natgillin/translations-raw huggingface dataset:
(3) Na tem področju je bilo sprejetih več aktov Skupnosti , in sicer Direktiva Evropskega parlamenta in Sveta 97/5/ES z dne 27. januarja 1997 o čezmejnih nakazilih, Uredba Evropskega parlamenta in Sveta (ES) št. 2560/2001 z dne 19. decembra 2001 o čezmejnih plačilih v evrih, ki niso v zadostni meri odpravili težav, prav tako jih ni Priporočilo Komisije 87/598/EGS z dne 8. decembra 1987 o kodeksu poslovanja z elektronskimi plačili (odnosi med finančnimi institucijami, trgovci in podjetji za opravljanje storitev ter potrošniki), Priporočilo Komisije 88/590/EGS z dne 17. novembra 1988 o plačilnih sistemih, zlasti pa o povezavi med imetnikom in izdajateljem kartic, Priporočilo Komisije 97/489/ES z dne 30. julija 1997 o transakcijah z elektronskimi plačilnimi instrumenti in zlasti o povezavi med izdajateljem in imetnikom.
(3) Several Community acts have already been adopted in this area , namely, Directive 97/5/EC of the European Parliament and of the Council of 27 January 1997 on cross-border credit transfers and Regulation (EC) No 2560/2001 of the European Parliament and of the Council of 19 December 2001 on cross-border payments in euro, have not sufficiently remedied this situation, any more than have Commission Recommendation 87/598/EEC of 8 December 1987 on a European Code of Conduct relating to electronic payment (relations between financial institutions, traders and service establishments, and consumers), Commission Recommendation 88/590/EEC of 17 November 1988 concerning payment systems, and in particular the relationship between cardholder and card issuer , or Commission Recommendation 97/489/EC of 30 July 1997 concerning transactions by electronic payment instruments and in particular the relationship between issuer and holder.
Vendar ti ukrepi še vedno niso zadostni.
Nonetheless, these measures continue to be insufficient.
Soobstoj nacionalnih predpisov in nepopolnega okvira Skupnosti je vzrok zmede in pomanjkanja pravne gotovosti.
The co‑existence of national provisions and an incomplete Community framework gives rise to confusion and a lack of legal certainty.
(4) Zato je na ravni Skupnosti nujno vzpostaviti sodoben in dosleden pravni okvir za plačilne storitve.
(4) It is vital, therefore, to establish at Community level a modern and coherent legal framework for payment services.
(4) Zato je treba na ravni Skupnosti, ne glede na to ali so storitve skladne s sistemom, ki je temelji na pobudi finančnega sektorja za enotno plačilno območje za plačila v evrih (SEPA) , vzpostaviti sodoben in dosleden pravni okvir za plačilne storitve, ki bo nevtralen ter bo zagotovil enake konkurenčne pogoje za vse plačilne sisteme, da bi potrošnik še naprej imel možnost izbire, kar bi v primerjavi z obstoječimi nacionalnimi sistemi pomenilo bistven korak naprej na področju stroškov, varnosti in učinkovitosti.
(4) It is vital, therefore, to establish at Community level a modern and coherent legal framework for payment services, whether or not the services are compatible with the system resulting from the financial sector initiative for a Single Euro Payments Area (SEPA), that is neutral so as to ensure a level playing field for all payment systems, in order to maintain consumer choice, which should mean a considerable step forward in terms of consumer costs, safety and efficiency, as compared with the present national systems.
Da se stroški uporabnikov plačilnih instrumentov zaradi izvajanja te direktive in vzpostavitve enotnega plačilnega območja ne bi povečali, je treba ves čas zagotoviti nadzor.
There should at all times be safeguards to ensure that the costs of payment instruments to users do not rise as a result of implementing this Directive and establishing a unified payments area (SEPA) .
(6) Vendar pa ni primerno, da navedeni pravni okvir zajame celotno področje.
(6) However, it is not appropriate for that legal framework to be fully comprehensive.
Njegova uporaba naj se omeji na ponudnike, katerih glavna dejavnost je opravljanje plačilnih storitev za uporabnike plačilnih storitev.
Its application should be confined to providers whose main activity consists in the provision of payment services to payment service users.
Prav tako ni primerno, da se uporablja za storitve, pri katerih se prenos sredstev od plačnika k prejemniku plačila ali transport izvrši samo v bankovcih in kovancih ali pri katerih prenos temelji na čeku, računu, zadolžnici ali drugih instrumentih, potrdilih ali karticah, ki se glasijo na ponudnika plačilnih storitev ali drugo stranko zaradi dajanja sredstev na razpolago prejemnika plačila.
Nor is it appropriate for it to apply to services where the transfer of funds from the payer to the payee or its transport is executed solely in bank notes and coins or where the transfer is based on a cheque, bill, promissory note or other instruments, vouchers or cards drawn upon a payment service provider or other party with a view to placing funds at the disposal of the payee.
Čeprav bi se moral pravni okvir uporabljati za uporabnike plačilnih storitev in njihovo povezavo s ponudniki plačilnih storitev pri vsaki uporabi plačilnih storitev, se nekatere določbe ne bi smele uporabljati za transakcije nad določenim zneskom, ker se bo lahko uporabnik s ponudnikom plačilnih storitev dogovoril o natančnejših in ustreznejših pogojih.
Although the legal framework should apply to payment service users and their relationship with payment service providers whenever they use payment services, some provisions should not apply to transactions above a certain amount since the user is likely to be in a position to negotiate more specific and more appropriate terms and conditions with the payment service provider.
Čeprav bi se moral pravni okvir uporabljati za uporabnike plačilnih storitev in njihovo povezavo s ponudniki plačilnih storitev pri vsaki uporabi plačilnih storitev, se nekatere določbe ne bi smele uporabljati za transakcije nad določenim zneskom in ki jih opravljajo podjetja , ker se bo lahko uporabnik s ponudnikom plačilnih storitev dogovoril o natančnejših in ustreznejših pogojih.
Although the legal framework should apply to payment service users and their relationship with payment service providers whenever they use payment services, some provisions should not apply to transactions above a certain amount carried out by enterprises since the user is likely to be in a position to negotiate more specific and more appropriate terms and conditions with the payment service provider.
(8) Za odpravo pravnih ovir za vstop na trg pa je treba določiti enotno dovoljenje za vse ponudnike plačilnih storitev, ki niso povezani s sprejemanjem depozitov ali izdajanjem elektronskega denarja.
(8) However, in order to remove legal barriers to market entry, it is necessary to establish a single licence for all providers of payment services which are not connected to taking deposits or issuing e-money.
Zato je primerno, da se uvede četrta kategorija ponudnikov storitev, v nadaljnjem besedilu „plačilne institucije“, tako da se predvidi izdajanje dovoljenj za opravljanje plačilnih storitev na celotnem ozemlju Skupnosti fizičnim in pravnim osebam zunaj obstoječih kategorij, ob upoštevanju vrste strogih in obsežnih pogojev.
It is appropriate, therefore, to introduce a fourth category of service provider, hereinafter “payment institutions”, by providing for the authorisation, subject to a set of strict and comprehensive conditions, of natural or legal persons outside the existing categories to provide payment services throughout the Community.
Tako bi se za tovrstne storitve uporabljali enaki pogoji na celotnem ozemlju Skupnosti.
Thus, the same conditions would apply Community-wide to such services.
Zato je primerno, da se uvede nova kategorija ponudnikov storitev, v nadaljnjem besedilu „plačilne institucije“, tako da se predvidi izdajanje dovoljenj za opravljanje plačilnih storitev na celotnem ozemlju Skupnosti pravnim osebam zunaj obstoječih kategorij, ob upoštevanju vrste strogih in obsežnih pogojev.
It is appropriate, therefore, to introduce a new category of service provider, hereinafter “payment institutions”, by providing for the authorisation, subject to a set of strict and comprehensive conditions, of legal persons outside the existing categories to provide payment services throughout the Community.
(9) Pogoji za izdajanje dovoljenj in ohranjanje dovoljenja za kreditne institucije morajo vsebovati bonitetne zahteve, sorazmerne z operativnimi in finančnimi tveganji, s katerimi se soočajo taki organi pri svojem poslovanju.
(9) The conditions for the granting and maintenance of authorisation as payment institutions should include prudential requirements proportionate to the operational and financial risks faced by such bodies in the course of their business.
Navedene zahteve naj upoštevajo dejstvo, da se plačilne institucije ukvarjajo z bolj specializiranimi in omejenimi dejavnostmi in pri tem ustvarjajo tveganja, ki so ožja in jih je lažje spremljati in nadzorovati kakor tista, ki nastanejo pri celotnem spektru dejavnosti kreditnih institucij.
Those requirements should reflect the fact that payment institutions engage in more specialised and restricted activities, thus generating risks that are much narrower and easier to monitor and control than those that arise across the spectrum of activities of credit institutions.
Plačilne institucije ne bi smele sprejemati depozitov od uporabnikov in bi jim moralo biti dovoljeno uporabljati samo sredstva, prejeta od uporabnikov za opravljanje plačilnih storitev.
In particular, payment institutions should be prohibited from accepting deposits from users and permitted to use only funds accepted from users for rendering payment services.
Treba bi bilo določiti, da se sredstva strank vodijo ločeno od sredstev, ki jih ima plačilna institucija za druge poslovne dejavnosti.
Provision should be made for client funds to be kept separate from the payment institution’s funds for other business activities.
Za plačilne institucije bi se morale uporabljati tudi učinkovite zahteve za preprečevanje pranja denarja in financiranja terorizma.
Payment institutions should also be made subject to effective anti-money laundering and anti terrorist financing requirements.
Pri tem je treba zagotoviti, da se enaka tveganja obravnavajo na enak način za vse ponudnike plačilnih storitev.
Here there is a need to ensure that the same risks are treated the same way for all payment service providers.
Zahteve za plačilne institucije naj upoštevajo dejstvo, da se plačilne institucije ukvarjajo z bolj specializiranimi in omejenimi dejavnostmi in pri tem ustvarjajo tveganja, ki so ožja in jih je lažje spremljati in nadzorovati kakor tista, ki nastanejo pri širšem spektru dejavnosti kreditnih institucij.
The requirements for the payment institutions should reflect the fact that payment institutions engage in more specialised and restricted activities, thus generating risks that are narrower and easier to monitor and control than those that arise across the broader spectrum of activities of credit institutions.
(9a) Ker je pomembno zagotoviti finančno stabilnost plačilnih institucij, ni primerno, da institucije dajejo posojila, kot na primer hipotekarna posojila ali srednjeročna potrošniška posojila, saj je to tesno povezano z bančnim poslovanjem.
(9a) Whereas it is important to guarantee the financial stability of payment institutions, it is not appropriate for payments institutions to make loans, such as property mortgage loans or medium-term consumer finance loans, as this is closely allied to banking business.
Če je kredit odobren za omogočanje plačilnega poslovanja in na kratkoročni osnovi, na primer pri izdaji kreditnih kartic, ali je drugače tesno povezan s plačilnim poslovanjem plačilne institucije, je odobritev kredita primerna, če ga bo institucija odplačevala iz lastnih sredstev, ne pa iz sredstev, ki jih hrani za izvrševanje plačil v imenu svojih strank.
However, where credit is granted in order to facilitate payments business and is of a short-term nature, e.g. when issuing credit cards, or is otherwise closely linked to the payments business of the payments institution, it is appropriate to permit it where it is refinanced using the payments institution's own funds, and not the funds held on behalf of clients for payments business.
(10) Države članice morajo imenovati pristojne organe za izdajanje dovoljenj plačilnim institucijam, za opravljanje stalnih kontrol in za odločanje glede odvzema dovoljenj.
(10) It is necessary for the Member States to designate the authorities responsible for granting authorisation to payment institutions, for carrying out on-going controls and for deciding whether to withdraw authorisation.
Zaradi zagotavljanja enake obravnave države članice ne bi smele uporabljati nobenih zahtev za plačilne institucije razen tistih, ki so navedene v tej direktivi.
In order to ensure equality of treatment, Member States should not apply any requirements to payment institutions other than those provided for in this Directive.
Vse odločitve pristojnih organov pa mora biti mogoče izpodbijati na sodiščih.
However, all decisions made by the competent authorities should be contestable before the courts.
Poleg tega naloge pristojnih organov ne bi smele posegati v pregled nad delovanjem plačilnih sistemov, kar je v skladu s četrto alineo člena 105(2) Pogodbe naloga, ki jo mora opravljati Evropski sistem centralnih bank.
In addition, the tasks of the competent authorities should be without prejudice to the oversight of payment systems, which, according to the fourth indent of Article 105(2) of the Treaty, is a task to be carried out by the European System of Central Banks.
(10) Logično je, da države članice imenujejo kot pristojne organe za izdajanje dovoljenj plačilnim institucijam, za opravljanje stalnih kontrol in za odločanje glede odvzema dovoljenj organe, ki opravljajo enake naloge v primeru kreditnih institucij .
(10) It is consistent for the Member States to designate as the authorities responsible for granting authorisation to payment institutions, for carrying out on-going controls and for deciding whether to withdraw authorisation, the authorities that perform the same functions with regard to credit institutions .
(14) Ta direktiva se ne bi smela uporabljati za plačilne transakcije, izvedene v gotovini, ali za tiste , ki temeljijo na papirnih čekih, saj jih zaradi njihove narave ni mogoče obdelovati tako učinkovito kakor druga plačilna sredstva, na primer elektronska plačila .
(14) This Directive should not apply to payment transactions made in cash or to those based on paper cheques since, by their nature, they cannot be processed as efficiently as other means of payment , in particular electronic payments .
(14) Ta direktiva se ne bi smela uporabljati za plačilne transakcije, izvedene v gotovini, ker enotni plačilni trg za gotovino že obstaja.
(14) This Directive should not apply to payment transactions made in cash since a Single Payments Market for cash already exists.
Ta direktiva se prav tako ne bi smela uporabljati za plačilne transakcije , ki temeljijo na papirnih čekih, saj jih zaradi njihove narave ni mogoče obdelovati tako učinkovito kakor druga plačilna sredstva.
This Directive should also not apply to those payment transactions based on paper cheques since, by their nature, they cannot be processed as efficiently as other means of payment.
Vendar mora dobra praksa na tem področju temeljiti na načelih iz te direktive.
Good practice in this area should, however, be based on the principles set out in this Directive.
(15) Pravila glede preglednosti pogojev za plačilne storitve, ki jih vsebuje ta direktiva, ter pravila o pravicah in obveznostih, povezanih z opravljanjem in uporabljanjem plačilnih storitev, se ne bi smela uporabljati, če znesek plačilne transakcije presega 50.000 EUR, ker se plačila nad tem zneskom ponavadi ne obdelujejo na enak način, se pogosto usmerjajo preko drugačnih mrež, zanje pa se uporabljajo drugačni tehnični in pravni postopki, ki jih je treba ohraniti.
(15) The rules contained in this Directive on transparency of conditions for payment services and those on rights and obligations linked to the provision and use of payment services should not apply where the amount of a payment transaction exceeds EUR 50 000 because payment above this amount are not generally processed on the same way, are often channelled through different networks and are submitted to different technical and legal procedures that should be maintained.
(18) Zahtevane informacije naj bodo sorazmerne s potrebami uporabnikov in sporočene na standarden način.
(18) The information required should be proportionate to the needs of users and communicated in a standard manner.
Zahteve po informacijah za posamezno plačilno transakcijo pa naj se razlikujejo od tistih za okvirni sporazum , ki predvideva vrsto plačilnih transakcij.
However, the information requirements for a single payment transaction should be different from those for a framework agreement which provides for a series of payment transactions.
Zahteve po informacijah za posamezno plačilno transakcijo pa naj se razlikujejo od tistih za okvirno pogodbo , ki predvideva vrsto plačilnih transakcij.
However, the information requirements for a single payment transaction should be different from those for a framework contract which provides for a series of payment transactions.
Zagotovitev skladnosti besedila.
In order to assure the coherence of the text.
(21) Da bi uporabnike plačilnih storitev spodbudili, da svojega ponudnika plačilnih storitev nemudoma obvestijo o kraji ali izgubi instrumenta za preverjanje plačila in tako zmanjšajo tveganje neodobrenih transakcij, naj bodo uporabniki odgovorni samo za omejeni znesek do časa, ko obvestijo ponudnika plačilnih storitev o izgubi ali kraji, razen če njihovo ravnanje kaže na goljufijo ali hudo malomarnost.
(21) In order to provide an incentive for the payment service user to notify his provider of any theft or loss of a payment verification instrument without undue delay and thus to reduce the risk of unauthorised transactions, the user should be liable only for a limited amount until such time as he notifies the payment service provider of the loss or theft, unless the payment service user has acted fraudulently or with gross negligence.
Poleg tega, ko uporabnik obvesti ponudnika plačilne storitve, da bi lahko bil njegov instrument za preverjanje plačila ogrožen, se od uporabnika ne bi smelo zahtevati, da krije kakršne koli dodatne izgube, ki so posledica nedovoljene uporabe navedenega instrumenta.
Moreover, once a user has notified a payment service provider that his payment verification instrument may have been compromised, the user should not be required to cover any further losses stemming from unauthorised use of that instrument.
Če uporabnikov instrument za preverjanje plačila ni bil izgubljen ali ukraden, uporabnik ne bi smel nositi nobenih finančnih posledic nedovoljene uporabe.
If the user’s payment verification instrument has not been lost or stolen, he should not bear any financial consequence of unauthorised use.
Poleg tega, ko uporabnik obvesti ponudnika plačilne storitve, da bi lahko bil njegov instrument za preverjanje plačila ogrožen, se od uporabnika ne bi smelo zahtevati, da krije kakršne koli dodatne izgube, ki so posledica nedovoljene uporabe navedenega instrumenta.
Moreover, once a user has notified a payment service provider that his payment verification instrument may have been compromised, the user should not be required to cover any further losses stemming from unauthorised use of that instrument .
Ponudniki plačilnih storitev so odgovorni za tehnično varnost lastnih proizvodov.
Payment service providers are responsible for technical security of their own products.
(21a) V primeru nepooblaščene uporabe instrumentov za preverjanje, se za hudo malomarnost med drugim šteje naslednje vedenje:
(21a) In case of unauthorised use of verification instruments, the following behaviour should, inter alia, be considered to constitute gross negligence:
– imetnik je navedel svojo osebno identifikacijsko številko ali katero koli drugo kodo v lahko prepoznavni obliki, zlasti na instrumentu za elektronski prenos sredstev ali na predmetu ali dokumentu, ki ga je hranil ali nosil skupaj z instrumentom, in
- the noting by the holder of his personal identification number or any other code in an easily recognisable form, in particular on the electronic funds transfer instrument or on an object or document kept or carried by the holder with the instrument, and
– imetnik ni obvestil izdajatelja, da je bil instrument izgubljen ali ukraden, takoj ko je to ugotovil.
- the holder's failure to notify the issuer that the instrument had been lost or stolen as soon as this came to his notice.
Za oceno malomarnosti uporabnika plačilnih storitev je treba upoštevati vse okoliščine.
In order to assess the payment service user’s negligence, account should be taken of all the circumstances.
Navedena dokazila, ki jih predloži izdajatelj, in uporaba plačilnega instrumenta s kodo, ki jo pozna samo imetnik, ne zadostujejo, da bi lahko na njihovi podlagi sklepali o malomarnosti imetnika.
The production by the issuer of the records mentioned and the use of the payment instrument with the code known only to the holder should not be considered sufficient evidence of the holder’s negligence.
Splošni pogodbeni pogoji v zvezi s ponudbo in uporabo instrumentov o elektronskem prenosu sredstev, ki bi povečali dokazno breme za potrošnika ali zmanjšali dokazno breme za izdajatelja, so nični in neveljavni.
Contractual terms and conditions relating to the provision and use of the electronic funds transfer instrument, the effect of which would be to increase the burden of proof on the consumer or to reduce the burden of proof on the issuer should be considered null and void.
Predlog spremembe temelji na predlogu spremembe 63 pripravljavke mnenja in ga je treba obravnavati kot uvodno izjavo, ki pojasnjuje člen 46.
The amendment is based on amendment 63 of the draftswomen and should be taken as a recital explaining Article 46.
(22) Treba bi bilo predvideti razporejanje izgub v primeru neodobrenih plačilnih transakcij.
(22) Provision should be made for the allocation of losses in the case of unauthorised payment transactions.
Navedene določbe pa se ne bi smele uporabljati za tiste uporabnike plačilne storitve, ki so podjetja, katerih velikost presega velikost mikropodjetja, kakor je opredeljena v Priporočilu Komisije 2003/361/ES z dne 6. maja o opredelitvi mikro, majhnih in srednje velikih podjetij, kakor je bila objavljena v Uradnem listu Evropske unije dne 20. maja 2003 23 , ker so taka podjetja ponavadi v položaju, ki jim omogoča presojo tveganja goljufije in sprejetje izravnalnih ukrepov.
However, those provisions should not apply to payment service users which are enterprises exceeding the size of a micro enterprise as defined by Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises, as published in the Official Journal of the European Union on 20 May 2003 23 , since such enterprises are normally in a position to assess the risk of fraud and take countervailing measures.
Različne določbe se lahko uporabljajo za tiste uporabnike plačilne storitve, ki so profesionalni uporabniki, ker so taki uporabniki ponavadi v položaju, ki jim omogoča presojo tveganja goljufije in sprejetje izravnalnih ukrepov.
Different provisions may apply to payment service users who are professional users, since such users are normally in a position to assess the risk of fraud and take countervailing measures.
Podjetja izvršujejo več plačil kot potrošniki, torej se bo statistično gledano pri njih pojavilo večje število napak.
Corporates execute more payments than consumers so statistically will be subject to more errors.
Uživali naj bi podobno zaščito, v primeru izgub pa prevzeli večji delež.
They should also enjoy similar protection but bearing larger shares of losses.