natgillin/translations-raw huggingface dataset:
Te storitve se bodo predvidoma razširile čez trenutne državne meje in bi lahko zapolnile potrebo potrošnikov po inovativnih, varnih in poceni plačilnih storitvah .
Those services are foreseen to expand beyond their current national borders and could fulfil a consumer demand for innovative, safe and cheap payment services .
Da ne bi izključila takih storitev s trga, bi se morala uredba o določitvi končnih datumov za kreditne prenose in neposredne bremenitve nanašati samo na kreditne prenose ali neposredne bremenitve, ki so osnova teh transakcij.
In order not to foreclose such services from the market, the regulation on end dates for direct debit and credit transfer should only apply to the credit transfer or direct debit underlying th o se transactions .
(7a) Da bi vsem strankam olajšali plačila, bi morala biti uporaba kode BIC omejena na primere, v katerih je res potrebna.
(7a) In order to make payments easier for all customers, the use of the BIC should be limited to those cases where truly necessary.
Zaradi tega bi morali ponudniki plačilnih storitev spodbuditi razvoj dobro delujoče centralizirane podatkovne zbirke za oblikovanje edinstvene kode BIC, ki ustreza dani številki IBAN, ter rešiti primere, ko nasprotje v osnovni hierarhiji številk BBAN povzroči, da je eni številki IBAN dodeljena več kot ena koda BIC ali ko iz drugih razlogov ni jasno, katero kodo BIC dodeliti neki številki IBAN.
Therefore payment service providers should facilitate the development of a well-functioning centralised database for the generation of the unique BIC corresponding to a given IBAN, and solve those cases where for example the underlying conflicting BBAN hierarchy result s in a situation in which more than one BIC is attributed to a particular IBAN or in which it is otherwise unclear which BIC to att ribute to a particular IBAN.
(8) Za izvedbo kreditnega prenosa mora biti račun prejemnika dostopen.
(8) For a credit transfer to be executed, the payee ' s account must be reachable.
Zato je treba na območju celotne Unije uveljaviti obvezo o dostopnosti, s katero se bo spodbudil uspešen prevzem teh plačilnih instrumentov .
Therefore, in order to encourage the successful take-up of these payment instruments , a reachability obligation should be established Union-wide.
Poleg tega je za izboljšanje preglednosti primerno združiti navedeno obvezo in obvezo o dostopnosti za neposredne bremenitve iz Uredbe (ES) št. 924/2009 v enem samem aktu.
To improve transparency, it is furthermore appropriate to consolidate that obligation and the reachability obligation for direct debits already established under Regulation (EC) No 924/2009 in one single act.
(8) Za izvedbo kreditnega prenosa mora biti račun prejemnika dostopen.
(8) For a credit transfer to be executed, the payee ’ s account must be reachable.
Zato je treba na območju celotne Unije uveljaviti obvezo o dostopnosti, s katero se bo spodbudil uspešen prevzem te plačilne storitve .
Therefore, in order to encourage the successful take-up of this payment service , a reachability obligation should be established Union-wide.
(9) Tehnična interoperabilnost je predpogoj konkurence.
(9) Technical interoperability is a prerequisite for competition.
Da bi vzpostavili integriran trg elektronskih plačilnih sistemov v eurih, je nujno, da obdelave kreditnih prenosov in neposrednih bremenitev ne ovirajo tehnične prepreke in da je izvedena na podlagi shem, katerih osnovna pravila so upoštevana s strani večine ponudnikov plačilnih storitev iz večine držav članic in so enaka za čezmejne in izključno nacionalne transakcije s kreditnim prenosom ali neposredno bremenitvijo.
In order to create an integrated market for electronic payments systems in euros , it is essential that the processing of credit transfers and direct debits are not hindered by technical obstacles and are carried out under a scheme whose basic rules are adhered to by a majority of payment services providers from a majority of Member States and be the same both for cross-border and for purely national credit transfer and direct debit transactions.
Kjer je bila razvita več kot ena taka shema ali kjer obstaja več kot en plačilni sistem za obdelavo takih plačil, morajo biti te sheme in sistemi interoperabilni, da bi vsi uporabniki in ponudniki plačilnih storitev lahko uživali prednosti nedeljivih plačil v eurih znotraj celotne Unije.
Where more than one such scheme is developed or where there is more than one payment system for the processing of such payments, these schemes and systems should be interoperable so that all users and payment service providers can enjoy the benefits of seamless euro payments across the Union.
Da bi vzpostavili integriran trg elektronskih plačilnih sistemov v eurih, je nujno, da obdelave kreditnih prenosov in neposrednih bremenitev ne ovirajo tehnične prepreke in da je izvedena na podlagi shem, katerih osnovna pravila so upoštevana s strani večine ponudnikov plačilnih storitev iz večine držav članic in so enaka za čezmejne in izključno nacionalne transakcije s kreditnim prenosom ali neposredno bremenitvijo.
In order to create an integrated market for electronic payments systems in euro , it is essential that the processing of credit transfers and direct debits are not hindered by technical obstacles and are carried out under a scheme whose basic rules are adhered to by a majority of payment services providers from a majority of the Member States and be the same both for cross-border and for purely national credit transfer and direct debit transactions.
Kjer obstaja več kot en plačilni sistem za obdelavo takih plačil, morajo biti ti sistemi interoperabilni, da bi vsi uporabniki in ponudniki plačilnih storitev lahko uživali prednosti nedeljivih plačil v eurih znotraj celotne Unije.
Where there is more than one payment system for the processing of such payments, these systems should be interoperable so that all users and payment service providers can enjoy the benefits of seamless euro payments across the Union.
Medtem ko mora biti vsak sistem neposrednih bremenitev med podjetji ali sistem kreditnega prenosa v skladu z vsemi drugimi določbami v tej uredbi, vključno z enakimi predpisi za čezmejne in nacionalne transakcije, ni nujno, da se glede na posebne značilnosti poslovnega trga uporablja zahteva, da morajo udeleženci predstavljati večino ponudnikov plačilnih storitev v večini držav članic, temveč da morajo ponudniki plačilnih storitev, ki ponujajo storitve neposredne bremenitve med podjetji ali storitve kreditnega prenosa, imeti udeležence, ki predstavljajo večino ponudnikov plačilnih storitev v večini držav članic, ki ponujajo takšne storitve.
Given the specific characteristics of the business market, whilst any business-to-business direct debit or credit transfer scheme needs to comply with all other provisions in this Regulation, including having the same rules for cross-border and national transactions, the requirement to have participants representing a majority of payment service providers in the majority of Member States need not apply but to the extent that payment service providers providing business-to-business direct debit or credit transfer services need to have participants representing a majority of payment service providers in the majority of Member States providing such services.
(10) Ključno je identificirati tehnične zahteve, ki nedvoumno določajo značilnosti, ki jih morajo upoštevati vseevropske plačilne sheme, ki bodo oblikovane pod ustrezno upravno ureditvijo, da bi dosegli interoperabilnost.
(10) It is crucial to identify technical requirements which unambiguously determine the features which Union-wide payment schemes to be developed under appropriate governance arrangements have to respect in order to ensure inter-operability.
Takšne tehnične zahteve ne bi smele ovirati prožnosti in inovativnosti, ampak bi morale biti odprte in nevtralne napram potencialnim novim razvojnim dogodkom in izboljšavam na plačilnem trgu.
Such technical requirements should not restrict flexibility and innovation but should be open to and neutral towards potential new developments and improvements in the payments market.
Zasnovane morajo biti ob upoštevanju posebnih značilnosti kreditnih prenosov in neposrednih bremenitev, še posebej v zvezi s podatkovnimi elementi, ki jih vsebuje plačilno sporočilo.
They should be designed taking into account the special characteristics of credit transfers and direct debits, in particular with regard to the data elements contained in the payment message.
Vsebovati bi morale tudi, zlasti za neposredne bremenitve, ukrepe za okrepitev zaupanja uporabnikov plačilnih storitev do uporabe takih instrumentov.
They should also contain, especially for direct debits, measures to strengthen the confidence of payment service users in the use of such instruments.
Plačniki bi morali imeti možnost, da od ponudnikov plačilnih storitev zahtevajo obvezna preverjanja o pogostosti ali znesku neposredne bremenitve ter da naredijo sezname „dobrih“ in „slabih“ prejemnikov plačil.
Payers should be allowed to request their payment service provider to carry out mandat ory checks on the frequency or amount of the direct debit and to establish 'positive' or ' negative ' lists of payees.
Druge pomembne pravice uporabnikov so že določene v Direktivi 2007/64/ES Evropskega parlamenta in Sveta z dne 13. novembra 2007 o plačilnih storitvah na notranjem trgu 1 in bi jih bilo treba v celoti zagotoviti.
Other relevant rights of users are already established in Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market 1 and should be fully ensured .
1 UL L 319, 5.12.2007, str.
1 OJ L 319, 5.12.2007, p.
(11) Tehnična standardizacija je temeljni pogoj integracije omrežij, kakršno je vseevropski plačilni trg.
(11) Technical standardisation is a cornerstone for the integration of networks, such as the Union payments market.
Uporaba standardov, ki so jih razvili mednarodni ali evropski organi za standardizacijo, bi morala biti obvezna od določenega datuma za vse zadevne transakcije.
The use of standards developed by international or European standardisation bodies should be mandatory as of a given date for all relevant transactions.
V okviru plačil bi to bili mednarodna številka bančnega računa (IBAN), identifikacijska koda banke (BIC) in sporočilni standard finančnih storitev „ISO 20022 XML“.
In the payment context, these would be the IBAN, BIC, and the financial services messaging standard ‘ ISO 20022 XML ’ .
Uporaba omenjenih standardov s strani vseh ponudnikov plačilnih storitev je torej pogoj popolne interoperabilnosti znotraj Unije.
The use of those standards by all payment service providers is therefore a requirement for full interoperability throughout the Union.
Zlasti je treba obvezno uporabo številke IBAN in kode BIC po potrebi v državah članicah spodbujati z obsežnimi ukrepi komuniciranja in olajševanja uporabe, da bi omogočili neoviran in enostaven prehod na vseevropski sistem kreditnih prenosov in neposrednih bremenitev, zlasti za potrošnike.
In particular, the mandatory use of IBAN and BIC where necessary should be promoted through comprehensive communication and facilitating measures in Member States in order to allow a smooth and easy transition to pan-European credit transfers and direct debits, in particular for consumers.
V okviru plačil bi to bili mednarodna številka bančnega računa (IBAN), identifikacijska koda banke (BIC) in sporočilni standard finančnih storitev „ISO 20022 XML“.
In the payment context, these would be the IBAN, BIC, and the financial services messaging standard ' ISO 20022 XML ' .
Zlasti je treba obvezno uporabo številke IBAN in kode BIC po potrebi v državah članicah spodbujati z obsežnimi ukrepi komuniciranja in olajševanja uporabe, da bi omogočili neoviran in enostaven prehod na sistem kreditnih prenosov v vsej Uniji in neposrednih bremenitev, zlasti za potrošnike.
In particular, the mandatory use of IBAN and BIC where necessary should be promoted through comprehensive communication and facilitating measures in Member States in order to allow a smooth and easy transition to Union-wide credit transfers and direct debits, in particular for consumers.
Nemudoma je treba začeti izvajati kampanjo za ozaveščanje uporabnikov in ponudniki storitev ne bi smeli čakati na obvezne roke.
It is necessary to start a users' awareness campaign immediately and service providers should not wait for the mandatory deadlines.
Prehod na SEPA za državljane Unije pomeni veliko spremembo, na katero morajo biti pripravljeni.
Migration to SEPA represents a major change for Union citizens for which they should be properly prepared.
Države članice, pristojni organi in banke morajo zagotoviti zahtevane informacije in potrebno tehnično podporo.
Member States, the competent authorities and banks should provide the required information and the necessary technical support.
S sprejetjem ustreznih ukrepov morajo znatno prispevati k brezhibnemu prehodu na SEPA, ki bo v korist državljanov Unije.
They should make a decisive contribution by taking the appropriate action for migration to SEPA to proceed smoothly for the benefit of Union citizens.
(11a) Prehod na SEPA ter uvedba skupnih standardov in pravil za plačila morata temeljiti na spoštovanju nacionalnega prava o varstvu občutljivih osebnih podatkov v državah članicah ter varovati interese državljanov Unije.
(11a) The migration to SEPA and the introduction of common standards and rules for payments should be based on compliance with national l aw on the protection of sensitive personal data in Member States and should safeguard the interests of Union citizens.
(12) Primerno bi bilo določiti datume do katerih bi morali vsi kreditni prenosi in neposredne bremenitve upoštevati omenjene tehnične zahteve, hkrati pa pustiti trg odprt za nadaljnji razvoj in inovacije.
(12) It is appropriate to set dates by when all credit transfers and direct debit transactions should comply with those technical requirements, while leaving the market open for further development and innovation.
(12) Da bi potrošnikom zagotovili usklajen, jasen in enostaven proces prehoda, bi bilo primerno določiti enoten rok za prenos, do katerega bi morali vsi kreditni prenosi in neposredne bremenitve upoštevati omenjene tehnične zahteve, hkrati pa pustiti trg odprt za nadaljnji razvoj in inovacije.
(12) In order to allow a concerted transition process in the interests of clarity and simplicity for consumers, it is appropriate to set a single migration deadline by which all credit transfers and direct debit transactions should comply with those technical requirements, while leaving the market open for further development and innovation.
(13) Zaradi upoštevanja razlik med kreditnimi prenosi in neposrednimi bremenitvami bi morali zanju določiti ločena končna datuma za prehod.
(13) Separate migration dates should be set in order to take into account the differences between credit transfers and direct debits.
Vseevropski kreditni prenosi in neposredne bremenitve niso na enaki ravni zrelosti, saj so neposredne bremenitve bolj zapleten instrument kot kreditni prenosi in zato prehod na vseevropske neposredne bremenitve zahteva precej več sredstev kot prehod na vseevropske kreditne prenose.
Union-wide credit transfers and direct debits do not have the same level of maturity, since a direct debit is a more complex instrument than a credit transfer and, consequently, migration to Union-wide direct debits requires significantly more resources than migration to Union-wide credit transfers.
(13) Čeprav se stopnja razvoja neposrednih bremenitev in kreditnih prenosov med posameznimi državami članicami razlikuje, bi skupni končni datum na podlagi primerno dolgega časovnega okvira za izvajanje, ki omogoča izvedbo vseh potrebnih postopkov, prispeval k usklajenemu, skladnemu in integriranemu prehodu na SEPA in bi pomagal preprečiti sistem SEPA na podlagi dveh hitrosti, kar bi povzročilo večjo zmedo med potrošniki.
(13) Although the level of development of direct debit and credit transfer services differs from one Member State to another, a common deadline at the end of a n adequate period for implementation , which allows for all the necessary processes to take place would contribute to a coordinated, coherent and integrated migration to SEPA and would help prevent a two-speed SEPA, which would cause greater confusion among consumers.
Uvodna izjava 13 a (novo)
Recital 13 a new
(13a) Ponudnikom in uporabnikom plačilnih storitev je treba dati dovolj časa za prilagoditev na tehnične zahteve, to obdobje pa ne bi smelo po nepotrebnem zadrževati uveljavljanja koristi za potrošnike ali kaznovati prizadevanj proaktivnih operaterjev, ki so že prešli na sistem SEPA.
( 13 a ) Payment service providers and users should have sufficient time to adapt to the technical requirements, however this adaption period should not unnecessarily delay the benefits to consumers or penalise the efforts of proactive operators that have already moved towards SEPA.
Za nacionalna plačila in čezmejne plačilne transakcije bi morali ponudniki plačilnih storitev strankam na maloprodajni ravni ponuditi potrebne tehnične storitve, da bi zagotovili nemoten in varen prehod na tehnične zahteve iz te uredbe.
For national payment and cross-border payment transactions the payment service providers should provide their retail customers with the necessary technical services in order to ensure a smooth and secure conversion to the technical requirements laid down in this Regulation.
(15a) Komisija bi morala spremljati uporabo pristojbin za R-transakcije v vseh državah članicah.
( 15a ) The Commission sh ould monitor the R-transaction fees across the Member States.
Zagotoviti bi tudi morala, da se pristojbine držav članic za R-transakcije sčasoma približajo in da se ne razlikujejo do te mere, da ne bi bili zagotovljeni enaki konkurenčni pogoji.
The Commission sh ould ensure that Member States' R-transaction fees converge over time and that the R-transaction fees do not vary across Member States to an extent that there is no level playing field.
(16) V nekaterih državah članicah že obstajajo nekateri plačilni instrumenti , ki so v osnovi kreditni prenosi oziroma neposredne bremenitve, ki pa imajo zelo specifične funkcionalnosti, pogosto iz zgodovinskih ali pravnih razlogov.
(16) In some Member States, there are certain legacy payment instruments which are credit transfers or direct debits but which have very specific functionalities, often due to historical or legal reasons.
Transakcijski obseg takih produktov je običajno majhen, zato bi jih lahko razvrstili kot produkte tržnih niš.
The transaction volume of such products is usually marginal; they could therefore be classified as niche products.
Prehodno obdobje za te produkte tržnih niš, dovolj dolgo za minimaliziranje učinkov prehoda na SEPA na uporabnike plačilnih storitev, bi moralo pomagati obema stranema trga, da se najprej osredotočita na prehod večine kreditnih prenosov in neposrednih bremenitev, in s tem omogočiti čimprejšnje doseganje večine potencialnih koristi integriranega plačilnega trga v Uniji.
A transitional period for such niche products, sufficiently long to minimise the impact of the migration on payment service users, should help both sides of the market to focus first on the migration of the bulk of credit transfers and direct debits, thereby allowing the majority of the potential benefits of an integrated payments market in the Union to be reaped earlier.
(16) V nekaterih državah članicah že obstajajo nekatere plačilne storitve , ki so v osnovi kreditni prenosi oziroma neposredne bremenitve, ki pa imajo zelo specifične funkcionalnosti, pogosto iz zgodovinskih ali pravnih razlogov.
(16) In some Member States, there are certain legacy payment services which are credit transfers or direct debits but which have very specific functionalities, often due to historical or legal reasons.
V nekaterih državah članicah obstajajo posebni instrumenti neposredne bremenitve, ki se zdijo zelo podobni transakcijam s plačilno kartico, saj plačnik na prodajnem mestu uporabi kartico za začetek izvedbe plačilne transakcije.
In some Member States , specific direct debit instruments exist which seem very similar to payment card transactions in that the payer uses a card at the point of sale to initiate the payment transaction.
Vendar je osnovna plačilna shema neposredna bremenitev.
However, the underlying payment scheme is a direct debit.
Kartica se uporabi samo za branje, da se olajša elektronska priprava pooblastila, ki ga mora podpisati plačnik na prodajnem mestu.
The card is used only for a read-out in order to facilitate the electronic generation of the mandate, which has to be signed by the payer at the point of sale.
Čeprav takšnih plačilnih storitev ni mogoče opredeliti kot tržne niše, je zanje potrebno prehodno obdobje, saj gre za precej obsežne transakcije.
Although such payment service s cannot be classified as a niche product, there is a need for a transitional period in relation to such payment services because of the substantial transaction volume involved .
Da bi zainteresiranim stranem omogočili izvajanje ustreznega nadomestnega sistema SEPA, bi moralo biti prehodno obdobje primerno dolgo.
In order to enable the stakeholders to implement an adequate SEPA substitute th at transitional period should be of an adequate length .
(17) Za delovanje notranjega plačilnega trga v praksi je treba nujno zagotoviti, da bodo plačniki, kot so podjetja ali javni organi, lahko izvršili kreditni prenos na plačilni račun prejemnika preko ponudnikov plačilnih storitev, ki se nahajajo v drugih državah članicah in ki bodo dostopni v skladu s to uredbo.
(17) For the practical functioning of the internal market in payments it is essential to ensure that payers such as businesses or public authorities are able to send credit transfers to payment accounts held by the payees with payment service providers which are located in other Member States and reachable in accordance with this Regulation.
(17) Za delovanje notranjega plačilnega trga v praksi je treba nujno zagotoviti, da bodo plačniki, kot so potrošniki, podjetja ali javni organi, lahko izvršili kreditni prenos na plačilni račun prejemnika preko ponudnikov plačilnih storitev, ki se nahajajo v drugih državah članicah in ki bodo dostopni v skladu s to uredbo.
(17) For the practical functioning of the internal market in payments it is essential to ensure that payers such as consumers, businesses or public authorities are able to send credit transfers to payment accounts held by the payees with payment service providers which are located in other Member States and reachable in accordance with this Regulation.
(17a) Da bi zagotovili nemoten prehod na SEPA, bi morala vsa veljavna dovoljenja prejemnikov plačila za prevzetje rednih neposrednih bremenitev v obstoječem sistemu ostati veljavna po roku za prenos, določenem v tej uredbi, in bi jih bilo treba obravnavati, kot da pomenijo soglasje plačnika ponudniku plačilnih storitev, da izvrši redne neposredne bremenitve, ki jih prevzame ta prejemnik plačila v skladu s to uredbo, kadar ni nacionalne zakonodaje, ki bi zajemala trajno veljavnost pooblastila ali sporazumov o strankah, ki spreminjajo pooblastila za neposredne bremenitve, da bi zagotovili njihovo nadaljevanje.
(17a) In order to secure a smooth transition to SEPA, any valid payee authorisation to collect recurring direct debits in a legacy system sh ould remain valid after the migration deadline established in this Regulation and should be considered as representing the consent to the payment service provider of the payer to execute the recurring direct debits collected by th at payee in compliance with this Regulation in the absence of national l aw relating to the continued validity of the mandate or customer agreements changing direct debit mandates to allow their continuation.