natgillin/translations-raw huggingface dataset:
Države članice smejo še nadalje zmanjšati navedeni največji znesek , če se to zmanjšanje ne uporablja za ponudnike plačilnih storitev z dovoljenjem v drugih državah članicah .
Member States may reduce that maximum amount further provided that such reduction does not apply to payment service providers authorised in other Member States.
ČLEN 51, ODSTAVEK 2, PODODSTAVEK 2
ARTICLE 51, PARAGRAPH 2, SUBPARAGRAPH 2
Člen 50(3) se uporablja za elektronski denar, če je ponudnik plačilnih storitev tehnično zmožen zamrzniti ali preprečiti nadaljnjo potrošnjo elektronskega denarja, shranjenega na elektronski napravi.
Article 50(3) shall apply to electronic money in so far as the payment service provider is technically in a position to freeze or prevent further spending of the electronic money stored on an electronic device.
Odstavek 2(2) se črta.
Paragraph 2(2) should be deleted.
Za omenjeni elektronski denar velja, da je enak gotovini, zato ga ta instrument ne ureja.
The electronic money referred to here should be regarded as equivalent to cash and should therefore not be regulated by this instrument.
ČLEN 52, ODSTAVEK 1, UVODNI DEL
ARTICLE 52, PARAGRAPH 1, INTRODUCTORY PART
Države članice zagotovijo, da plačnik, ki ravna v dobri veri , ima pravico do povračila odobrene plačilne transakcije, ki je bila že izvršena, če so izpolnjeni naslednji pogoji:
Member States shall ensure that a payer acting in good faith is entitled to a refund of an authorised payment transaction which has already been executed, if the following conditions are met:
Države članice zagotovijo, da ima plačnik pravico do povračila odobrene plačilne transakcije, ki je nastala na podlagi navodil prejemnika plačila in je bila že izvršena, če so izpolnjeni naslednji pogoji:
Member States shall ensure that a payer is entitled to a refund of an authorised payment transaction which has arisen from instructions from the payee and has already been executed, if the following conditions are met:
Besedna zveza "ravna v dobri veri", uporabljena v členu 52, se črta, saj je goljufivo ravnanje v vsakem primeru izključeno.
The concept of 'acting in good faith' used in Article 52 should be deleted, as acts with fraudulent intent are in any case excluded.
V nasprotnem primeru bi morala biti ta informacija vključena v vsak zakonodajni instrument.
Otherwise this formulation would have to be included in every legislative instrument.
Poleg tega je povračilna klavzula primerna le za transakcije na zahtevo, to je za tiste, pri katerih da pobudo za plačilo prejemnik plačila in jih zato v času plačila plačnik ne more kontrolirati.
Moreover, the refund clause is appropriate only for pull transactions, i.e. those where the payment is initiated by the payee and therefore cannot be monitored by the payer at the time of the payment.
Le v tem primeru obstaja potreba po zaščiti plačnika.
It is only in this case that the payer requires protection.
ČLEN 54, ODSTAVEK 1, PODODSTAVEK 1, TOČKI (I) IN (II)
ARTICLE 54, PARAGRAPH 1, SUBPARAGRAPH 1, POINTS (I) AND (II)
(i) ponudnik plačilnih storitev plačnika je prejel plačilni nalog;
(i) the payment service provider of the payer has received the payment order;
(ii) ponudnik plačilnih storitev plačnika je opravil potrditev naloga, vključno z morebitnim pregledom razpoložljivosti sredstev;
(ii) the payment service provider of the payer has completed authentication of the order, including a possible check on the availability of funds;
V členu 54(1) je treba pojasniti, na katere osebe se nanašata točki (i) in (ii).
Article 54(1) requires clarification as regards which person points (i) and (ii) refer to.
ČLEN 57, ODSTAVEK 2
ARTICLE 57, PARAGRAPH 2
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.
V primeru drugih plačilnih transakcij lahko plačnik in prejemnik plačila s svojimi ponudniki plačilnih storitev skleneta različne sporazume .
In the case of other payment transactions, the payer and the payee may conclude with their payment service providers agreements which differ .
Različne sporazume je mogoče skleniti le med dejanskimi pogodbenimi partnericami.
It is only between the actual contracting parties that it is possible for differing agreements to be concluded.
V tem primeru sta zadevni stranki plačnik in prejemnik plačila na eni strani ter njuna ponudnika plačilnih storitev na drugi strani.
In this case, the parties concerned are the payer and the payee, on the one hand, and their respective payment service providers on the other.
ČLEN 58, ODSTAVEK 2
ARTICLE 58, PARAGRAPH 2
Črtanje samodejno sledi omejitvi področja uporabe direktive v členu 2.
The deletion follows automatically from the limitation of the scope of the Directive in Article 2.
Ni razloga, da se mikro plačila ne bi izvajala tako hitro kot druga plačila.
There is no reason to execute micro payments not as fast as other payments .
ČLEN 60, ODSTAVEK 1
ARTICLE 60, PARAGRAPH 1
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.
Države članice zahtevajo, da plačnikov ponudnik plačilnih storitev s 1. januarjem 2012 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.
With effect from 1 January 2012, 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.
S predlogom spremembe se ohrani standardni čas za izvršitev d+1, kot ga je predlagala Komisija, ki pa bo obvezujoč šele po 1. januarju 2012.
This amendment retains the standard execution time of d+1 proposed by the Commission, but this execution time should be compulsory only from 1 January 2012.
Da bi strankam omogočili večjo izbiro in da male ponudnike, ki ne razpolagajo z lastnim neposrednim dostopom do transakcijskega plačilnega sistema, ne bi že vnaprej izključili iz trga, morajo biti še naprej možni različni posamezni sporazumi.
However, in order to allow the customer greater choice and not a priori to exclude from the market small economic operators who do not have their own direct access to a payment transaction system, a differing individual agreement should remain possible.
ČLEN 61, ODSTAVEK 1
ARTICLE 61, PARAGRAPH 1
Za plačilno transakcijo, ki jo je začel prejemnik plačila ali je bila začeta preko njega, države članice zahtevajo, da plačnikov ponudnik plačilnih storitev zagotovi, da se po času sprejema naročeni znesek knjiži v dobro ponudniku plačilnih storitev prejemnika plačila, najpozneje ob koncu prvega delovnega dne po datumu sprejema s strani plačnikovega ponudnika plačilnih storitev , 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 payer's payment service provider to ensure that, after the point of time of acceptance, the amount ordered is credited to the payee’s payment service provider payment account at the latest at the end of the first working day following the day on which the point in time of acceptance by the payer's payment service provider falls, unless otherwise explicitly agreed between the payee and his payment service provider.
Zaradi varstva potrošnikov se mora finančna transakcija izvršiti tako hitro, kot je tehnično mogoče.
For consumer protection reasons, a financial transaction should be executed as fast as technically possible.
ČLEN 63
ARTICLE 63
V primeru gotovinskih pologov uporabnika plačilnih storitev na lasten račun, ponudnik plačilnih storitev zagotovi, da se znesek knjiži v dobro najkasneje naslednji delovni dan po prejemu sredstev.
In the case of a cash deposit by the payment service user into his own account, the payment service provider shall ensure that the amount is credited at the latest on the next working day after receipt of the funds.
Če uporabnik plačilnih storitev položi gotovino na lasten račun, ponudnik plačilnih storitev zagotovi, da se znesek knjiži v dobro najkasneje naslednji delovni dan po prejemu sredstev.
Where a payment service user puts cash on his own account, the payment service provider shall ensure that the amount is credited at the latest on the next working day after receipt of the funds.
Navedba gotovinskega pologa bi pomenila, da bi plačilne institucije lahko sprejemale pologe, kar ni v skladu z izraženo namero, da plačilne institucije ne morejo sprejemati pologov.
The reference to cash deposit implies that payment institutions could be deposit takers, which is not consistent with the stated intention that PI should not take deposits.
Predlog spremembe
Amendment 7
ČLEN 64
ARTICLE 64
Nacionalne plačilne transakcije
National payment transactions
Za popolnoma nacionalne plačilne transakcije države članice lahko predvidijo krajši najdaljši čas izvršitve od tistega, ki je predviden v tem oddelku.
For purely national payment transactions, Member States may provide for shorter maximum execution times than those provided for in this Section.
Ob upoštevanju, da je predviden čas izvršitve d+1, je ta določba pretirana, poleg tega pa bi bila v nasprotju s ciljem popolne uskladitve.
Bearing in mind that the execution time provided for is d+1, this provision seems excessive; moreover, it would be contrary to the objective of full harmonisation.
ČLEN 65, NASLOV
ARTICLE 65, TITLE
Razpoložljivost prilivov na plačilnem računu
Availability of incoming funds on a payment account
V skladu z omejitvijo zaključitve izvršitve plačila v dobro institucije, ki ga prejme, kot to določa člen 60, bi morale določbe o kreditiranju zaradi doslednosti veljati za vse zneske, knjižene v dobro ali v breme prejemnika plačila.
In accordance with the limitation of the completion of the payment to the receipt of the payment by the institution receiving it, as proposed in Article 60, the provisions on crediting ought, in the interests of consistency, to apply to the crediting or payment of all amounts received to the payee.
To bi služilo pravilnemu razlikovanju med obveznostmi plačnikovega ponudnika storitev in obveznostmi ponudnika storitev prejemnika plačil (pravna jasnost).
Overall, this would serve to differentiate correctly between the obligations of the payer's service provider and those of the payee's service provider (legal clarity).
ČLEN 65, ODSTAVEK 2
ARTICLE 65, PARAGRAPH 2
Odstavek 2 se črta, ker besedilo nima nobenega posebnega pomena, saj navaja le očitno.
Paragraph 2 should be deleted, because the formulation serves no definable purpose beyond stating the obvious.
ČLEN 65, ODSTAVEK 3, PODODSTAVEK 2 A (novo)
ARTICLE 65, PARAGRAPH 3, SUBPARAGRAPH 2 A (new)
Stranka, ki izda plačilni nalog, lahko zahteva, da je datum valutacije kasnejši od datuma izdaje plačilnega naloga.
The party issuing an instruction may require a later value date than the date of entry.
Poznejši datum valutacije bi bil v skladu s splošno prakso preprečevanja preobremenjevanja sistema prenosa sredstev na koncu četrtletja ali leta, ki nastane zaradi plačil, vezanih na določen dan.
A later value date would accord with the common practice of preventing overloading of the transfer system at the end of a quarter or of a year arising from payments due at a particular time.
ČLEN 65, ODSTAVEK 4
ARTICLE 65, PARAGRAPH 4
Ker varčevalni računi v nobenem primeru niso opredeljeni kot tekoči računi, zanje ni potrebno predpisovanje, zato se lahko odstavek 4 črta.
As savings accounts are in any case not classified as payment accounts, there is no need for regulation, so that paragraph 4 can be deleted.
Zadnji stavek odstavka 1 se črta, saj ni opredeljeno, kaj je mišljeno s "po možnosti" .
The last sentence of paragraph 1 should be deleted, particularly as what is meant by 'possible' is not defined.
ČLEN 67, ODSTAVEK 1
ARTICLE 67, PARAGRAPH 1
Po datumu sprejema plačilnega naloga v skladu s členom 54(1) je ponudnik plačilnih storitev odgovoren za neizvršitev ali napačno izvršitev plačilne transakcije, izvedene v skladu z oddelkom 1.
After the point in time of acceptance in accordance with Article 54(1), a payment service provider shall be liable for the non-execution or defective execution of a payment transaction made in accordance with Section 1.
Poleg tega je ponudnik plačilnih storitev dosledno odgovoren za vse stroške, in za vse obresti, ki se zaračunajo uporabniku plačilnih storitev kot posledica neizvršitve ali napačne izvršitve plačilne transakcije.
In addition, the payment service provider shall be strictly liable for any charges, and for any interest charged to the payment service user as a consequence of the non execution or defective execution of the payment transaction.
Poleg tega je ponudnik plačilnih storitev odgovoren za vse stroške, in za vse obresti, ki se zaračunajo uporabniku plačilnih storitev kot posledica neizvršitve ali napačne izvršitve plačilne transakcije.
In addition, the payment service provider shall be liable for any charges, and for any interest charged to the payment service user as a consequence of the non‑execution or defective execution of the payment transaction.
ČLEN 67, ODSTAVEK 2
ARTICLE 67, PARAGRAPH 2
Če je plačilni nalog izvršen pravilno, uporabnik plačilnih storitev krije s tem povezane stroške.
If the payment order has been executed correctly, the payment service user shall bear the costs of showing this .
Obveznost, predvidena v odstavku 2, da ponudnik dokaže pravilnost izvršitve plačilnega naloga, je sprejemljiva, če s tem povezane stroške v primeru izvršitve brez napak krije uporabnik.
The burden of proof on the service provider, for which paragraph 2 provides, can be accepted provided that the costs involved are borne by the user if the order is executed correctly.
ČLEN 76
ARTICLE 76
V skladu s postopkom iz člena 77(2) lahko Komisija posodobi zneske iz členov 2(1), 21(1)(a), 38 in 50(1), da bi upoštevali inflacijo in večje spremembe na trgu.
The Commission may, in accordance with the procedure referred to in Article 77(2), update the amounts specified in Articles 2(1), 21(1)(a), 38 and 50(1) in order to take account of inflation and significant market developments.
Vsaka sprememba Priloge bi imela za posledico precejšnjo spremembo področja uporabe.
Any amendment to the annex would result in a substantial alteration of the scope.
Ključni element direktive je opredelitev dejavnosti plačilnih institucij.
Establishing the activities of payment institutions is a key element of the Directive.
Ker lahko imajo vprašanja v zvezi s področjem uporabe znaten vpliv na varstvo pravic potrošnikov, do take spremembe ne sme priti brez postopka soodločanja.
As these issues regarding its scope may have a considerable impact on the protection of the rights of consumers, such an amendment must not bypass the codecision procedure.
Uvedba novega plačilnega instrumenta se praviloma ne zgodi v tako kratkem času, da evropski zakonodajalec na to ne bi mogel odgovoriti s spremembo te direktive.
As a rule, when new payment instruments are introduced, this does not happen at such short notice that the European legislator would be unable to respond by amending this Directive.
Ta del člena je zato odveč in bi ga bilo treba v celoti črtati.
This part of the article is therefore superfluous and should be deleted in its entirety.
Ustrezno pa se dopolni drugi stavek.
The second sentence should be supplemented accordingly.
Predlog direktive Evropskega parlamenta in Sveta o plačilnih storitvah na notranjem trgu in o spremembi direktiv 97/7/ES, 2000/12/ES in 2002/65/ES
Proposal for a directive of the European Parliament and of the Council on payment services in the internal market and amending Directives 97/7/EC, 2000/12/EC and 2002/65/EC
Predlog direktive o plačilnih storitvah na notranjem trgu je namenjen povečanju konkurenčnosti in izboljšanju ekonomij obsega, ki bi morale podpirati doseganje lizbonskih ciljev.
The proposal for a directive on payment services in the internal market is aimed at improving economies of scale and increasing competition, which should support the achievement of the Lisbon objectives.
Oblikovanje skupnega pravnega okvira bi za potrošnike pomenilo večjo preglednost in večjo izbiro na trgu plačilnih storitev, hkrati pa bo zahtevalo precejšnja vlaganja s strani ponudnikov storitev in podjetij.
Establishing a common legal framework is supposed to allow the consumers to benefit from better transparency and greater choice in the payment services market, but will also require significant investments from services providers and businesses.
Kot odziv na predlog Komisije se je razvila zavzeta razprava o zaželenosti in možnih učinkih določb iz tega predloga.
In response to the Commission’s proposal, there is intensive discussion taking place as to the desirability and potential effects of its provisions.
Pričujoče mnenje, upoštevajoč obseg pristojnosti Odbora za pravne zadeve, vsebuje predloge sprememb v zvezi s obsegom direktive, najočitnejšimi izboljšavami na področju njene pravne jasnosti kot tudi določenimi institucionalnimi določbami, kot je denimo tista o uvedbi tako imenovanega postopka komitologije.
With regard to the scope of Committee on Legal Affairs’ competence, this Opinion contains amendments related to the scope of the directive, the most obvious improvements in legislative clarity, as well as certain institutional provisions, such as the one introducing the so-called comitology procedure.
Vaš pripravljavec mnenja podpira izbiro pravne podlage za to mnenje, kot tudi izbiro direktive (in ne uredbe) za usklajevanje različnih nacionalnih določb o plačilnih storitvah.
Your draftsman supports the choice of legal base for this proposal, as well as the choice of directive rather than a regulation to harmonise the various national provisions on payment services.
V zvezi s cilji o poenostavljanju zakonodaje izraža vaš pripravljavec mnenja zaskrbljenost zaradi zamujene priložnosti za razveljavitev ali spremembo Uredbe 2560/2001 o čezmejnih plačilih v evrih, kar bi omejilo število zakonodajnih aktov, ki urejajo to področje evropskega gospodarstva.
Taking the simplification objectives under consideration, your draftsman is nonetheless concerned about the missed opportunity to repeal or amend also Regulation 2560/2001 on cross-border payments in euro, thus limiting the number of legislative acts that regulate this area of European economy.
Ne glede na nenavadnost takšnega postopka bi moral Parlament od Komisije zahtevati, da vključi določbe Uredbe 2560/2001, ki bi morale ostati veljavne, v poseben naslov predlagane direktive, vključno s klavzulo o razveljavitvi.
Although it is possibly an unusual procedure, the Parliament should insist that the Commission incorporate those provisions of Regulation 2560/2001 that should remain in force in a separate article of the proposed directive, including a repeal clause.
Zato pričujoče mnenje vsebuje predloge sprememb, ki s spremembo naslova, ustrezne uvodne izjave ter z uvedbo novega člena delujejo v tej smeri, vendar so oblikovani na način, ki jasno izraža voljo Parlamenta, ampak ne v obliki končnega zakonodajnega predloga.
With this in mind, the present opinion contains amendments that initiate such an exercise, by modifying the title and a relevant recital and introducing a new article, formulated in such a way that the will of the Parliament is clearly stated, but not as a final legislative proposal.
DIREKTIVA EVROPSKEGA PARLAMENTA IN SVETA
Proposal for a DIRECTIVE OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL
o plačilnih storitvah na notranjem trgu
on payment services in the internal market
o plačilnih storitvah na notranjem trgu,
on payment services in the internal market ,
in o spremembi direktiv 97/7/ES, 2000/12/ES in 2002/65/ES
and amending Directives 97/7/EC, 2000/12/EC and 2002/65/EC
o razveljavitvi Direktive 97/5/ES in Uredbe (ES) št. 2560/2001 in o spremembi direktiv 97/7/ES, 2000/12/ES in 2002/65/ES
repealing Directive 97/5/EC and Regulation (EC) No 2560/2001 and amending Directives 97/7/EC, 2000/12/EC and 2002/65/EC
(5) Navedeni okvir naj zagotovi usklajevanje nacionalnih določb o bonitetnih zahtevah, dostopa novih ponudnikov plačilnih storitev na trg, zahtev po informacijah ter pravic in obveznosti uporabnikov plačilnih storitev.
(5) That framework should ensure the coordination of national provisions on prudential requirements, the access of new payment service providers to the market, information requirements, and the respective rights and obligations of payment services users.
V navedenem okviru naj se ohranijo določbe Uredbe (ES) št. 2560/2001, ki so kar zadeva cene vzpostavile enotni trg za plačila v evrih.
Within that framework, the provisions of Regulation (EC) No 2560/2001, which created a single market for euro payments as far as prices are concerned, should be maintained.
Določbe Direktive 97/5/ES in priporočila iz priporočil 87/598/EGS, 88/590/EGS in 97/489/ES naj se vključijo v en sam zavezujoč akt.
Those of Directive 97/5/EC and the recommendations made in Recommendations 87/598/EEC, 88/590/EEC and 97/489/EC should be integrated in a single act with binding force.
V navedenem okviru potrebne določbe Uredbe (ES) št. 2560/2001, ki so kar zadeva cene vzpostavile enotni trg za plačila v evrih, in določbe Direktive 97/5/ES in priporočila iz priporočil 87/598/EGS, 88/590/EGS in 97/489/ES naj se vključijo v en sam zavezujoč akt.
Within that framework, the necessary provisions of Regulation (EC) No 2560/2001, which created a single market for euro payments as far as prices are concerned, and those of Directive 97/5/EC and the recommendations made in Recommendations 87/598/EEC, 88/590/EEC and 97/489/EC should be integrated in a single act with binding force.
Ta predlog spremembe se predlaga skupaj s predlogom spremembe o uvedbi novega naslova IV(a) z namenom poenostavitve zakonodaje.
This amendment is proposed together with an amendment introducing a new Title IV(a) in order to achieve more legislative simplification.
(8a) Tudi če se ne zdi primerno, da se plačilne institucije obremeni z vrsto obveznosti dosedanjih "klasičnih" ponudnikov plačilnih storitev, se zaradi potrebe po varovanju, nenazadnje tudi plačnikov, v zvezi s postopki plačilnih institucij, določenimi v tej direktivi, zahtevajo enaki varnostni mehanizmi, kot so jih za primerljive poslovne dogodke dolžni nuditi"klasični" ponudniki plačilnih storitev.
(8a) Even if it does not appear appropriate to burden these payment institutions with the full range of obligations incumbent on ‘traditional’ payment service providers up to now, it is essential in order to fulfil the need for security – not least, for payers – to require payment institutions to provide the same safeguards in connection with the transactions regulated by this directive as those demanded of ‘traditional’ payment service providers for comparable transactions.
(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 , z izjemo zahtev o statističnem poročanju .
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 , with the exception of statistical reporting requirements .