natgillin/translations-raw huggingface dataset:
>It will be possible to offer innovative ser vices to consumers irrespective of national borders . The long-term g o a l o f t h e b a n k i n g i n d u s t r y i s f o r S E PA p ay m e n t instruments to be used only in electronic form .
> ZA T R G OVC E Plačilne kartice so med potrošniki vse bolj priljubljene in hitro nadomeščajo čeke in gotovino . Po pričakovanjih bo njihova uporaba zato naraščala .
Payments can then be easily combined with value-added services ( i.e. ser vices designed to make the payment process before and after settlement of a payment simpler for the consumer and businesses ) . These include e-invoicing , mobile or internet payment initiation , e-tickets for airlines and e-reconciliation .
Za sprejemanje kartičnih plačil morajo trgovci skleniti sporazum z banko pridobiteljico , ki kartična plačila zanje obdela tako , da uredi podatke o plačilu in imetniku kartice ter jih prek klirinške infrastrukture posreduje banki imetnika kartice . Na tem področju SEPA nudi naslednje prednosti .
In the SEPA environment , merchants will be able to choose any acquirer in the euro area to process their card payments ;
V okolju SEPA bodo trgovci za obdelavo kartičnih plačil lahko izbrali katerega koli pridobitelja v euroobmočju .
this will increase competition and drive down costs .
S tem se bo okrepila konkurenca , stroški pa bodo nižji .
As a consequence , there will be a wider choice of terminal providers , and merchants will be able to accept a wider range of cards w i t h a s i n g l e t e r m i n a l . T h e i n c re a s e d competition between card schemes should also drive down fees for merchants .
Zato bo izbira ponudnikov terminalov večja , trgovci pa bodo lahko z enim samim terminalom sprejeli več različnih kartic . Zaradi okrepljene konkurence med kartičnimi shemami se bodo predvidoma znižale tudi provizije , ki jih plačujejo trgovci .
>F O R C O M PA N I E S SEPA will help companies to simplify their management of payments .
> ZA P O D J E T JA SEPA bo podjetjem omogočila , da poenostavijo upravljanje plačil .
>Value-added services such as e-invoicing and e-reconciliation will help companies to optimise their handling of payments .
e-računi in e-usklajevanje , bodo podjetjem pomagala , da optimizirajo obdelavo plačil .
Today , these services are often offered only nationally , as the existence of different payment formats and legal requirements makes cross-border use
Danes so te storitve pogosto na voljo samo na nacionalni ravni , saj različni formati plačil in pravne zahteve otežujejo njihovo čezmejno uporabo .
difficult . Standardised SEPA payment schemes will make this obstacle easier to overcome and companies will benefit from end-to-end STP .
S standardiziranimi plačilnimi shemami SEPA bo to oviro lažje premostiti , saj bodo podjetja bodo lahko izkoristila prednosti avtomatizirane obdelave plačil od začetka do konca .
>FOR BANKS By providing new payment instruments and euro area-wide infrastructures , SEPA will benefit banks in the following ways .
> ZA B A N K E SEPA bo bankam z uvedbo novih plačilnih instrumentov in infrastruktur za celotno euroobmočje prinesla vrsto ugodnosti .
Banks will also be able to expand their business by offering their customers value-added services in addition to SEPA products .
Svoje dejavnosti bodo lahko razširile tudi s tem , da poleg produktov SEPA strankam nudijo tudi storitve z dodano vrednostjo .
By aligning the conditions under which payments are made , SEPA will result in a single set of rules , equal and open access , reachability , transparency and interoperability , which will encourage competition , thereby allowing banks to negotiate better conditions with their service providers .
S poenotenjem pogojev za izvedbo plačil bo SEPA zagotovila en sam sklop pravil , enak in odpr t dostop , doseg lji vost , preg lednost in interoperabilnost . To bo spodbudilo konkurenco in bankam omogočilo , da pri svojih ponudnikih storitev dosežejo boljše pogoje .
Regulation No 2560/2001 was introduced to make charges for comparable domestic and cross-border payments the same .
2560/2001 je bila uvedena z namenom poenotenja provizij za primerljiva domača in čezmejna plačila .
From 1 July 2002 it applied to card payments and withdrawals from automated teller machines ( ATMs ) , and from 1 July 2003 it applied to credit transfers with a value of up to Euros 12,500 .
julija 2002 se uporablja za kartična plačila in dvige na bankomatih , od 1 . julija 2003 pa za kreditna plačila v vrednosti do 12.500 EUR .
Since 1 January 2006 it has also applied to transfers in euro with a value of up to Euros 50,000 made between two euro-denominated accounts within the EU .
Od 1 . januarja 2006 se uporablja tudi za eurske prenose sredstev med dvema računoma v EU , ki sta nominirana v eurih , v višini do 50.000 EUR .
The European Commission has proposed extending the rules on cross-border payments in euro to cover direct debits and will complete its review of the Regulation in 2009 with a view to facilitating SEPA .
Evropska komisija je predlagala , da se pravila za čezmejna plačila v eurih razširijo tudi na direktne obremenitve . Revizijo uredbe bo Komisija končala v letu 2009 , da bi tako prispevala k vzpostavitvi območja SEPA .
>Regulation No 2560/2001 , which established the principle of equal charges for comparable cross-border and domestic payments within the EU , has created an imbalance between bank fees and costs for cross-border payments .
2560/2001 , ki je uvedla načelo enakih provizij za primerljiva U čezmejna in domača plačila v EU , je ustvarila neravnovesje med bančnimi provizijami in stroški za čezmejna plačila .
This imbalance can be overcome only if the handling of cross-border payments -- in terms of processing , clearing and settlement -- is reorganised so it is as efficient and inexpensive as t h e h a n d l i n g o f national payments , which is the primary goal of SEPA .
To neravnovesje je mogoče preseči le z reorganizacijo obdelave čezmejnih plačil ( procesiranje , kliring in poravnava ) , po kateri bi ta postala enako učinkovita in poceni , kot je obdelava plačil znotraj države , kar je hkrati tudi primarni cilj SEPA .
>F O R I N F R A S T R U C T U R E P ROV I D E R S Detaching the development of the payment schemes from the infrastructure providers ( e.g. ACHs and card processors ) should increase competition among infrastructure providers .
> ZA P O N U D N I K E I N F R A S T R U K T U R E Ločitev razvoja plačilnih shem od ponudnikov infrastrukture ( npr . avtomatiziranih klirinških hiš in procesnih centrov za kartice ) bo predvidoma okrepila konkurenco med ponudniki infrastrukture .
MIGRATION EFFORTS FOR CUSTOMERS The overall impact that the changeover to SEPA will have on customers is expected to be minor .
MIGRACIJA IN STRANKE Za stranke prehod na SEPA predvidoma ne bo imel večjih posledic .
Customers could experience some changes when domestic payment instruments are replaced by SEPA payment instruments .
Nekaj sprememb bodo morda opazile , ko bodo domače plačilne instrumente zamenjali plačilni instrumenti SEPA .
For example , a customer 's national bank account number will be replaced by an IBAN , and the forms used to initiate payments could differ , in terms of their layout , from those currently used at the national level .
Tako bo na primer nacionalno številko bančnega računa nadomestil IBAN , drugačen pa bo lahko tudi videz obrazcev za izvedbo plačila .
C O M P O N E N T S O F S E PA
KO M P O N E N T E S E PA
Creating a single retail payment market in the euro area is an ongoing process .
Oblikovanje enotnega trga plačil malih vrednosti v euroobmočju še vedno poteka .
However , with the building blocks almost in place , one significant milestone has been achieved .
Vseeno je bil zdaj , ko so osnovni gradniki postavljeni , dosežen pomemben mejnik .
The next step will be to develop and offer value-added services for customers .
Naslednji korak bo razvoj storitev z dodano vrednostjo in njihova ponudba strankam .
These will enhance the SEPA payments and guarantee their user-friendliness , thereby fostering the establishment of a paperless payments area with end-to-end STP for all payments .
Te storitve bodo izboljšale plačila SEPA , zagotovile , da so uporabnikom prijazne , in prispevale k vzpostavitvi območja nepapirnih plačil z avtomatizirano obdelavo vseh plačil od začetka do konca .
S I N G L E E U RO PAY M E N T S A R E A End-to-end straight-through processing
E N OT N O O B M O Č J E P LAČ I L V E U R I H Avtomatizirana obdelava plačil od začetka do konca
Value-added services + Electronic use only + Common payment instruments , infrastructures , standards and legal basis
Storitve z dodano vrednostjo + Samo elektronska uporaba + Enotni plačilni instrumenti , infrastrukture , standardi in pravna podlaga
>S E PA PAY M E N T I N S T R U M E N T S The EPC has established two new payment schemes -- the SEPA credit transfer and SEPA direct debit schemes -- as well as a SEPA card framework .
> P LAČ I L N I I N S T R U M E N T I S E PA EPC je oblikoval dve novi plačilni shemi -- kreditno plačilo SEPA in direktno obremenitev SEPA -- ter kartični okvir SEPA .
The current national instruments will gradually be replaced by SEPA instruments based on these common SEPA schemes and frameworks .
Ti instrumenti , ki temeljijo na teh enotnih shemah in okvirih , bodo postopoma nadomestili sedanje nacionalne instrumente .
S E PA C R E D I T T R A N S F E R S The SEPA credit transfer ( SCT ) scheme is an interbank payment scheme that lays down a common set of rules and processes for credit transfers denominated in euro .
K R E D I T N O P LA Č I LO S E PA Shema kreditnih plačil SEPA je medbančna plačilna shema , ki določa enoten sklop pravil in postopkov za kreditna plačila v eurih .
The scheme establishes a common service level and a time frame within which financial institutions participating in the scheme must conduct individual SEPA credit transfers .
Shema uvaja enotno raven storitev in časovni okvir , v katerem morajo sodelujoče finančne institucije izvesti individualna kreditna plačila SEPA .
The scheme was launched in January 2008 .
Shema je začela delovati januarja 2008 .
>There is a comprehensive set of rules for rejected and returned payments . What is a credit transfer ?
Kaj je kreditno plačilo ? Plačilo , ki ga sproži plačnik .
A payment initiated by the payer . In a credit transfer , a payment instruction is sent to the payer 's bank ( i.e. the sender 's bank ) , which moves the funds to the payee 's bank ( i.e. the receiver 's bank ) , possibly via several intermediaries .
Pri kreditnem plačilu se plačilni nalog pošlje plačnikovi banki , ki sredstva prenese v banko prejemnika plačila , lahko tudi prek več posrednikov . 1 ) V skladu z Direktivo o plačilnih storitvah , ki velja od 1 .
1 ) Under the Payment Services Directive , which enters into force on 1 November 2009 , the maximum settlement time will be three business days until 1 January 2012 and one business day thereafter .
novembra 2009 , bo do 1 . januarja 2012 najdaljši čas poravnave tri delovne dni , po tem datumu pa en delovni dan .
S E PA D I R E C T D E B I T S The SEPA direct debit ( SDD ) scheme is an interbank payment scheme that lays down a common set of rules and processes for direct debits denominated in euro .
D I R E K T N A O B R E M E N I T E V S E PA Shema direktnih obremenitev SEPA je medbančna plačilna shema , ki določa enoten sklop pravil in postopkov za direktne obremenitve v eurih .
The scheme establishes a common service level and a time frame within which financial institutions participating in the scheme must conduct individual SEPA direct debits .
Shema uvaja enotno raven storitev in časovni okvir , v katerem morajo sodelujoče finančne institucije izvajati individualne direktne obremenitve SEPA .
The SDD scheme will be launched on 1 November 2009 .
Shema direktnih obremenitev SEPA bo začela delovati 1 . novembra 2009 .
The core SDD model In the new SDD scheme , the debtor will give the mandate directly to the creditor .
Osrednji model direktnih obremenitev SEPA V novi shemi direktnih obremenitev SEPA bo dolžnik izdal pooblastilo neposredno upniku .
An e-mandate solution will allow consumers to initiate electronic mandates via their online banking application .
Programska oprema za e-pooblastila bo strankam omogočila pošiljanje elektronskih pooblastil neposredno iz spletne bančne aplikacije .
Special features >A business-to-business direct debit scheme has also been developed .
Ta temelji na osrednji shemi direktnih obremenitev in vključuje nekatere dodatne zmožnosti za uporabo v medpodjetniških transakcijah .
This is based on the core direct debit scheme , with specific additional features for use in business-to-business transactions . A transfer initiated by the payee ( i.e. the recipient ) via the payee 's bank following an agreement between the payee and the payer ( i.e. the sender ) .
Plačilo , ki ga sproži prejemnik plačila prek svoje banke , potem ko je bil sprejet dogovor med prejemnikom plačila in plačnikom ( pošiljateljem ) . Direktne obremenitve se pogosto uporabljajo za ponavljajoča se plačila ( npr .
Direct debits are often used for recurring payments ( such as utility bills ) , with a schedule of payment being preauthorised by the payer .
računi za komunalne storitve ) po urniku plačil , ki ga vnaprej odobri plačnik .
Direct debits are also used for one-off payments where the payer authorises an individual payment .
Direktne obremenitve se uporabljajo tudi za enkratna plačila , če plačnik odobri individualno plačilo .
What is a direct debit ?
Kaj je direktna obremenitev ?
S E PA C A R D PAY M E N T S SEPA card payments will be made in accordance with a set of high-level principles which issuers , acquirers , card schemes and operators will have to observe .
K A RT I Č N A P LAČ I LA S E PA Kartična plačila SEPA bo urejal sklop temeljnih načel , ki bodo obvezna za izdajatelje , pridobitelje , kartične sheme in upravljavce .
These principles have been developed by the EPC and are referred to as the « SEPA card framework » .
Ta načela je razvil EPC in se imenujejo » kartični okvir SEPA «.
What is a card payment ?
Kaj je kartično plačilo ?
The balance is either settled in full by the end of a specific period , or settled in part , with the remaining balance taken as extended credit on which the cardholder is charged interest .
Znesek se poravna bodisi v celoti do konca izbranega obdobja , ali delno , preostali znesek pa se nato šteje za podaljšan kredit , za katerega se imetniku kartice zaračunajo obresti .
S E PA C A S H The smooth operation of payment systems requires a mixture of instruments , including cash .
G OTOV I N A S E PA Za nemoteno delovanje plačilnih sistemov so potrebni različni instrumenti , vključno z gotovino .
In order to create a « single euro cash area » for professional cash handlers , the ECB has agreed on a number of measures with a view to contributing to a fair competitive environment as regards the Eurosystem 's cash services .
ECB je v prizadevanjih , da bi za profesionalne uporabnike gotovine vzpostavila » enotno območje eurske gotovine «, sprejela več ukrepov , katerih namen je prispevati k poštenemu konkurenčnemu okolju na področju gotovinskih storitev Eurosistema .
These measures concern the banking industry , which is the Eurosystem 's main counterpar t for cash ser vices and its intermediary in the provision of cash to the general public .
Ti ukrepi zadevajo bančni sektor , ki je glavni partner Eurosistema na področju gotovinskih storitev in njegov posrednik pri zagotavljanju gotovine prebivalstvu .
steps Further will be in The ECB has the exclusive right to authorise the issuance of banknotes within the euro area .
Za nadaljnjo har monizacijo gotovinsk ih storitev nacionalnih centralnih bank bodo v srednjeročnem obdobju sprejeti še dodatni ukrepi .
The NCBs of the Eurosystem put euro banknotes into circulation by providing them to the banking sector . The main distribution channel to the general public is via ATMs .
Edino ECB ima pravico , da odobri izdajo bankovcev v euroobmočju . Nacionalne centralne banke Eurosistema dajejo eurobankovce v obtok tako , da jih zagotavljajo bančnemu sektorju .
implemented order to fur ther harmonise NCBs » cash services in the medium term .
Glavni distribucijski kanal od tod do prebivalstva pa so bankomati .
>S E PA I N F R A S T R U C T U R E S The EPC framework governing clearing and settlement mechanisms within SEPA sets out the principles that allow infrastructure providers to clear payments made using the SEPA credit transfer and direct debit schemes .
> I N F R A S T R U K T U R E S E PA Okvir EPC , ki ureja klirinško-poravnalne mehanizme v območju SEPA , določa načela , ki ponudnikom infrastrukture omogočajo , da obračunajo plačila , opravljena s shemama kreditnih plačil SEPA in direktnih obremenitev SEPA . Okvir razlikuje med vlogami in pristojnostmi shem ( tj .
The framework distinguishes between the roles and responsibilities of schemes ( i.e. the rules for the different payment instruments ) and those of infrastructures ( i.e. providers that offer processing services to financial institutions ) .
pravila za različne plačilne instrumente ) na eni strani ter vlogami in pristojnostmi infrastruktur ( tj . ponudniki , ki finančnim institucijam nudijo storitve procesiranja ) na drugi .
The framework also contains a classification of different infrastructure types , ranging from PEACHs and inter-group arrangements to purely bilateral arrangements .
Vključuje tudi klasifikacijo različnih vrst infrastruktur , od vseevropskih avtomatiziranih klirinških hiš in medskupinskih dogovorov do povsem dvostranskih povezav .
The framework for clearing and settlement mechanisms within SEPA came into force in January 2008 .
Okvir za klirinško-poravnalne mehanizme v območju SEPA je začel veljati januarja 2008 .
F E AT U R E S O F T H E C L E A R I N G A N D S E T T L E M E N T I N F R A S T R U C T U R E S W I T H I N S E PA The Eurosystem 's aim is for the main infrastructures to be able to send / receive euro payments made using SEPA payment instruments to / from all banks in the euro area .
Z N AČ I L N O S T I I N F R A S T R U K T U R E ZA K L I R I N G I N P O R AV N AVO V O B M O Č J U S E PA Cilj Eurosistema je , da bi bile glavne infrastrukture sposobne pošiljati plačila v eurih s plačilnimi instrumenti SEPA vsem bankam v euroobmočju in jih od njih prejemati .
Banks can be reachable directly , indirectly through intermediary banks , or indirectly through links between infrastructures .
Banke je mogoče doseči neposredno , posredno prek bank posrednic ali posredno prek povezav med infrastrukturami .
For an efficient exchange of payment messages , infrastructure providers should adopt uniform rules on interoperability .
Za učinkovito izmenjavo plačilnih sporočil bi morali ponudniki infrastrukture sprejeti enotna pravila o interoperabilnosti .
Another aim is to ensure full transparency in terms of infrastructure providers » services and prices .
Drugi cilj je zagotoviti popolno preglednost storitev in cen ponudnikov infrastrukture .
What are clearing and settlement ?
Kaj je kliring in kaj poravnava ?
Clearing is the process of transmitting , reconciling and confirming payment orders , and establishing a final position for settlement ( on the basis of either individual transactions or bundles of transactions ) .
Kliring je postopek prenosa , usklajevanja in potrjevanja plačilnih nalogov in določitve končnega zneska za poravnavo ( na podlagi individualnih transakcij ali svežnjev transakcij ) .
Settlement is the transfer of funds between the payer and the payee ( and between the payer 's bank and the payee 's bank ) .
Poravnava je prenos sredstev med plačnikom in prejemnikom plačila ( in med bankama plačnika in prejemnika plačila ) .
Clearing and settlement in SEPA will thus be designed to ensure : >the reachability of all euro area banks ; >the separation of schemes and infrastructures .
Kliring in poravnava v okolju SEPA bosta zasnovana tako , da bosta zagotavljala : >dosegljivost vseh bank euroobmočja in >ločitev shem od infrastrukture .
>S TA N D A R D I S AT I O N The EPC has chosen to use well-known international standards for the SEPA payment schemes .
> S TA N DA R D I ZA C I J A EPC je za plačilne sheme SEPA izbral znane mednarodne standarde .
The goal is to ensure automated ( straight-through ) processing of all euro-denominated payments .
Cilj je omogočiti avtomatizirano ( brez ročnega posega ) obdelavo vseh plačil v eurih .
This is a three-layer process .
To je triplasten proces .
On the basis of those business requirements , the EPC has identified logical requirements .
Na osnovi teh poslovnih zahtev je EPC oblikoval logične zahteve .
T h e s t a n d a r d s s e l e c t e d a re U N I F I ( ISO 20022 ) XML message standards developed by the International Organization for Standardization .
Izbrani so bili sporočilni standardi UNIFI ( ISO 20022 ) XML , ki jih je razvila Mednarodna organizacija za standardizacijo ( ISO ) .
The EPC has also developed a set of SEPA implementation guidelines that define the use of the UNIFI message standards .
EPC je razvil tudi sklop izvedbenih smernic za vzpostavitev SEPA , ki opredeljujejo uporabo sporočilnih standardov UNIFI .
The EPC has decided that the UNIFI standards will be compulsor y in the bank-to-bank domain a n d re c o m m e n d e d i n t h e c u s t o m e r - t o - b a n k domain .
EPC je sklenil , da bodo standardi UNIFI obvezni v domeni banka-banka in priporočeni v domeni stranka-banka .
Standards are rules that govern technology , behaviour and interaction .
Standardi so pravila , ki urejajo tehnologijo , ravnanje in interakcijo .
Technical standards are necessary to allow interaction and interoperability between IT systems and to foster the automation of the payment process .
Tehnični standardi so nujni za interoperabilnost informacijskih sistemov in interakcijo med njimi ter za nadaljnjo avtomatizacijo plačilnih postopkov .
What are standards ?
Kaj so standardi ?
>L E G A L F R A M E WO R K The Payment Services Directive establishes the legal framework necessary for SEPA payments and will also apply to existing national payment products .
> P R AV N I O K V I R Direktiva o plačilnih storitvah vzpostavlja pravni okvir , ki je nujen za plačila SEPA in se bo uporabljal tudi za obstoječe nacionalne plačilne produkte .
The PSD was adopted by the European Parliament and the EU Council in 2007 . It must be transposed into national law by November 2009 at the latest .
Evropski parlament in Svet EU sta direktivo sprejela v letu 2007 , v nacionalno zakonodajo pa jo morajo države prenesti najkasneje do novembra 2009 .
The Directive contains three main building blocks , which are described below .
Vključuje tri glavne gradnike , ki so opisani v nadaljevanju .
T H E R I G H T TO P ROV I D E PAY M E N T S E RV I C E S TO T H E P U B L I C The aim of the Directive is to harmonise the market access requirements for non-bank payment service providers .
P R AV I C A P O N U JA N JA P LAČ I L N I H S TO R I T E V JAV N O S T I Cilj direktive je uskladiti zahteve glede dostopa nebančnih ponudnikov do trga plačilnih storitev .
This will help to foster innovation and create a level playing field with enhanced competition .
Harmonizacija bo spodbudila inovacije in ustvarila enake pogoje poslovanja ter okrepila konkurenco .
T R A N S PA R E N C Y A N D I N F O R M AT I O N R E Q U I R E M E N T S The Directive will establish a clear and concise set of harmonised information requirements that all payment service providers must fulfil , whether they are offering SEPA payment products or existing national payment products . This will improve transparency for customers and will fully harmonise national rules , which currently vary greatly .
P R E G L E D N O S T I N ZA H T E VA N E I N F O R M AC I J E Direktiva uvaja jasen in jedrnat sklop usklajenih informacijskih zahtev , ki jih morajo izpolnjevati vsi izvajalci plačilnega prometa , ne glede na to , ali ponujajo plačilne produkte SEPA ali obstoječe nacionalne plačilne produkte .