natgillin/translations-raw huggingface dataset:
V desetih delovnih dne potem, ko je prejel zahtevek za povračilo, ponudnik plačilnih storitev povrne sporen znesek plačilne transakcije ali pa navede utemeljitev za zavrnitev povračila, z navedbo organa, katerega lahko plačnik seznani z zadevo v skladu s členi 72 do 75, če se ne strinja s podano utemeljitvijo.
Within ten business days of receiving a request for a refund, the payment service provider shall either refund the disputed amount of the payment transaction or provide justification for refusing the refund, indicating the body to which the payer may refer the matter in accordance with Articles 72 to 75 if he does not accept the justification provided
ČLEN 53 A (novo)
ARTICLE 53 A (new)
Člen 53a
Article 53a
Odstopanje od načela prenosa soglasja
Exemption from the principle of transmission of consent
Plačnik lahko za izvršitev serije rednih plačil ali posameznega plačila pooblasti prejemnika plačila, da na podlagi direktne bremenitve odtegne znesek z navedenega računa pri njegovem ponudniku plačilnih storitev, ter tako prejemnika plačila razreši obveznosti, da predhodno posreduje soglasje svojemu ponudniku plačilnih storitev.
The payer may authorise the payee, for the purpose of making a series of regular payments or a single payment, to deduct a sum from a designated account with his payment service provider by direct debit, releasing the payee from the obligation to transmit consent beforehand to his payment service provider.
To ne vpliva na druge zahteve glede prenosa informacij plačniku, zlasti v zvezi z razlogi, načinom, višino in namenom plačila.
This shall not affect any other requirements to transmit information to the payer, particularly as regards the reasons for, type, amount and purpose of the payment.
Odstopanje je možno le, če prejemnik plačila:
This exemption can only be granted if the payee:
- plačniku prizna pravico, da plačilo prekliče tudi brez navedbe razlogov s preprosto obrazložitvijo njegovemu ponudniku plačilnih storitev v najmanj šestih tednih po tem, ko je izvedel za plačilno transakcijo,
– accords the payer the right to recall the payment, even without providing reasons, by a simple declaration to his own payment service provider within at least six weeks of receiving notification of the payment transaction,
- sam ali prek svojega ponudnika plačilnih storitev zagotovi, da se prvotni znesek, knjižen v breme, brez nadaljnjih ukrepanj plačnika, v celotni višini takoj knjiži v dobro na plačnikovem računu, in
– ensures, directly or through his payment service provider, that the sum originally debited is immediately credited in full to the payer’s account, without the need for any further action by the latter,
- plačnika oprosti vseh stroškov v zvezi s preklicem plačila, razen če to ni v nasprotju z obveznostmi plačnika v okviru veljavnega pravnega razmerja, in zaradi tega lahko prejemnik plačila uveljavi svojo pravico do povračila stroškov.
– indemnifies the payer against any costs in connection with recalling the payment, unless that action disregards the obligations imposed on the payer by the underlying legal relationship and, consequently, the payee can assert his right in turn to the reimbursement of costs.
Namen tega predloga spremembe je zagotoviti, da direktiva zajame postopek direktne bremenitve, ki je zelo razširjen v nekaterih državah članicah (npr. v Nemčiji, kjer se izvrši približno 6 milijard takšnih transakcij na leto, predvsem za plačila rednih periodičnih majhnih in zelo majhnih zneskov).
The amendment seeks to ensure the directive covers the direct debit procedure which is practised to a great extent in a few Member States (for example in Germany, where there are around six billion such transactions a year, mainly for the payment of small and very small sums at regular intervals).
Ponudniki plačilnih storitev in uporabniki ocenjujejo ta postopek kot zelo učinkovit, zanesljiv in cenovno ugoden; z vidika uporabnika je postopek povezan z zelo majhnim tveganjem za zlorabe, zato ponudniki plačilnih storitev vzamejo v zakup posledične izgube.
This procedure is regarded by payment service providers and users alike as very efficient, reliable and inexpensive and, from the user’s point of view, offers a very low risk of the system being abused, with any resulting losses being met by the payment service provider.
Predlagane določbe naj bi zagotovile, da se lahko ta oblika plačilnega instrumenta v nekaterih državah članicah še naprej uporablja ter uporabnikom zagotovi, da jim ne bo treba uporabljati bolj zahtevnih in cenovno manj ugodnih postopkov.
The proposed provisions should ensure that this form of payment instrument can continue to be used in various Member States to ensure users are not faced with the prospect of being obliged to use more complicated and costly procedures.
ČLEN 54
ARTICLE 54
Države članice zagotovijo, da je v primeru plačilnega naloga, ki ga je dal plačnik ali prejemnik plačila ali je bil dan preko prejemnika plačila, in ga je plačnik odobril, čas sprejema takrat, ko so izpolnjeni naslednji trije pogoji :
Member States shall ensure that , in the case of a payment order initiated by a payer, or by or through a payee, and covered by the authorisation of a payer, the point in time of acceptance occurs when the following three conditions are met:
(i) ponudnik plačilnih storitev je prejel plačilni nalog;
(i) the payment service provider has received the payment order;
(ii) ponudnik plačilnih storitev je opravil potrditev naloga, vključno z morebitnim pregledom razpoložljivosti sredstev;
(ii) the payment service provider has completed authentication of the order, including a possible check on the availability of funds;
(iii) ponudnik plačilnih storitev je izrecno ali implicitno sprejel obveznost izvršiti naročeno plačilno transakcijo.
(iii) the payment service provider has explicitly or implicitly accepted the obligation to execute the payment transaction ordered.
Čas sprejema je najpozneje čas, ko ponudnik plačilnih storitev začne izvajati plačilno transakcijo.
The point in time of acceptance shall not be later than the point in time when the payment service provider starts to execute the payment transaction.
Države članice zagotovijo, da plačnikov ponudnik plačilnih storitev obdela plačilni nalog, ki ga je plačnik odobril, ne glede na to ali je prenesen neposredno preko plačnika ali posredno preko prejemnika plačila v imenu plačnika, na naslednji način:
Member States shall ensure that a payment order covered by the authorisation of a payer, regardless of whether it is transmitted directly by the payer or indirectly by or through a payee on the payer's behalf, is processed in the following manner by the payer's payment service provider.
Kljub posegu plačnikovega ponudnika plačilnih storitev v proces kreiranja in potrditve plačilnega naloga se kot dan prejema šteje delovni dan, ko je plačnikov ponudnik plačilnih storitev prejel izpolnjen in veljaven plačilni nalog.
Notwithstanding any involvement by the payer's payment service provider in the process leading up to the creation and submission of the payment order, the business day on which the complete and valid payment order is received by the payer's payment service provider shall be the day of receipt.
Če je ponudnik plačilnih storitev prejel plačilni nalog pred rokom, ki ga je določil in sicer ne prej kot ob 17:00, ali če je uporabnik plačilnih storitev osebno dal navodila poslovalnici ponudnika plačilnih storitev eno uro pred zaprtjem poslovalnice, kar se pač zgodi prej, se dan prejema šteje tudi kot dan sprejema, razen če je plačnikov ponudnik plačilnih storitev zavrnil izvršitev plačilnega naloga v skladu s členom 55.
If the payment order is received prior to a cut-off time set by the payment service provider, which shall be no earlier than 17:00, or where the payment service user delivers instructions in person to an office of the payment service provider, one hour before the close of business of that office, whichever is the earlier, the day of receipt shall also be the day of acceptance unless the payer's payment service provider has refused the execution of the payment order as provided in Article 55.
Če ponudnik plačilnih storitev ni prejel plačilnega naloga pred rokom, ki ga je sam določil, se kot dan sprejema šteje delovnik, ki sledi dnevu prejema, razen če je plačnikov ponudnik plačilnih storitev zavrnil izvršitev plačilnega naloga v skladu s členom 55 na ta dan.
If the payment order is not received prior to the cut-off time set by the payment service provider, the day of acceptance shall be the business day after the day of receipt unless the payer's payment service provider has refused the execution of the payment order as provided in Article 55 on that day.
Dan izvršitve plačilnega naloga je isti dan kot dan sprejema, razen če je uporabnik plačilnih storitev zahteval kasnejši datum izvršitve, potem je dan izvršitve delovnik, ki ga je določil uporabnik plačilnih storitev.
The day of execution of the payment order shall be the same day as the day of acceptance except where a later execution day is requested by the payment service user the day of execution shall be that business day stipulated by the payment service user.
Vsa sklicevanja na dneve in čase v tem členu se nanašajo na dan in čas na lokaciji plačnikovega ponudnika plačilnih storitev.
All references to days and times in this Article shall refer to the day and time in the location of the payer's payment services provider.
V primeru elektronsko sproženih plačilnih transakcij ponudnik plačilnih storitev obvesti uporabnika plačilnih storitev o sprejemu naloga za izvršitev.
In the case of electronically initiated payment transactions, the payment service provider shall inform the payment service user of acceptance of the order for execution.
To stori brez nepotrebnega odlašanja, v vsakem primeru pa pred koncem naslednjega delovnega dne po času sprejema na podlagi odstavka 1.
He shall do so without undue delay and, in any case, before the end of the next working day after the point in time of acceptance under paragraph 1.
Če se plačilni nalog zavrne, se uporabnik plačilnih storitev s pomočjo obvestila, o katerem sta se stranki dogovorili v ta namen, obvesti o razlogih za zavrnitev in, če je mogoče, postopku za odpravo dejanskih napak, ki so vzrok za zavrnitev.
Where the payment order is refused, the reasons for the refusal and, if possible, the procedure for correcting any factual mistakes that led to the refusal shall be notified to the payment service user by means of a communication agreed for that purpose by the parties.
Obvestilo se pošlje brez nepotrebnega odlašanja, v vsakem primeru pa v treh delovnih dneh od časa sprejema na podlagi odstavka 54(1).
Notification shall be made without undue delay and, in any case, within three working days of the point in time of acceptance under Article 54(1).
V primerih, ko so izpolnjeni vsi pogoji iz pogodbe o plačilnih storitvah v skladu s členom 31 , ponudnik plačilnih storitev plačnika ne zavrne izvršitve plačilnega naloga, ki je bil dan preko ponudnika plačilnih storitev, ki ni imetnik plačilnega računa plačnika in ki je zajet v odobritev, ki jo je dal plačnik.
In cases where all the conditions set out in the payment service contract in accordance with Article 31 are met, the payer’s payment service provider shall not refuse to execute a payment order which has been initiated through a payment service provider other than the holder of the payer's payment account and which is covered by the authorisation given by the payer.
Ponudnik plačilnih storitev plačnika lahko zavrne izvršitev plačilnega naloga, ki je zajet v odobritev, ki jo je dal plačnik, samo če:
The payer’s payment service provider may refuse to execute a payment order which is covered by the authorisation given by the payer, only if:
(a) ni na voljo dovolj sredstev za izvršitev plačila;
(a) the payment is not sufficiently covered by funds;
(b) plačnik ni zagotovil svojemu ponudniku plačilnih storitev potrebnih informacij za izvršitev plačila, kot je bilo dogovorjeno v pogodbi o plačilnih storitvah v skladu s členom 31(1) (b)(i); ali
(b) the payer has not provided its payment service provider with the necessary information for the execution of the payment as agreed in the payment service contract in accordance with Article 31(1) (b)(i); or
(c) izvršitev plačila prepoveduje zakonodaja Skupnosti ali nacionalna zakonodaja.
(c) the execution of the payment is prohibited by Community or national legislation.
Če ponudnik plačilnih storitev plačnika zavrne izvršitev plačila, mora ponudnik o tem nemudoma obvestiti plačnika, v vsakem primeru najkasneje do konca dneva, ki bi se štel kot dan sprejema, če plačilo ne bi bilo v nasprotju z zakonodajo Skupnosti ali nacionalno zakonodajo.
Where the payer's payment service provider refuses to execute a payment order, the payer shall be sent notification to this effect by its payment service provider without undue delay, and in any event no later than the end of what would have been the day of acceptance if not prohibited by other relevant Community or national legislation.
V obvestilu mora biti naveden razlog za zavrnitev in po potrebi tudi dejanske napake, ki so vzrok za zavrnitev.
The notification shall state the reason for the refusal and, where relevant, shall identify any factual mistakes which led to the refusal.
ČLEN 56
ARTICLE 56
Brez poseganja v člen 46 , države članice zagotovijo, da za plačila, ki jih je začel plačnik , uporabnik plačilnih storitev ne sme preklicati plačilnega naloga po času, ko ga je ponudnik plačilnih storitev plačnika sprejel , za plačila, ki jih je začel prejemnik plačila ali so bila začeta preko njega, pa jih ne more preklicati ponudnik plačilnih storitev prejemnika plačila.
Without prejudice to Article 46, Member States shall ensure that the payment service user may not revoke a payment order after the time of its acceptance by the payer's payment service provider for payments initiated by the payer or by the payee's payment service provider for payments initiated by or through the payee.
Države članice zagotovijo, da uporabnik plačilnih storitev nima pravice preklicati plačilnega naloga, ko ga je ponudnik plačilnih storitev plačnika prejel ali imel za veljavnega.
Member States shall ensure that a payment service user shall not be entitled to revoke a payment order once it has been received or considered as valid by the payer's payment service provider.
To ponudniku plačilnih storitev ne preprečuje, da se s svojo stranko dogovorita o možnosti preklica v predhodnem obdobju.
This shall not prevent a payment service provider from agreeing an earlier point of irrevocability with his client.
V primeru plačilnega naloga, ki se izvrši na določeni prihodnji datum, se lahko ponudnik in uporabnik plačilnih storitev dogovorita o datumu nepreklicnosti, ki je tri delovne dni pred datumom sprejema nalogov.
In the case of a payment order to be executed on a specific date in the future, the payment service provider and the payment service user may agree on a date of irrevocability that falls within the three working days preceding the point in time of acceptance for the order.
ČLEN 57
ARTICLE 57
Če se plačilna transakcija opravlja samo v valuti države članice in ne vsebuje menjave valut, in če se ponudnika plačilnih storitev plačnika in prejemnika plačila nahajata v Skupnosti , države članice zahtevajo, da ponudnika plačilnih storitev zaračunata morebitne provizije neposredno plačniku in prejemniku plačila in da vsak krije svoje provizije.
Where a payment transaction is carried out solely in the currency of a Member State and does not involve any currency exchanges and where the payment service providers of both the payer and the payee are located in the Community, Member States shall require that any fees be levied directly on the payer and the payee by their respective payment service providers, and that they each bear their own fees.
Če plačilna transakcija ne vsebuje menjave valut, razen če ni drugače dogovorjeno med plačnikom in prejemnikom plačila in njihovimi ponudniki plačilnih storitev, države članice zahtevajo, da ponudnika plačilnih storitev zaračunata morebitne provizije neposredno plačniku in prejemniku plačila in da vsak krije svoje provizije.
Where a payment transaction does not involve any currency exchanges , unless there is an agreement to the contrary between the payer or the payee and their respective payment service provider, Member States shall require that any fees be levied directly on the payer and the payee by their respective payment service providers, and that they each bear their own fees.
V primeru drugih plačilnih transakcij lahko plačnik in prejemnik plačila sporazumno spreminjata navedene zahteve.
In the case of other payment transactions, the payer and the payee may, by mutual agreement, vary those requirements.
ČLEN 58
ARTICLE 58
Če se ponudnika plačilnih storitev plačnika in prejemnika plačila nahajata v Skupnosti, in če je plačilna transakcija izvršena samo v valuti države članice , države članice zahtevajo, da plačnikov ponudnik plačilnih storitev zagotovi, da prejemnik plačila prejme celoten znesek plačilne transakcije.
Where the payment service providers both of the payer and of the payee are located in the Community and where the payment transaction is carried out solely in the currency of a Member State , Member States shall require the payer's payment service provider to ensure that the full amount of the payment transaction is received by the payee.
Posredniki ne odtegnejo provizij iz prenesenega zneska.
Intermediaries shall not deduct fees from the amount transferred.
Vendar pa prejemnik plačila in njegov ponudnik plačilnih storitev lahko skleneta izrecne ureditve, po katerih lahko ponudnik plačilnih storitev prejemnika plačila odtegne svoje provizije iz prenesenega zneska, preden ga knjiži v dobro prejemnika plačila .
However, explicit agreements may be arranged between the payee and his payment service provider under which the latter may deduct his own fees from the amount transferred before crediting it to the payee.
Države članice zahtevajo, da plačnikov ponudnik plačilnih storitev zagotovi, da prejemnikov ponudnik plačilnih storitev prejme celoten znesek plačilne transakcije.
Member States shall require the payer's payment service provider to ensure that the full amount of the payment transaction is received by the payment service provider of the payee.
Noben ponudnik plačilnih storitev, vključno s posredniki, ne odtegne provizij iz prenesenega zneska.
No payment service provider, including intermediaries shall deduct fees from the amount transferred.
Vse provizije se zaračunajo ločeno.
Any fees shall be billed separately.
Vendar pa plačnik ali prejemnik plačila in njihovi ponudniki plačilnih storitev lahko sklenejo izrecne ureditve, ki odstopajo od tega, po katerih se lahko provizije odtegnejo iz prenesenega zneska
However, explicit agreements deviating from this may be arranged between the payer or the payee and their payment service providers under which fees from the amount transferred may be deducted.
Države članice v vsakem od naslednjih primerov zahtevajo, da ponudnik plačilnih storitev v dobri veri poda oceno o vseh odbitnih postavkah, ki se predvidevajo za plačilno transakcijo:
Member States shall, in either of the following situations, require the payment service provider to give a bona fide estimate of any deductions to be envisaged for the payment transaction:
(a) če se ponudnika plačilnih storitev plačnika in prejemnika plačila nahajata v Skupnosti, vendar je plačilna transakcija v celoti ali v delu denominirana v valuti, ki ni valuta navedene države članice;
(a) where the payment service providers of both the payer and the payee are located in the Community, but the payment transaction is denominated, in whole or in part, in a currency other than that of a Member State ;
(b) če se ponudnik plačilnih storitev plačnika ali prejemnika plačila ne nahaja v Skupnosti.
(b) where the payment service provider of either the payer or the payee is not located in the Community.
ČLEN 59, NASLOV in ODSTAVEK 1
ARTICLE 59, TITLE AND PARAGRAPH 1
ČLEN 59, ODSTAVEK 2
ARTICLE 59, PARAGRAPH 2
Ne uporablja se za plačilne transakcije, ki se štejejo za mikro plačila.
It shall not apply to payment transactions which are considered to be micro payments.
Ta oddelek se ne uporablja za plačilne transakcije, ki se štejejo za mikro plačila.
This section shall not apply to payment transactions which are considered to be micro payments.
ČLEN 60
ARTICLE 60
Države članice zahtevajo, da plačnikov ponudnik plačilnih storitev zagotovi, da se po času sprejema naročeni znesek knjiži v dobro na plačilni račun prejemnika plačila , najpozneje ob koncu prvega delovnega dne po datumu sprejema .
Member States shall require the payer’s payment service provider to ensure that, after the point in time of acceptance, the amount ordered is credited to the payee’s payment account at the latest at the end of the first working day following the point in time of acceptance.
Vendar pa se do 1. januarja 2010 plačnik in njegov ponudnik plačilnih storitev lahko dogovorita za rok, ki ni daljši od treh dni.
However, up to 1 January 2010, a payer and his payment service provider may agree on a period no longer than three days.
Države članice zahtevajo, da plačnikov ponudnik plačilnih storitev zagotovi, da se naročeni znesek knjiži v dobro na plačilni račun prejemnikovega ponudnika plačilnih storitev , najpozneje ob koncu drugega delovnega dne po datumu izvršitve v skladu s članom 54 .
Member States shall require the payer’s payment service provider to ensure that the amount ordered is credited to the payment account of the payee's payment service provider at the latest at the end of the second business day following the day of execution as defined in Article 54.
Če transakcijo začne plačnik in transakcija vsebuje pretvorbo valut, lahko plačnik in njegov ponudnik plačilnih storitev z izrecnim dogovorom določita drugače.
Where the transaction is initiated by the payer and includes a currency conversion, the payer and his payment service provider may provide otherwise by explicit agreement.
ČLEN 61
ARTICLE 61
Plačilne transakcije, ki jih začne prejemnik plačila ali so začete preko njega
Payment transactions initiated by or through the payee
Za plačilno transakcijo, ki jo je začel prejemnik plačila ali je bila začeta preko njega, države članice zahtevajo, da ponudnik plačilnih storitev zagotovi, da se po času sprejema naročeni znesek knjiži v dobro na plačilni račun prejemnika plačila, najpozneje ob koncu prvega delovnega dne po datumu sprejema, razen če se prejemnik in njegov ponudnik plačilnih storitev izrecno ne dogovorita drugače.
For a payment transaction initiated by or through the payee, Member States shall require the payment service provider to ensure that, after the point of time of acceptance, the amount ordered is credited to the payee’s payment account at the latest at the end of the first working day following the day on which the point in time of acceptance falls, unless otherwise explicitly agreed between the payee and his payment service provider.
Če plačnikov ponudnik plačilnih storitev zavrne sprostitev sredstev, ki so predmet plačilne transakcije, ponudnik plačilnih storitev v roku iz odstavka 1 o tem obvesti prejemnika plačila s sporočilom, o katerem sta se dogovorili pogodbenici v ta namen.
If the payer’s payment service provider refuses to release the funds which are the subject of the payment transaction, the payment service provider shall, within the period specified in paragraph 1, inform the payee accordingly by means of a communication agreed for that purpose by the parties.
Šteje se, da je ponudnik plačilnih storitev izpolnil svoje obveznosti na podlagi odstavka 1 tega člena in na podlagi člena 58.
The payment service provider shall be deemed to have fulfilled its obligations under paragraph 1 of this Article and under Article 58.
ČLEN 65
ARTICLE 65
Razpoložljivost sredstev na plačilnem računu
Availability of funds on a payment account