natgillin/translations-raw huggingface dataset:
In situations where the payee steers the payer towards the use of a specific payment instrument, no charges should be requested by the payee from the payer for the use of payment instruments of which interchange fees are regulated within the scope of this Regulation, as in such situations the advantages of surcharging become limited while creating complexity in the market.
Kadar prejemnik plačila usmeri plačnika v uporabo določenega plačilnega instrumenta, prejemnik plačila ne bi smel plačniku zaračunati nobenih provizij za uporabo plačilnih instrumentov, katerih medbančne provizije ureja ta uredba, ker so prednosti zaračunavanja doplačil v takšnih primerih omejene in povečujejo zapletenost trga.
The ‘Honour all Cards’ rule is a twofold obligation imposed by issuers and payment card schemes for payees to accept all the cards of the same brand, irrespective of the different costs of these cards (the ‘Honour all Products’ element) and irrespective of the individual issuing bank which has issued the card (the ‘Honour all Issuers’ element).
Pravilo spoštovanja vseh kartic je dvojna obveznost, ki jo izdajatelji in sheme plačilnih kartic nalagajo prejemnikom plačila, in sicer da morajo sprejeti vse kartice iste blagovne znamke ne glede na različne stroške teh kartic (spoštovanje vseh produktov) ter ne glede na posamezno banko izdajateljico, ki je kartico izdala (spoštovanje vseh izdajateljev).
It is in the interest of the consumer that for the same category of cards the payees cannot discriminate between issuers or cardholders, and payment card schemes and payment service providers can impose such an obligation on them.
Potrošniku je v interesu, da prejemniki plačila v zvezi z isto kategorijo kartic ne morejo diskriminirati med izdajatelji ali imetniki kartic, sheme plačilnih kartic in ponudniki plačilnih storitev pa mu lahko naložijo takšno obveznost.
Therefore the ‘Honour all Issuers’ element of the ‘Honour all Cards’ rule is a justifiable rule within a payment card scheme, since it prevents payees from discriminating between individual banks which have issued a card.
Zato je „spoštovanje vseh izdajateljev“ kot del pravila spoštovanja vseh kartic upravičeno pravilo sheme plačilnih kartic, saj prejemnikom plačila preprečuje diskriminiranje med posameznimi bankami, ki so izdale kartico.
The ‘Honour all Products’ element is essentially a tying practice that has the effect of tying acceptance of low fee cards to the acceptance of high fee cards.
„Spoštovanje vseh produktov“ je pravzaprav praksa vezave, ki učinkuje tako, da sprejemanje kartic z nizkimi provizijami veže na sprejemanje kartic z visokimi provizijami.
A removal of the ‘Honour all Products’ element of the ‘Honour all Cards’ rule would allow merchants to limit the choice of payment cards they offer to low(er) cost payment cards only, which would also benefit consumers through reduced merchants' costs.
Odprava „spoštovanja vseh produktov“ kot dela pravila spoštovanja vseh kartic bi trgovcem omogočila omejitev izbire plačilnih kartic, ki jih ponujajo, le na plačilne kartice z nizkimi ali nižjimi stroški, kar bi bilo zaradi nižjih stroškov trgovcev ugodno tudi za potrošnike.
Merchants accepting debit cards would then not be forced to accept credit cards, and those accepting credit cards would not be forced to accept commercial cards.
Trgovci, ki sprejemajo debetne kartice, tako ne bi bili prisiljeni sprejemati kreditnih kartic, tisti, ki sprejemajo kreditne kartice, pa ne bi bili prisiljeni sprejemati komercialnih kartic.
However, to protect the consumer and the consumer's ability to use the payment cards as often as possible, merchants should be obliged to accept cards that are subject to the same regulated interchange fee only if issued within the same brand and of the same category (prepaid card, debit card or credit card).
Za zaščito potrošnika in njegove zmožnosti, da čim pogosteje uporablja plačilne kartice, pa bi bilo treba trgovcem naložiti obveznost, da sprejmejo kartice, za katere veljajo enake zakonsko določene medbančne provizije, samo če so te izdane pod enako blagovno znamko in so enake kategorije (predplačniška kartica, debetna kartica ali kreditna kartica).
Such a limitation would also result in a more competitive environment for cards with interchange fees not regulated under this Regulation, as merchants would gain more negotiating power as regards the conditions under which they accept such cards.
S takšno omejitvijo bi se zagotovilo tudi konkurenčnejše okolje za kartice, katerih medbančnih provizij ne ureja ta uredba, saj bi se povečala pogajalska moč trgovcev v zvezi s pogoji, pod katerimi sprejemajo te kartice.
Those restrictions should be limited and considered acceptable only to enhance consumers' protection, giving to the consumers an adequate level of certainty about the fact that their payment cards will be accepted by the merchants.
Te omejitve bi morale biti omejene in sprejemljive le zaradi okrepitve varstva potrošnikov, da bi bila potrošnikom zagotovljena ustrezna raven gotovosti glede tega, ali bodo trgovci sprejeli njihove plačilne kartice.
A clear distinction between consumer and commercial cards should be ensured by the payment service providers both on a technical and on a commercial basis.
Ponudniki plačilnih storitev bi morali tako s tehničnega kot komercialnega vidika zagotoviti jasno razlikovanje med potrošniškimi in komercialnimi karticami.
It is therefore important to define a commercial card as a payment instrument used only for business expenses charged directly to the account of the undertaking or public sector entity or the self-employed natural person.
Zato je pomembno, da se komercialna kartica opredeli kot plačilni instrument, ki se uporablja le za poslovne izdatke, s katerimi se bremeni neposredno račun podjetja ali osebe javnega sektorja ali samozaposlene fizične osebe.
Payees and payers should have the means to identify the different categories of cards.
Prejemnikom plačil in plačnikom bi bilo treba omogočiti, da lahko prepoznajo različne kategorije kartic.
Therefore, the various brands and categories should be identifiable electronically and for newly issued card-based payment instruments visibly on the device.
Zato bi morale biti različne blagovne znamke in kategorije prepoznavne elektronsko in za novo izdane kartične plačilne instrumente vidno na napravi.
In addition, the payer should be informed about the acceptance of the payer's payment instrument(s) at a given point of sale.
Poleg tega bi moral biti plačnik na zadevnem prodajnem mestu obveščen o sprejemanju svojega plačilnega instrumenta ali instrumentov.
It is necessary that any limitation on the use of a given brand be announced by the payee to the payer at the same time and under the same conditions as the information that a given brand is accepted.
Potrebno je, da prejemnik plačila plačnika obvesti o kakršnih koli omejitvah glede uporabe določene blagovne znamke ob enakem času in pod enakimi pogoji, kot ga obvesti o sprejemanju določene blagovne znamke.
In order to ensure that competition between brands is effective, it is important that the choice of payment application be made by users, not imposed by the upstream market, comprising payment card schemes, payment service providers or processors.
Zaradi zagotavljanja učinkovite konkurence med blagovnimi znamkami je pomembno, da uporabniki sami izberejo plačilno aplikacijo in da jim izbire ne vsiljuje nabavni trg, to so sheme plačilnih kartic oziroma ponudniki ali obdelovalci plačilnih storitev.
Such an arrangement should not prevent payers and payees from setting a default choice of application, where technically feasible, provided that that choice can be changed for each transaction.
Taka ureditev plačnikom in prejemnikom plačil ne bi smela preprečevati, da nastavijo samodejno izbiro aplikacije, če je to tehnično izvedljivo, pod pogojem, da je to izbiro mogoče spremeniti za vsako transakcijo.
In order to ensure that redress is possible where this Regulation has been incorrectly applied, or where disputes occur between payment services users and payment service providers, Member States should establish adequate and effective out-of-court complaint and redress procedures or take equivalent measures.
Da se zagotovi možnost povrnitve škode v primeru nepravilne uporabe te uredbe ali v primeru sporov med uporabniki in ponudniki plačilnih storitev, bi morale države članice določiti ustrezne in učinkovite izvensodne pritožbene postopke in postopke za izvensodno reševanje sporov ali sprejeti enakovredne ukrepe.
Member States should lay down rules on the penalties applicable to infringements of this Regulation and should ensure that those penalties are effective, proportionate and dissuasive and that they are applied.
Države članice bi morale določiti pravila o kaznih, ki se bodo uporabljale za kršitve te uredbe, ter zagotoviti, da bodo te kazni učinkovite, sorazmerne in odvračilne ter da se bodo izvajale.
The Commission should present a report studying various effects of this Regulation on the functioning of the market.
Komisija bi morala predložiti poročilo z analizo različnih učinkov te uredbe na delovanje trga.
It is necessary that the Commission has the possibility to collect the information required to establish this report and that the competent authorities cooperate closely with the Commission for the collection of data.
Pomembno je, da ima Komisija možnost zbirati informacije, potrebne za pripravo tega poročila, in da pristojni organi tesno sodelujejo s Komisijo za zbiranje podatkov.
Since the objectives of this Regulation to lay down uniform requirements for card-based payment transactions and internet and mobile payments based on cards cannot be sufficiently achieved by the Member States, but can rather, by reason of its scale, 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.
Ker ciljev te uredbe, in sicer določitve enotnih zahtev za kartične plačilne transakcije ter spletne in mobilne transakcije na podlagi kartic, države članice ne morejo zadovoljivo doseči, temveč se zaradi obsega lažje dosežejo na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe o Evropski uniji.
This Regulation complies with the fundamental rights and observes the principles recognised in particular by the Charter of Fundamental Rights of the European Union, notably the right to an effective remedy or to a fair trial, the freedom to conduct a business, consumer protection and has to be applied in accordance with those rights and principles,
Ta uredba spoštuje temeljne pravice in upošteva načela, priznana zlasti z Listino Evropske unije o temeljnih pravicah, predvsem pravico do učinkovitega pravnega sredstva in poštenega sojenja, svobodo gospodarske pobude in varstvo potrošnikov, ter jo je treba uporabljati v skladu z navedenimi pravicami in načeli –
This Regulation lays down uniform technical and business requirements for card-based payment transactions carried out within the Union, where both the payer's payment service provider and the payee's payment service provider are located therein.
Ta uredba določa enotne tehnične in poslovne zahteve za kartične plačilne transakcije, izvedene v Uniji, pri čemer se ponudnik plačilnih storitev plačnika in ponudnik plačilnih storitev prejemnika plačila nahajata v Uniji.
This Regulation does not apply to services based on specific payment instruments that can be used only in a limited way, that meet one of the following conditions:
Ta uredba se ne uporablja za storitve, ki temeljijo na posebnih plačilnih instrumentih, katerih uporaba je omejena in ki izpolnjujejo enega od naslednjih pogojev:
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;
instrumenti, ki imetniku omogočajo nakup blaga ali storitev samo v prostorih izdajatelja ali v okviru omejene mreže ponudnikov storitev na podlagi neposrednega poslovnega dogovora s poklicnim izdajateljem;
instruments which can be used only to acquire a very limited range of goods or services;
instrumenti, ki jih je mogoče uporabljati samo za nakup zelo omejenega izbora blaga ali storitev;
instruments valid only in a single Member State provided at the request of an undertaking or a public sector entity and regulated by a national or regional public authority for specific social or tax purposes to acquire specific goods or services from suppliers having a commercial agreement with the issuer.
instrumenti, ki so veljavni samo v eni državi članici, izdani na zahtevo podjetja ali osebe javnega sektorja, ki jih regulira 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.
Chapter II does not apply to the following:
Poglavje II se ne uporablja za:
transactions with commercial cards;
transakcije s komercialnimi karticami;
cash withdrawals at automatic teller machines or at the counter of a payment service provider; and
dvige gotovine na bankomatih ali na okencu ponudnika plačilnih storitev, in
transactions with payment cards issued by three party payment card schemes.
transakcije s plačilnimi karticami, ki jih izdajajo tristranske sheme plačilnih kartic.
Article 7 does not apply to three party payment card schemes.
Člen 7 se ne uporablja za tristranske sheme plačilnih kartic.
When a three party payment card scheme licenses other payment service providers for the issuance of card-based payment instruments or the acquiring of card-based payment transactions, or both, or issues card-based payment instruments with a co-branding partner or through an agent, it is considered to be a four party payment card scheme.
Če tristranska shema plačilnih kartic podeljuje licenco drugim ponudnikom plačilnih storitev za izdajanje kartičnih plačilnih instrumentov ali pridobivanje kartičnih plačilnih transakcij, ali za oboje, ali izdaja kartične plačilne instrumente s partnerjem, ki souporablja blagovno znamko, ali prek posrednika, se šteje za štiristransko shemo plačilnih kartic.
However, until 9 December 2018 in relation to domestic payment transactions, such a three party payment card scheme may be exempted from the obligations under Chapter II, provided that the card-based payment transactions made in a Member State under such a three party payment card scheme do not exceed on a yearly basis 3 % of the value of all card-based payment transactions made in that Member State.
Vendar se lahko do 9. decembra 2018 v razmerju do domačih plačilnih transakcij takšna tristranska shema plačilnih kartic izvzame iz obveznosti iz poglavja II, če kartične plačilne transakcije, izvršene v državi članici v okviru takšne tristranske sheme plačilnih kartic, na letni osnovi ne presežejo 3 % vrednosti vseh kartičnih plačilnih transakcij, izvršenih v tej državi članici.
‘acquirer’ means a payment service provider contracting with a payee to accept and process card-based payment transactions, which result in a transfer of funds to the payee;
„pridobitelj“ pomeni ponudnika plačilnih storitev, ki je v pogodbenem razmerju s prejemnikom plačila z namenom sprejemati in obdelovati kartične plačilne transakcije, posledica česar je prenos sredstev prejemniku plačila;
‘issuer’ means a payment service provider contracting to provide a payer with a payment instrument to initiate and process the payer's card-based payment transactions;
„izdajatelj“ pomeni ponudnika plačilnih storitev, ki je v pogodbenem razmerju, da bi plačniku zagotovil plačilni instrument, s katerim se odrejajo in obdelujejo kartične plačilne transakcije plačnika;
‘consumer’ means a natural person who, in payment service contracts covered by this Regulation, is acting for purposes other than the trade, business or profession of that person;
„potrošnik“ pomeni fizično osebo, ki pri pogodbah o plačilnih storitvah, ki jih zajema ta uredba, deluje zunaj področja svoje trgovske, poslovne ali poklicne dejavnosti;
‘debit card transaction’ means a card-based payment transaction, including those with prepaid cards that is not a credit card transaction;
„transakcija z debetno kartico“ pomeni kartično plačilno transakcijo, tudi s predplačniškimi karticami, ki ni transakcija s kreditno kartico;
‘credit card transaction’ means a card-based payment transaction where the amount of the transaction is debited in full or in part at a pre agreed specific calendar month date to the payer, in line with a prearranged credit facility, with or without interest;
„transakcija s kreditno kartico“ pomeni kartično plačilno transakcijo, kjer znesek transakcije na določen predhodno dogovorjen datum v koledarskem mesecu v celoti ali deloma bremeni plačnika v skladu s predhodno dogovorjeno kreditno storitvijo, z obrestmi ali brez njih;
‘commercial card’ means any card-based payment instrument issued to undertakings or public sector entities or self-employed natural persons which is limited in use for business expenses where the payments made with such cards are charged directly to the account of the undertaking or public sector entity or self-employed natural person;
„komercialna kartica“ pomeni kakršen koli kartični plačilni instrument, izdan podjetjem ali osebam javnega sektorja ali samozaposlenim fizičnim osebam, ki se lahko uporablja samo za poslovne izdatke, kjer plačila, izvršena s takšnimi karticami, neposredno bremenijo račun podjetja ali osebe javnega sektorja ali samozaposlene fizične osebe;
‘card-based payment transaction’ means a service based on a payment card scheme's infrastructure and business rules to make a payment transaction by means of any card, telecommunication, digital or IT device or software if this results in a debit or a credit card transaction.
„kartična plačilna transakcija“ pomeni storitev, opravljeno na podlagi infrastrukture sheme plačilnih kartic in poslovnih pravil za izvedbo plačilne transakcije s kakršno koli kartico oziroma telekomunikacijsko, digitalno ali IT napravo ali programsko opremo, če je posledica tega transakcija z debetno ali kreditno kartico.
Card-based payment transactions exclude transactions based on other kinds of payment services;
Kartične plačilne transakcije izključujejo transakcije, ki temeljijo na drugih vrstah plačilnih storitev;
‘cross-border payment transaction’ means a card-based payment transaction where the issuer and the acquirer are located in different Member States or where the card-based payment instrument is issued by an issuer located in a Member State different from that of the point of sale;
„čezmejna plačilna transakcija“ pomeni kartično plačilno transakcijo, kjer se izdajatelj in pridobitelj nahajata v različnih državah članicah ali kjer je kartični plačilni instrument izdal izdajatelj, ki se nahaja v drugi državi članici kot prodajno mesto;
‘domestic payment transaction’ means any card-based payment transaction which is not a cross-border payment transaction;
„domača plačilna transakcija“ pomeni vsako kartično plačilno transakcijo, ki ni čezmejna plačilna transakcija;
‘interchange fee’ means a fee paid for each transaction directly or indirectly (i.e. through a third party) between the issuer and the acquirer involved in a card-based payment transaction.
„medbančna provizija“ pomeni provizijo, ki je za vsako transakcijo neposredno ali posredno (to je prek tretje strani) poravnana med izdajateljem in pridobiteljem, ki sodelujeta pri kartični plačilni transakciji.
The net compensation or other agreed remuneration is considered to be part of the interchange fee;
Neto plačilo ali drugo dogovorjeno nadomestilo se šteje za del medbančne provizije;
‘net compensation’ means the total net amount of payments, rebates or incentives received by an issuer from the payment card scheme, the acquirer or any other intermediary in relation to card-based payment transactions or related activities;
„neto plačilo“ pomeni celoten neto znesek plačil, popustov ali spodbud, ki jih izdajatelj prejme od sheme plačilnih kartic, pridobitelja ali katerega koli drugega posrednika v zvezi s kartičnimi plačilnimi transakcijami ali povezanimi dejavnostmi;
‘merchant service charge’ means a fee paid by the payee to the acquirer in relation to card-based payment transactions;
„provizija, ki se zaračuna trgovcu“ pomeni provizijo, ki jo prejemnik plačila plača pridobitelju v zvezi s kartičnimi plačilnimi transakcijami;
‘payer’ means a natural or legal person who holds a payment account and allows a payment order from that payment account, or, where there is no payment account, a natural or legal person who gives a payment order;
„plačnik“ pomeni fizično ali pravno osebo, ki je imetnik plačilnega računa in odredi plačilni nalog v breme tega plačilnega računa, ali, če plačilni račun ne obstaja, fizično ali pravno osebo, ki izda plačilni nalog;
‘payment card’ means a category of payment instrument that enables the payer to initiate a debit or credit card transaction;
„plačilna kartica“ pomeni kategorijo plačilnega instrumenta, ki omogoča plačniku, da odredi transakcijo z debetno ali kreditno kartico;
‘payment card scheme’ means a single set of rules, practices, standards and/or implementation guidelines for the execution of card-based payment transactions and which is separated from any infrastructure or payment system that supports its operation, and includes any specific decision-making body, organisation or entity accountable for the functioning of the scheme;
„shema plačilnih kartic“ pomeni enoten sklop pravil, praks, standardov in/ali izvedbenih smernic za izvrševanje kartičnih plačilnih transakcij, ki je ločen od kakršne koli infrastrukture ali plačilnega sistema, ki podpira njeno delovanje, in v katero je vključen kateri koli posebni organ odločanja, organizacija ali subjekt, odgovoren za delovanje sheme;
‘four party payment card scheme’ means a payment card scheme in which card-based payment transactions are made from the payment account of a payer to the payment account of a payee through the intermediation of the scheme, an issuer (on the payer's side) and an acquirer (on the payee's side);
„štiristranska shema plačilnih kartic“ pomeni shemo plačilnih kartic, v okviru katere so kartične plačilne transakcije izvršene s plačilnega računa plačnika na plačilni račun prejemnika plačila na podlagi posredovanja sheme, izdajatelja (na strani plačnika) in pridobitelja (na strani prejemnika plačila);
‘three party payment card scheme’ means a payment card scheme in which the scheme itself provides acquiring and issuing services and card-based payment transactions are made from the payment account of a payer to the payment account of a payee within the scheme.
„tristranska shema plačilnih kartic“ pomeni shemo plačilnih kartic, pri kateri sama shema zagotavlja storitve pridobivanja in izdajanja, kartične plačilne transakcije pa so izvršene s plačilnega računa plačnika na plačilni račun prejemnika plačila v shemi.
When a three party payment card scheme licenses other payment service providers for the issuance of card-based payment instruments or the acquiring of card-based payment transactions, or both, or issues card-based payment instruments with a co-branding partner or through an agent, it is considered to be a four party payment card scheme;
Če tristranska shema plačilnih kartic podeljuje licenco drugim ponudnikom plačilnih storitev za izdajanje kartičnih plačilnih instrumentov ali pridobivanje kartičnih plačilnih transakcij, ali za oboje, ali izdaja kartične plačilne instrumente s partnerjem, ki souporablja blagovno znamko, ali prek posrednika, se šteje za štiristransko shemo plačilnih kartic;
‘payment instrument’ means any personalised device(s) and/or set of procedures agreed between the payment service user and the payment service provider and used in order to initiate a payment order;
„plačilni instrument“ pomeni vsako napravo oziroma naprave, prilagojene posamezniku, in/ali niz postopkov, dogovorjenih med uporabnikom plačilnih storitev in ponudnikom plačilnih storitev, ki se uporablja za odreditev plačilnega naloga;