo v Uniji.
the transparency of conditions and information requirements for payment services; and
Naslov III, razen točke (b) člena 45(1), točke (e) člena 52(2), točke (g) člena 52(5) in točke (a) člena 56, ter naslov IV, razen člena 62(2) in (4), členov 76, 77, 81, 83(1), 89 in 92, se uporabljata za plačilne transakcije v vseh valutah, kadar se le eden od ponudnikov plačilnih storitev nahaja v Uniji, in sicer v zvezi s tistimi deli plačilne transakcije, ki se izvršijo v Uniji.
the respective rights and obligations of payment service users and payment service providers in relation to the provision of payment services as a regular occupation or business activity.
Države članice lahko izvzamejo institucije iz točk (4) do (23) člena 2(5) Direktive 2013/36/EU od uporabe vseh ali nekaterih določb iz te direktive..
Scope
Izvzetja
This Directive applies to payment services provided within the Union.
Ta direktiva se ne uporablja za:
Titles III and IV apply to payment transactions in the currency of a Member State where both the payer’s payment service provider and the payee’s payment service provider are, or the sole payment service provider in the payment transaction is, located within the Union.
plačilne transakcije, izvršene izključno v gotovini neposredno od plačnika do prejemnika plačila in brez posredovanja posrednika;
Title III, except for point (b) of Article 45(1), point (2)(e) of Article 52 and point (a) of Article 56, and Title IV, except for Articles 81 to 86, apply to payment transactions in a currency that is not the currency of a Member State where both the payer’s payment service provider and the payee’s payment service provider are, or the sole payment service provider in the payment transaction is, located within the Union, in respect to those parts of the payments transaction which are carried out in the Union.
plačilne transakcije od plačnika do prejemnika plačila s posredovanjem zastopnika, ki je s pogodbo pooblaščen, da se pogaja ali dogovori o prodaji ali nakupu blaga oziroma storitev le v imenu plačnika ali le v imenu prejemnika plačila;
Title III, except for point (b) of Article 45(1), point (2)(e) of Article 52, point (5)(g) of Article 52 and point (a) of Article 56, and Title IV, except for Article 62(2) and (4), Articles 76, 77, 81, 83(1), 89 and 92, apply to payment transactions in all currencies where only one of the payment service providers is located within the Union, in respect to those parts of the payments transaction which are carried out in the Union.
poklicni fizični prevoz bankovcev in kovancev, vključno z njihovim zbiranjem, obdelavo in dostavo;
Member States may exempt institutions referred to in points (4) to (23) of Article 2(5) of Directive 2013/36/EU from the application of all or part of the provisions of this Directive.
plačilne transakcije nepoklicnega zbiranja in dostave gotovine v okviru nepridobitne ali dobrodelne dejavnosti;
Article 3
storitve, s katerimi prejemnik plačila posreduje plačniku gotovino kot del plačilne transakcije na izrecno zahtevo uporabnika plačilnih storitev tik pred izvršitvijo plačilne transakcije v obliki plačila za nakup blaga ali storitev;
Exclusions
dejavnosti menjave valute „gotovina za gotovino“, pri čemer se sredstva ne hranijo na plačilnem računu;
This Directive does not apply to the following:
plačilne transakcije na podlagi enega od naslednjih dokumentov, ki so izdani na ponudnika plačilnih storitev, z namenom dati sredstva na razpolago prejemniku plačila:
payment transactions made exclusively in cash directly from the payer to the payee, without any intermediary intervention;
papirnih čekov, ki jih ureja Ženevska konvencija z dne 19. marca 1931, ki zagotavlja enotne zakone za čeke;
payment transactions from the payer to the payee through a commercial agent authorised via an agreement to negotiate or conclude the sale or purchase of goods or services on behalf of only the payer or only the payee;
papirnih čekov, podobnih tistim iz točke (i), ki jih ureja zakonodaja držav članic, ki niso članice Ženevske konvencije z dne 19. marca 1931, ki zagotavlja enotne zakone za čeke;
professional physical transport of banknotes and coins, including their collection, processing and delivery;
papirnih menic in zadolžnic v skladu z Ženevsko konvencijo z dne 7. junija 1930, ki zagotavlja enotne zakone o menicah in zadolžnicah;
payment transactions consisting of the non-professional cash collection and delivery within the framework of a non-profit or charitable activity;
papirnih menic in zadolžnic, podobnih tistim iz točke (iii), ki jih ureja zakonodaja držav članic, ki niso članice Ženevske konvencije z dne 7. junija 1930, ki zagotavlja enotne zakone za menice in zadolžnice;
services where cash is provided by the payee to the payer as part of a payment transaction following an explicit request by the payment service user just before the execution of the payment transaction through a payment for the purchase of goods or services;
papirnih potrdil;
cash-to-cash currency exchange operations where the funds are not held on a payment account;
papirnih potovalnih čekov;
payment transactions based on any of the following documents drawn on the payment service provider with a view to placing funds at the disposal of the payee:
papirnih poštnih nakaznic, kot jih je opredelila Svetovna poštna zveza;
paper cheques governed by the Geneva Convention of 19 March 1931 providing a uniform law for cheques;
plačilne transakcije, izvršene v okviru plačilnega sistema ali sistema poravnave vrednostnih papirjev med posredniki za poravnavo, centralnimi nasprotnimi strankami, klirinškimi hišami in/ali centralnimi bankami in drugimi udeleženci v sistemu ter ponudniki plačilnih storitev, brez poseganja v člen 35;
paper cheques similar to those referred to in point (i) and governed by the laws of Member States which are not party to the Geneva Convention of 19 March 1931 providing a uniform law for cheques;
plačilne transakcije v zvezi s servisiranjem vrednostnih papirjev, vključno z dividendami, delitvami prihodkov ali drugimi delitvami, ali odkupom oziroma prodajo, ki jih izvedejo osebe iz točke (h) ali investicijske družbe, kreditne institucije, kolektivna naložbena podjetja ali družbe za upravljanje premoženja, ki opravljajo investicijske storitve, in vsi drugi subjekti, ki lahko hranijo finančne instrumente;
paper-based drafts in accordance with the Geneva Convention of 7 June 1930 providing a uniform law for bills of exchange and promissory notes;
storitve, ki jih ponujajo ponudniki tehničnih storitev, ki podpirajo opravljanje plačilnih storitev, ne da bi v katerem koli trenutku imeli v lasti sredstva, ki se prenašajo, vključno z obdelavo in shranjevanjem podatkov, storitvami za varovanje zaupanja in zasebnosti, avtentikacijo podatkov in subjektov, zagotavljanjem informacijske tehnologije (IT) in komunikacijske mreže, zagotavljanjem in vzdrževanjem terminalov in naprav, ki se uporabljajo za plačilne storitve, razen storitve odreditve plačil in storitve zagotavljanja informacij o računih;
paper-based drafts similar to those referred to in point (iii) and governed by the laws of Member States which are not party to the Geneva Convention of 7 June 1930 providing a uniform law for bills of exchange and promissory notes;
storitve, ki temeljijo na posebnih plačilnih instrumentih, katerih načini uporabe so omejeni in ki izpolnjujejo enega od naslednjih pogojev:
paper-based vouchers;
instrumenti, ki imetniku omogočajo nakup blaga ali storitev le v prostorih izdajatelja ali v okviru omejene mreže ponudnikov storitev na podlagi neposrednega poslovnega sporazuma s poklicnim izdajateljem;
paper-based traveller’s cheques;
instrumenti, ki jih je mogoče uporabljati le za nakup zelo omejenega izbora blaga ali storitev;
paper-based postal money orders as defined by the Universal Postal Union;
instrumenti, veljavni le v eni državi članici, ki se zagotavljajo na zahtevo podjetja ali organa javnega sektorja in jih ureja nacionalni ali regionalni javni organ za posebne socialne ali davčne namene za nakup posebnega blaga ali storitev od ponudnikov, ki so sklenili poslovni dogovor z izdajateljem;
payment transactions carried out within a payment or securities settlement system between settlement agents, central counterparties, clearing houses and/or central banks and other participants of the system, and payment service providers, without prejudice to Article 35;
plačilne transakcije, ki jih ponudnik elektronskih komunikacijskih omrežij ali storitev zagotavlja poleg elektronskih komunikacijskih storitev za naročnika omrežja ali storitve:
payment transactions related to securities asset servicing, including dividends, income or other distributions, or redemption or sale, carried out by persons referred to in point (h) or by investment firms, credit institutions, collective investment undertakings or asset management companies providing investment services and any other entities allowed to have the custody of financial instruments;
za nakup digitalne vsebine in glasovnih storitev, ne glede na napravo, uporabljeno za nakup ali uporabo digitalne vsebine, in zaračunan na ustreznem računu, ali
services provided by technical service providers, which support the provision of payment services, without them entering at any time into possession of the funds to be transferred, including processing and storage of data, trust and privacy protection services, data and entity authentication, information technology (IT) and communication network provision, provision and maintenance of terminals and devices used for payment services, with the exclusion of payment initiation services and account information services;
opravljene z elektronsko napravo ali prek nje in zaračunane na ustreznem računu v okviru dobrodelne dejavnosti ali za nakup kart;
services based on specific payment instruments that can be used only in a limited way, that meet one of the following conditions:
če vrednost posamezne plačilne transakcije iz navedenih točk (i) in (ii) ne presega 50 EUR in:
instruments allowing the holder to acquire goods or services only in the premises of the issuer or within a limited network of service providers under direct commercial agreement with a professional issuer;
skupna vrednost plačilnih transakcij za posameznega naročnika ne presega 300 EUR na mesec ali