natgillin/translations-raw huggingface dataset:
(24) Glede na hitrost, s katero sodobni popolnoma avtomatizirani plačilni sistemi obdelujejo plačilne transakcije, kar pomeni, da po določenem času plačilnega naloga ni mogoče preklicati brez visokih stroškov ročnega posredovanja, je treba določiti jasen rok za preklic , da bi omogočili učinkovito obdelavo, hkrati pa zagotovili pravno gotovost za vse sodelujoče stranke.
(24) In view of the speed with which modern fully automated payment systems process payment transactions, which means that after a certain point payment orders cannot be revoked without high manual intervention costs, it is necessary to specify a clear deadline for revocations, in order to allow efficient processing while ensuring legal certainty for all the parties involved.
Primerno je določiti, da je navedeni rok čas, ko ponudnik plačilnih storitev sprejme transakcijo, in da ga je treba izrecno ali implicitno sporočiti uporabniku plačilnih storitev.
It is appropriate to define that point in time as the point of acceptance by the payment service provider and to provide that it should be communicated explicitly or implicitly to the payment service user .
(24) Glede na hitrost, s katero sodobni popolnoma avtomatizirani plačilni sistemi obdelujejo plačilne transakcije, kar pomeni, da po določenem času plačilnega naloga ni mogoče preklicati brez visokih stroškov ročnega posredovanja, je treba določiti rok, v katerem plačilni nalog postane nepreklicen , da bi omogočili učinkovito obdelavo, hkrati pa zagotovili pravno gotovost za vse sodelujoče stranke.
(24) In view of the speed with which modern fully automated payment systems process payment transactions, which means that after a certain point payment orders cannot be revoked without high manual intervention costs, it is necessary to specify a point at which a payment order becomes irrevocable in order to allow efficient processing while ensuring legal certainty for all the parties involved.
Primerno je določiti, da je navedeni rok čas, ko ponudnik plačilnih storitev prejme plačilni nalog .
It is appropriate to define that point in time as the point at which the payment order is received by the payment service provider.
Če ponudnik plačilne storitve ni izvršil plačila, bi moral imeti uporabnik plačilne storitve možnost, da lahko zahteva preklic izvršitve plačila.
However, where the payment service provider has not processed the payment it should be possible for the payment service user to request that it not be executed.
(26) Kar zadeva provizije so izkušnje pokazale, da je delitev provizij med plačnikom in prejemnikom plačila najbolj učinkovit sistem, ker pospešuje obdelavo plačil brez ročnega posredovanja.
(26) With regard to fees, experience has shown that the sharing of fees between payer and payee is the most efficient system since it facilitates the straight through processing of payments.
Zato bi bilo treba določiti, da ustrezna ponudnika plačilnih storitev zaračunata provizije neposredno prejemniku plačila in plačniku.
Provision should therefore be made for fees to be levied directly on the payer and the payee by their respective payment service providers.
To pa bi se moralo uporabljati le, če se tako ponudnik plačilnih storitev plačnika kot ponudnik plačilnih storitev prejemnika plačila nahajata v Skupnosti, in če transakcija ne zahteva menjave valut.
However, that should apply only when both the payer’s and the payee’s payment service provider are located in the Community and where the transaction does not require currency exchange.
(26) Kar zadeva provizije so izkušnje pokazale, da je delitev provizij med plačnikom in prejemnikom plačila najbolj učinkovit sistem, ker pospešuje obdelavo plačil brez ročnega posredovanja.
(26) With regard to fees, experience has shown that the sharing of fees between payer and payee is the most efficient system since it facilitates the straight-through processing of payments.
Zato bi bilo treba v običajnem primeru določiti, da ustrezna ponudnika plačilnih storitev zaračunata provizije neposredno prejemniku plačila in plačniku.
Provision should , in the normal course, therefore be made for fees to be levied directly on the payer and the payee by their respective payment service providers.
To pa bi se moralo uporabljati le, če transakcija ne zahteva menjave valut.
However, that should apply only where the transaction does not require currency exchange.
Pri številnih transakcijah v poslovnem ali poklicnem življenju ali na davčnem področju je običajno ali pomembno, da vse stroške prevzame ena stranka.
In many commercial, employment or tax transactions it is customary or essential for one party to bear all the costs.
Zato naj bi bila delitev provizij pravilo,vendar se lahko plačnik ali prejemnik plačila dogovorita s ponudnikom plačilne storitve o izjemah, na podlagi katerih lahko celotne stroške prevzame plačnik ali prejemnik plačila.
Aalthough fee sharing should be the norm, therefore, exceptions allowing the entire costs to be borne by the payer or the payee may be agreed between the payer or payee and their respective payment service provider.
(27) Za izboljšanje učinkovitosti plačil v Skupnosti bi bilo treba določiti obdobje enega dne kot najdaljši rok izvršitve vseh plačil, ki jih sproži plačnik in ne zahtevajo pretvorbe valut , vključno s kreditnimi prenosi in denarnimi nakazili.
(27) In order to improve the efficiency of payments throughout the Community, a maximum one day execution time should be set for all payments initiated by the payer which do not require currency conversion, including credit transfers and money remittances.
Za vsa druga plačila, kakor so plačila, ki jih je začel prejemnik plačila ali so bila začeta preko njega, vključno z direktnimi bremenitvami in plačili s karticami, v odsotnosti izrecnega dogovora med ponudnikom in uporabnikom plačilnih storitve o daljšem roku izvršitve, naj se uporablja rok izvršitve en dan .
For all other payments, such as payments initiated by or through the payee, including direct debits and card payments, in the absence of an explicit agreement between the payment service provider and the payment service user setting a longer execution time, the one-day execution time should apply.
V primeru izključno nacionalnih plačil pa se glede na to, da so nacionalne plačilne infrastrukture ponavadi zelo učinkovite, ter za preprečevanje poslabšanja sedanje ravni kakovosti storitev, sme dovoliti državam članicam, da ohranijo pravila, ki določajo čas izvršitve, krajši kakor en dan.
In the case of purely national payment, however, in view of the fact that national payment infrastructures are often highly efficient and in order to prevent any deterioration in current service levels, Member States should be allowed to maintain rules specifying an execution time shorter than one day.
(27) Za izboljšanje učinkovitosti plačil v Skupnosti bi si bilo treba prizadevati za obdobje dveh dni kot najdaljši rok izvršitve vseh plačil, ki jih sproži plačnik v evrih ali drugih valutah EU , vključno s kreditnimi prenosi in denarnimi nakazili.
(27) In order to improve the efficiency of payments throughout the Community, a maximum two-day execution time should be aimed at all payments initiated by the payer in euro and all other EU currencies , including credit transfers and money remittances.
Za vsa druga plačila, kakor so plačila, ki jih je začel prejemnik plačila ali so bila začeta preko njega, vključno z direktnimi bremenitvami in plačili s karticami, v odsotnosti izrecnega dogovora med ponudnikom in uporabnikom plačilnih storitve o daljšem roku izvršitve, naj se prav tako uporablja rok izvršitve dva dni .
For all other payments, such as payments initiated by or through the payee, including direct debits and card payments, in the absence of an explicit agreement between the payment service provider and the payment service user setting a longer execution time, the two-day execution time should also apply.
V primeru izključno nacionalnih plačil pa se glede na to, da so nacionalne plačilne infrastrukture ponavadi zelo učinkovite, ter za preprečevanje poslabšanja sedanje ravni kakovosti storitev, sme dovoliti državam članicam, da po potrebi ohranijo pravila, ki določajo čas izvršitve, krajši kakor en dan.
In the case of purely national payment, however, in view of the fact that national payment infrastructures are often highly efficient and in order to prevent any deterioration in current service levels, Member States should be allowed to maintain rules specifying an execution time shorter than one day , where appropriate .
Ker trenutno ni mogoče zahtevati investicije v sisteme, ki bi omogočali izvrševanje plačil prej kot ob koncu drugega delovnega dne od dneva izvršitve plačila(D+2), je zaželeno, da bi bile do leta 2014 prejemniku plačila na voljo vse plačilne transakcije prvi delovni dan od dneva izvršitve.
Whereas at present it is not feasible to require investment in systems to facilitate payments more quickly than up to the end of the second business day following the day of execution (D+2), it is desirable that, by 2014, all payment transactions should be available to the payee on the first business day following the day of execution.
(27b) Treba je spodbuditi mobilnost strank kreditnih institucij, zlasti z uvedbo prenosljivega bančnega računa med kreditnimi institucijami ali drugih alternativnih storitev, ki zasledujejo isti cilj, ter z poenostavitvijo odprtja bančnega računa v drugi državi članici
(27b) There is a need to encourage the mobility of credit institutions’ customers, specifically by introducing bank account number portability, or by means of alternative services with the same aim, when changing their credit institution and by simplifying the opening of a bank account in another Member State.
(28) Glede na razlike med pravili, ki urejajo delovanje plačilnih sistemov v Skupnosti in tistimi, ki urejajo plačilne sisteme v tretjih državah, je primerno, da se določbe o izvršitvi za celotni znesek ter času izvršitve omejijo na primere, ko se ponudnika plačilnih storitev plačnika in prejemnika plačila nahajata v Skupnosti.
(28) Given the differences between the rules governing the operation of payment systems within the Community and those governing payment systems in third countries, it is appropriate that the provisions on execution for the full amount and execution time be restricted to cases where the payment service providers both of the payer and of the payee are located in the Community.
(28) Določbe o izvršitvi za celotni znesek ter času izvršitve morajo predstavljati dobro prakso, če se eden od ponudnikov plačilnih storitev ne nahaja v Skupnosti.
(28) The provisions on execution for the full amount and execution time should constitute good practice where one of the payment service providers is not located in the Community.
(29) Za uporabnika plačilnih storitev je nujno, da pozna realne stroške in bremenitve plačilnih storitev, ki mu omogočajo ustrezno izbiro.
(29) It is essential for the payment service user to know the real costs and charges of payment services in order to make an appropriate choice.
V skladu s tem se ne bi smela dovoliti uporaba nepreglednih načinov oblikovanja cen, ker je splošno znano, da te metode uporabnikom zelo otežujejo določanje realne cene plačilne storitve.
Accordingly, the use of non-transparent pricing methods should not be allowed, since it is commonly accepted that those methods make it extremely difficult for users to establish the real price of the payment service.
Uporaba datuma valute v škodo uporabnika ne bi smela biti dovoljena.
Specifically, the use of value dating to the disadvantage of the user should not be permitted.
(29) Za uporabnike plačilnih storitev je nujno, da poznajo realne stroške in bremenitve plačilnih storitev, ki jim omogočajo izbiro.
(29) It is essential for payment service users to know the real costs and charges of payment services in order to make their choice.
(30) Za nemoteno in učinkovito delovanje plačilnega sistema mora uporabnik imeti možnost zanašati se na to, da bo ponudnik plačilnih storitev izvršil plačilno transakcijo pravilno in v dogovorjenem času.
(30) The smooth and efficient functioning of the payment system depends on the user being able to rely on the payment service provider executing the payment transaction correctly and within the agreed time.
Formalno pa ponudniku malo stvari preprečuje, da tega ne bi storil.
However, in formal terms, there is little to prevent the provider from doing so.
Prvič , ponudnik je v položaju, da ocenjuje tveganja, ki jih vsebuje plačilna transakcija, katere izvršitev je sprejel.
First, the provider is in a position to assess the risks involved in the payment transaction which it has accepted for execution.
Drugič , ponudnik je tisti, ki zagotavlja plačilni sistem, pripravi ureditve za odpoklic napačno ali nepravilno dodeljenih sredstev in v večini primerov odloča o posrednikih, ki sodelujejo pri izvršitvi transakcije.
Secondly, it is the provider which provides the payment system, makes arrangements to recall misplaced or wrongly allocated funds and decides in most cases on the intermediaries involved in the execution of a transaction.
Poleg tega veliko število opravljenih plačilnih transakcij olajšuje ponudnikom razdelitev tveganja napak ali nedelovanja v plačilnem sistemu in prikaz tega tveganja v svojih stroških.
Thirdly, the large number of payment transactions carried out makes it easier for the provider to mutualise the risk of errors or malfunctions in the payment system and to reflect that risk in its charges.
Glede na vse to je popolnoma primerno, da se določi dosledna odgovornost ponudnika plačilnih storitev za izvrševanje plačilnih transakcij, ki jih sprejme od uporabnika.
In view of all those considerations, it is entirely appropriate to impose strict liability on the payment service provider in respect of the execution of a payment transaction accepted from the user.
Določbe o strogi obveznosti pa se ne bi smele v celoti uporabljati v primerih, ko se ponudnik plačilnih storitev prejemnika plačila nahaja zunaj Skupnosti.
However, the provisions on strict liability should not apply in full where the payment service provider of the payee is located outside the Community.
Na splošno je ponudnik v položaju, da ocenjuje tveganja, ki jih vsebuje plačilna transakcija, katere izvršitev je sprejel.
Usually, the provider is in a position to assess the risks involved in the payment transaction which it has accepted for execution.
Ponudnik je tisti, ki zagotavlja plačilni sistem, pripravi ureditve za odpoklic napačno ali nepravilno dodeljenih sredstev in v večini primerov odloča o posrednikih, ki sodelujejo pri izvršitvi transakcije.
It is the provider which provides the payment system, makes arrangements to recall misplaced or wrongly allocated funds and decides in most cases on the intermediaries involved in the execution of a transaction.
Glede na vse to je popolnoma primerno, razen v primerih višje sile, da se določi dosledna odgovornost ponudnika plačilnih storitev za izvrševanje plačilnih transakcij, ki jih sprejme od uporabnika.
In view of all those considerations, it is entirely appropriate , except where there is force majeure , to impose strict liability on the payment service provider in respect of the execution of a payment transaction accepted from the user.
(31a) Direktiva bo zagotovila učinkovitost plačilnih instrumentov, ki se v nekaterih državah članicah uporabljajo zelo učinkovito pri številnih letnih plačilnih transakcijah in ki predstavljajo minimalno tveganje za dosego ciljev te direktive.
(31a) This Directive should safeguard the effectiveness of payment instruments, which are used very effectively and in a large number of annual transactions in some Member States and which present negligible risks to the aims of this Directive.
Predlog spremembe se navezuje na zahtevani novi člen 53a, glej tamkajšnjo obrazložitev.
You are referred to the justification to the proposed new Article 53a to which this recital relates.
UVODNA IZJAVA 32
RECITAL 32
(32) Za spodbujanje učinkovitega preprečevanja goljufij in za boj proti goljufijam v zvezi s plačili na celotnem ozemlju Skupnosti, bi bilo treba urediti učinkovito izmenjavo podatkov med ponudniki plačilnih storitev, ki bi morali imeti dovoljenje za zbiranje, obdelavo in izmenjavo osebnih podatkov v zvezi z osebami, ki sodelujejo v goljufiji v zvezi s plačili.
(32) In order to facilitate effective fraud prevention and combat payment fraud across the Community, provision should be made for the efficient exchange of data between payment service providers who should be allowed to collect, process and exchange personal data relating to persons involved in payment fraud.
Vse navedene dejavnosti bi se morale izvajati v skladu z Direktivo Evropskega parlamenta in Sveta 95/46/ES z dne 24. oktobra 1995 o varstvu posameznikov pri obdelavi osebnih podatkov in o prostem pretoku takih podatkov.
All those activities should be conducted in compliance with Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data.
(Ta predlog spremembe ne zadeva slovenske različice.)
(Does not affect the English version.)
(40) Zaradi pravne gotovosti je primerno, da se sprejmejo prehodne ureditve v skladu s katerimi bodo osebe, ki so začele opravljati dejavnosti plačilnih institucije v skladu z nacionalno zakonodajo, ki je veljala pred začetkom veljavnosti te direktivo , v določenem obdobju še naprej opravljale navedene dejavnosti v zadevnih državah članicah.
(40) In the interests of legal certainty, it is appropriate to make transitional arrangements in accordance with which persons who have commenced the activities of payment institutions in accordance with the national law in force before the entry into force of this Directive to continue those activities within the Member State concerned for a specified period.
(40) Zaradi pravne gotovosti je primerno, da se sprejmejo prehodne ureditve v skladu s katerimi bodo pravne osebe, ki so začele opravljati dejavnosti plačilne institucije v skladu z nacionalno zakonodajo, ki je veljala pred začetkom veljavnosti te direktive , v določenem obdobju še naprej opravljale navedene dejavnosti v zadevnih državah članicah.
(40) In the interests of legal certainty, it is appropriate to make transitional arrangements in accordance with which legal persons who have commenced the activities of payment institutions in accordance with the national law in force before the entry into force of this Directive to continue those activities within the Member State concerned for a specified period.
ČLEN 1, ODSTAVEK 1, UVODNI DEL
ARTICLE 1, PARAGRAPH 1, INTRODUCTORY PART
Ta direktiva določa pravila v skladu s katerimi države članice razlikujejo naslednje štiri kategorije ponudnikov plačilnih storitev:
This Directive lays down the rules in accordance with which Member States shall distinguish the following four categories of payment service provider:
Ta direktiva določa pravila, v skladu s katerimi države članice razlikujejo naslednjih pet kategorij ponudnikov plačilnih storitev:
This Directive lays down the rules in accordance with which Member States shall distinguish the following five categories of payment service provider:
ČLEN 1, ODSTAVEK 1, TOČKA (A)
ARTICLE 1, PARAGRAPH 1, POINT (A)
(a) kreditne institucije v smislu Direktive 2000/12/ES;
(a) credit institutions within the meaning of Directive 2000/12/EC;
(a) kreditne institucije v smislu člena 1(1)(a) Direktive 2000/12/ES;
(a) credit institutions within the meaning of Article 1(1)(a) of Directive 2000/12/EC;
ČLEN 1, ODSTAVEK 1, TOČKA (B)
ARTICLE 1, PARAGRAPH 1, POINT (B)
(b) institucije za izdajo elektronskega denarja v smislu Direktive 2000/46/ES;
(b) electronic money institutions within the meaning of Directive 2000/46/EC;
(b) institucije za izdajo elektronskega denarja v smislu člena 1(3)(a) Direktive 2000/46/ES;
(b) electronic money institutions within the meaning of Article 1(3)(a) of Directive 2000/46/EC;
ČLEN 1, ODSTAVEK 1, TOČKA (D)
ARTICLE 1, PARAGRAPH 1, POINT (D)
(d) druge fizične ali pravne osebe, ki so pridobile dovoljenje v skladu s členom 6 te direktive za opravljanje in izvrševanje plačilnih storitev na celotnem ozemlju Skupnosti, v nadaljnjem besedilu „plačilne institucije“ .
(d) other natural or legal persons who have been granted authorisation in accordance with Article 6 of this Directive to provide and execute payment services throughout the Community, hereinafter “payment institutions”.
(d) „plačilne institucije“ v smislu te direktive ;
(d) payment institutions within the meaning of this Directive; .
Poročevalec meni, da ni primerno, da se fizičnim osebam dovoli izvajanje dejavnosti plačilnih institucij.
The rapporteur does not consider it appropriate to allow natural persons to exercise the activities of payments institutions.
ČLEN 1, ODSTAVEK 1, TOČKA (D A) (novo)
ARTICLE 1, PARAGRAPH 1, POINT (D A) (new)
(da) centralne banke, če ne izpolnjujejo nalog, ki so jim dodeljene v členu 105(2) Pogodbe.
(da) central bank,s when they do not fulfil tasks assigned to them in Article 105(2) of the EC Treaty.
Države članice ali njihovi regionalni ali lokalni organi se ne obravnavajo kot ponudniki plačilnih storitev.
or their regional or local authorities shall not be considered to constitute payment service providers.
Ta direktiva določa tudi pravila v zvezi s pogoji glede preglednosti ter ustrezne pravice in obveznosti uporabnikov in ponudnikov v zvezi z opravljanjem plačilnih storitev kot redne ali poklicne dejavnosti.
This Directive also lays down rules concerning transparency conditions, and the respective rights and obligations of users and providers, in relation to the provision of payment services as a regular occupation or business activity.
Ta direktiva določa tudi pravila v zvezi s pogoji glede preglednosti ter ustrezne pravice in obveznosti uporabnikov plačilne storitve in ponudnikov plačilne storitve v zvezi z opravljanjem plačilnih storitev kot redne ali poklicne dejavnosti.
This Directive also lays down rules concerning transparency conditions, and 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.
ČLEN 1, ODSTAVEK 3
ARTICLE 1, PARAGRAPH 3
Centralne banke, ki so monetarne oblasti in javni organi, ki opravljajo plačilne storitve, se ne štejejo za ponudnike plačilnih storitev.
Central banks acting as monetary authorities and public authorities which provide payment services are not considered to be payment service providers.
ČLEN 1, ODSTAVEK 3 A (novo)
ARTICLE 1, PARAGRAPH 3 A (new)
Direktiva se ne uporablja za kreditne zadruge, ki jih ureja nacionalna zakonodaja.
This Directive shall not apply to credit unions that are regulated under national law.
Kreditne zadruge so praviloma mali ponudniki hranilno-posojilnih storitev svojim članom s skupnimi značilnostmi.
Credit unions are generally small-scale providers of savings and loan services to members who share a common bond.
Zadruge imajo pomembno vlogo pri odpravi finančne izključenosti.
They play an important role in combating financial exclusion.
Številne zadruge ne izvajajo svoje dejavnosti vsak dan, zato ne bi bile zmožne izpolniti nekaterih določb direktive o izvajanju dejavnosti.
Many do not operate on a daily basis and therefore would be unable to comply with some of the conduct of business provisions in the directive.
Po svoji naravi so to lokalne institucije, zato je malo verjetno, da bodo izvrševale čezmejne transakcije.
They are by nature local institutions and cross-border transactions are very unlikely to be involved .
Ta direktiva se uporablja samo za poklicne dejavnosti, naštete v prilogi, ki vsebujejo izvrševanje plačilnih transakcij v imenu fizične ali pravne osebe, v nadaljnjem besedilu „plačilne storitve“, pri katerih se vsaj eden od ponudnikov plačilnih storitev nahaja v Skupnosti.
This Directive shall apply only to business activities, listed in the Annex, consisting in the execution of payment transactions on behalf of a natural or legal person, hereinafter “payment services”, where at least one of the payment service providers is located in the Community.