natgillin/translations-raw huggingface dataset:
Zaradi zahteve, da mora imeti shema večino ponudnikov plačilnih storitev, ki sodelujejo v njej, v večini držav članic, lahko pričakujemo, da ne bo obstajalo več vzporednih konkurenčnih shem, katerih zahteve bi morali izpolnjevati vsi ponudniki plačilnih storitev.
Due to the requirement for a scheme to have the majority of payment service providers participating in the scheme in the majority of Member States, one may expect that multiple competing schemes, which all payment service providers would have to comply with, would not come to exist in parallel.
Nove določbe o varstvu potrošnikov v zvezi z neposrednimi bremenitvami so rezultat izbire osnovnega modela, da imata pooblastilo prejemnik plačila in upnik, ne pa plačnik ali dolžnik.
The new consumer protection clauses concerning direct debits actually result from choosing the basic model that the payee and creditor's bank have the mandates and not the payer's or debtor's bank.
Poročevalka je mnenja, da je bila ta osnovna izbira napačna, a ker je že opravljena, morajo biti potrošniki pri prehodu s sistema toka s pooblastilom dolžnika na sistem toka s pooblastilom upnika primerno zavarovani.
Your rapporteur is of the opinion that this basic choice was wrong, but as the choice has already been made, consumers need to feel properly protected when shifting from a Debtor Mandate flow to a Creditor Mandate flow system.
Vprašanje večstranskih pristojbin za izmenjavo (MIF) je zapleteno.
The issue of MIFs (multilateral interchange fees) is a complex one.
Komisija predlaga samo pristojbine za R-transakcije, ki temeljijo na stroških, kadar je plačilo zavrnjeno, odklonjeno, vrnjeno ali razveljavljeno, torej prepoved večstranskih pristojbin za izmenjavo na transakcijo.
The Commission proposes only cost-based R-transaction fees when the payment is rejected, refused, returned or reversed and hence a ban on MIFs per transaction.
Poročevalka je poskušala najti kompromis z ohranitvijo večstranskih pristojbin za izmenjavo na transakcijo med dolgim prehodnim obdobjem, tako da bi bile privzete večstranske pristojbine za izmenjave v vseh državah članicah enotne in bi se postopoma zmanjševale.
Your rapporteur has tried to find a compromise by introducing a continuation of MIFs per transaction for a long transition period, so that default MIFs would be uniform in all Member States and they would be steadily decreasing.
Pričakujemo lahko, da bi se večstranske pristojbine za R-transakcije uskladile tako, da bi bila njihova vrednost v vseh državah članicah enotna in da bi se zagotovili enaki pogoji med ponudniki plačilnih storitev.
It is to be expected that strictly cost-based R-transaction MIFs would also converge so that they would finally be the same throughout the Member States and a level playing field amongst payment service providers would be ensured.
Potrebnih bo nekaj prehodnih obdobij, vendar je poročevalka mnenja, da bi morala biti čim krajša.
There is a need for some transition periods, but your rapporteur is of the opinion that they should be kept as short as possible.
Nemški ELV je na primer enkratno plačilo z neposredno bremenitvijo, ki se začne s plačilom s plačilno kartico, pri čemer se posredujejo osnovne informacije za pooblastilo.
For example the German ELV is a one-off direct debit payment which is generated by using a card to give the basic information for the mandate.
Številni potrošniki se ne zavedajo, da z uporabo svoje kartice v trgovini pravzaprav začnejo plačilo z neposredno bremenitvijo.
Actually many consumers may not be aware that by using their card in a shop they are actually generating a direct debit payment.
Poročevalka je prepričana, da se bo tudi s to uredbo povečala konkurenčnost v plačilnem sektorju in da bo to povzročilo padec cen plačil, tako da bo v treh letih mogoče uskladiti storitve tržnih niš in plačil ELV s shemo SEPA ali najti ustrezno zamenjavo za omenjeno shemo.
Your rapporteur is confident that competition will increase in the payments sector also through this regulation and this will bring down the prices of payments, so that it is possible in three years time either to make both the niche and ELV payment services SEPA-compliant or to find an adequate SEPA-substitute.
Uredba se ne ukvarja s tem, kako so se plačila začnejo, ampak s temeljnimi kreditnimi prenosi ali neposrednimi bremenitvami.
This regulation is concerned not with how the payments are initiated but with the underlying credit transfer or direct debit.
Jasno je, da bi bilo treba plačila velikih vrednosti izključiti iz uredbe, hkrati pa je treba poskrbeti, da plačila, ki bi jih bilo treba obdelati kot običajne transakcije SEPA, ne bodo obdelane prek sistemov za plačila velikih vrednosti.
However, it is clear that large value payments should be excluded from the regulation but at the same time one should take care that payments, which should be processed as normal SEPA transactions would not be processed through large value payment systems.
o predlogu uredbe Evropskega Parlamenta in Sveta o uvajanju tehničnih zahtev za kreditne prenose in neposredne bremenitve v eurih in o spremembi Uredbe (ES) št. 924/2009
on the proposal for a regulation of the European Parliament and of the Council establishing technical requirements for credit transfers and direct debits in euros and amending Regulation (EC) No 924/2009
Učinkoviti in varni plačilni sistemi so bistveni za ustrezno delovanje notranjega trga in izvajanje ekonomskih transakcij.
Efficient and secure payment systems are essential for a proper functioning of the Internal Market and the conduct of economic transactions.
Zato je oblikovanje notranjega trga plačilnih storitev v eurih (enotno območje plačil v eurih ali SEPA) zelo pomembno in ga je treba spremljati.
In this regard, the creation of an Internal Market for payment services in euro (Single Euro Payments Area or SEPA) is of high importance and has to be observed.
Z 28. januarjem 2008 so bili omogočeni kreditni prenosi SEPA.
On 28 January 2008, the SEPA Credit Transfer (SCT) was launched.
Začetek delovanja neposrednih bremenitev SEPA je pokazal na drugi ključni mejnik na poti do začetka izvajanja enotnega območja plačil v eurih prek vseevropskih shem.
The launch of the SEPA Direct Debit (SDD) highlighted the second essential milestone on the way towards the implementation of SEPA through Union-wide schemes.
Če se bo enotno območje plačil v eurih pravilno izvajalo, bi lahko širšemu evropskemu gospodarstvu omogočilo znatne koristi in prihranke.
SEPA, if fully implemented will provide notable benefits and savings to the wider European economy.
Kljub temu pa elektronski vseevropski plačilni instrumenti še zdaleč ne nadomeščajo nacionalnih plačil.
However, electronic payment instruments throughout the European Union are still far from replacing national payments.
Vprašanje je, ali je potrebna standardizacija sedanjih evropskih plačilnih sistemov, in sicer tako, da se povsod uvede mednarodni postopek s številko IBAN in kodo BIC.
It is questionable if it is necessary to implement a standardization of the current European payment systems by transposing them to the international procedure of IBAN and BIC.
Dejstvo pa je, da glede na trenutni počasni prehod na sistem SEPA vse kategorije zainteresiranih strani vedno bolj spoznavajo, da bi bilo treba za zagotovitev uspešnega izvajanja določiti pravno zavezujoč končni datum.
However, due to the current slow rates of migration, there is increasing acknowledgement by all categories of stakeholders that a legally binding end-date may be necessary to reach a successful implementation.
Zato je treba določiti končne datume prehoda za neposredne bremenitve in kreditne prenose, da bi zagotovili polno integracijo plačilnega trga.
Therefore, migration end dates for direct debits and credit transfers in euro have to be set up in order to achieve the full integration of the payment market.
V zvezi s tem je treba dati uporabnikom in ponudnikom plačilnih storitev dovolj časa za prilagoditev na te tehnične zahteve, da bodo lahko spoštovali končne datume.
In this regard, payment service users and payment service providers should be allowed sufficient time to adapt to these technical requirements in order to comply with the end-dates.
Te je treba določiti tako, da bo dovolj časa za zagotovitev izvajanja.
The end-dates should set as such that there is enough time to achieve the implementation.
Primerno obdobje je 36 mesecev po začetku veljave uredbe za kreditne prenose in 48 mesecev za neposredne bremenitve.
A period of time of 36 months for credit transfers and 48 months for direct debits after entry into force of the regulation are considered as appropriate.
Prehod na sistem SEPA, torej prehod s sedanjega sistema na skupno vseevropsko številčenje bančnih računov na podlagi številke IBAN in kode BIC, bo vplival na uporabnike, vključujoč prebivalstvo ter mala in srednja podjetja.
SEPA migration will affect users, including citizens and small and medium sized companies while transposing the current system to a common Union-wide bank account numbering based on IBAN and BIC.
V tem postopku ne gre podcenjevati vloge potrošnikov.
Especially the role of the consumer in this process shall not be undermined.
Zelo pomembno je, da bančni sektor omogoči lažji prehod.
It is substantial that this transition is facilitated by the banking sector.
Banke bi morale biti obvezane izvajati specifične in obsežne informativne kampanje, s katerimi bi povečale ozaveščenost javnosti, predvsem razumevanje sestave številke IBAN in kode BIC.
Banks should be obliged to carry out specific and extensive information campaigns in order to raise public awareness especially in making understandable how the numbers of IBAN and BIC are composed.
Poleg tega bi morale banke zagotoviti pregledno informacijsko politiko v odnosu do strank.
Furthermore banks should assure a transparent information policy in customer business.
To je bistveno za nemoten in ustrezen prehod na učinkovite in varne vseevropske plačilne sisteme in za to, da bodo evropski državljani sprejeli spremembe.
These undertakings are considered as very essential for a smooth and appropriate realisation of facilitating and secure Union-wide payment systems and the acceptance for the changes among the European citizens.
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.
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.
(11) Temeljni pogoj integracije omrežij, kakršno je vseevropski plačilni trg , je tehnična standardizacija .
(11) Technical standardisation is a cornerstone for the integration of networks, such as the Union payments market.
Za vse zadevne transakcije bi morala biti od določenega datuma obvezna uporaba standardov, ki so jih razvili mednarodni ali evropski organi za standardizacijo.
The use of standards developed by international or European standardisation bodies should be mandatory as of a given date for all relevant transactions.
Pogoj popolne interoperabilnosti znotraj Unije je torej, da omenjene standarde uporabljajo vsi ponudniki plačilnih storitev .
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 v državah članicah spodbujati z obsežnimi ukrepi komuniciranja in olajševanja uporabe , da bi potrošnike pravočasno in ustrezno pripravili na prehod na vseevropski sistem kreditnih prenosov in neposrednih bremenitev .
In particular, the mandatory use of IBAN and BIC should be promoted through comprehensive communication and facilitating measures in Member States in order to prepare consumers in a timely and adequate manner for the transition to pan-European credit transfers and direct debits .
Predvsem banke naj omogočajo lažji prehod z izvajanjem specifičnih in obsežnih informativnih kampanj, s katerimi bodo povečale ozaveščenost javnosti, in s pregledno informacijsko politiko v odnosu do strank.
In particular , banks should facilitate that transition by carrying out specific and extensive information campaigns in order to raise public awareness and by having a transparent information policy for their customer business.
Ustrezna in obsežna informacijska politika je obvezna za dobro sprejetost, zlasti zaradi obsežnih sprememb za potrošnike.
An adequate and extensive information policy is mandatory in order to gain acceptance, in particular with regard to the wide-ranging changes for consumers.
(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) I t 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.
Uvodna izjava 13a (novo)
Recital 13a new
(13a) Ponudnikom in uporabnikom plačilnih storitev je treba omogočiti dovolj časa za prilagoditev na tehnične zahteve, to obdobje pa ne sme po nepotrebnem zadrževati uveljavljanja koristi za potrošnike ali kaznovati prizadevanj proaktivnih operaterjev, ki so že prešli na plačilni sistem SEPA.
(13a) Payment service providers and users should have sufficient time to adapt to the technical requirements, however this adaption period must not unnecessarily delay the benefits to consumers or penalise the efforts of proactive operators that have already moved towards SEPA payments systems.
Za nacionalna plačila bi morali ponudniki plačilnih storitev strankam na maloprodajni ravni ponuditi potrebne tehnične storitve, da bi zagotovile 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.
Komisija spremlja uporabo pristojbin za R-transakcije iz odstavka 2 v vseh državah članicah.
The Commission shall monitor the R-transaction fees across the Member States.
Zagotovi tudi, 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 shall 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.
Sčasoma bi se morale pristojbine za R-transakcije približajo dejanskim stroškom, ki jih ima z obdelavo najučinkovitejši ponudnik plačilne storitve.
Over time the fee´s for R-transactions should converge to the actual handling costs by the most efficient payment service provider.
Do takrat bi morala Komisija spremljati, ali razlike med pristojbinami državah članic za R-transakcije pri čezmejnih transakcijah morebiti ogrožajo enake konkurenčne pogoje.
In the meantime the Commission should monitor whether the differences in R-transaction fees between Member States do not jeopardise the level playing field for cross-border transactions.
(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.
Prehodno obdobje za te nišne produkte, 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.
Večino teh proizvodov lahko opišemo kot nišne, ne pa vseh.
Most of these products can be described as niche products, but not all.
V nekaterih državah članicah obstajajo specifični instrumenti za neposredno bremenitev, ki so zelo podobni transakcijam s plačilnimi karticami in prek katerih poteka razmeroma veliko transakcij.
In some Member States specific direct debit instruments very similar to payment card transactions exist, which have a quite substantial transaction volume.
V obeh primerih je potrebno prehodno obdobje.
In both cases there is a need for a transitional period.
(20) Da bi se zagotovila možnost uporabe pravnih sredstev v primerih nepravilne uporabe te uredbe, bi morale države članice določiti ustrezne in učinkovite izvensodne pritožbene postopke in druga pravna sredstva za reševanje sporov , ki zaradi take nepravilne uporabe nastanejo .
(20) In order to ensure that redress is possible where this Regulation has been incorrectly applied, Member States should establish adequate and effective out-of-court complaint and redress procedures for settling any dispute arising therefrom .
(20) Da bi zagotovili možnost uporabe pravnih sredstev v primerih nepravilne uporabe te uredbe, bi morale države članice določiti ustrezne in učinkovite zunajsodne pritožbene postopke in druga pravna sredstva za reševanje sporov med uporabniki in ponudniki plačilnih storitev .
(20) In order to ensure that redress is possible where this Regulation has been incorrectly applied, Member States should establish adequate and effective out-of-court complaint and redress procedures for settling any dispute arising between payment service users and payment service providers .
Zlasti pomembno je, da Komisija pri svojem pripravljalnem delu izvede ustrezna in pregledna posvetovanja, tudi na ravni strokovnjakov.
It is of particular importance that the Commission carry out appropriate and transparent consultation during its preparatory work, including at expert level.
Komisija bi morala pri pripravi in sestavi delegiranih aktov zagotoviti hkraten, hiter ter ustrezen prenos zadevnih dokumentov Evropskemu parlamentu in Svetu.
The Commission, when preparing and drawing up delegated acts, should ensure a simultaneous, timely and appropriate transmission of relevant documents to the European Parliament and the Council.
Uskladitev s splošnim dogovorom glede praktične ureditve za uporabo delegiranih aktov.
Coherence with the Common Understanding on Practical Arrangements for the use of Delegated Acts.
Države članice zunaj euroobmočja naj kljub temu hitro izpolnijo tehnične zahteve, da bo oblikovano resnično evropsko plačilno območje, ki bo okrepilo notranji trg.
Member States outside the euro area should however comply with the technical requirements swiftly to create a true European payment area, which will strengthen the internal market.
(b) plačilne transakcije, ki se obdelujejo in poravnavajo s sistemi za plačila velikih vrednosti , pri katerih sta tako prvotni pobudnik kot končni prejemnik plačila ponudnika plačilnih storitev ;
(b) payment transactions processed and settled through large value payment systems for which both the original initiator and the final recipient of the payment is a payment service provider
(b) plačilne transakcije, ki se obdelujejo in poravnavajo s sistemi za plačila velikih vrednosti;
(b) payment transactions processed and settled through large value payment systems ;
Enotno območje plačil v eurih zajema standardna plačila in se ne sme razširiti na (potrošniške) transakcije, ki spadajo v sisteme za plačila velikih vrednosti.
SEPA covers standard payments and should not be extended to (consumer) transactions covered by large value payment systems.
Osnovne tehnične zahteve za kreditne prenose in transakcije neposredne bremenitve
Essential technical requirements for credit transfers and direct debit transactions
(a) ponudniki in uporabniki plačilnih storitev uporabljajo številko IBAN za identifikacijo plačilnih računov, ne glede na to, ali sta plačnikov ponudnik plačilnih storitev in ponudnik plačilnih storitev prejemnika plačila v isti državi članici oziroma ali je edini ponudnik plačilnih storitev v plačilni transakciji v isti državi članici ali pa je eden izmed ponudnikov plačilnih storitev v drugi državi članici;
(a) payment service providers and payment service users shall use the IBAN for the identification of payment accounts regardless of whether both the payer’s payment service provider and the payee’s payment service provider are or the sole payment service provider in the payment transaction is, located in the same Member State or whether one of the payment service providers is located in another Member State;
(b) ponudniki plačilnih storitev pri pošiljanju plačilne transakcije drugemu ponudniku plačilnih storitev ali v plačilni sistem uporabljajo sporočilne formate, ki temeljijo na standardu ISO 20022 XML ali njegovem nasledniku;
(b) payment service providers shall use message formats based on ISO 20022 XML standard or its successor when transmitting payment transactions to another payment service provider or a payment system;
(c) če uporabnik plačilne storitve začne ali prejme posamezne prenose sredstev, ki so poslani prek dialoga med procesi ali kot skupek datotek, se uporabljajo sporočilni formati, ki temeljijo na standardu ISO 20022 XML ali njegovem nasledniku;
(c) where a payment service user initiates or receives individual transfers of funds which are transmitted via a process-to-process dialogue or a bundled batch file, message formats based on ISO 20022 XML standard or its successor shall be used;
(d) ponudniki plačilnih storitev do datuma iz člena 5 za zadevno plačilno storitev sprejmejo prejem izvršb od uporabnika plačilne storitve v formatu iz točke (c), če uporabnik plačila tako zahteva;
(d) payment service providers shall, by the date mentioned in Article 5 for the relevant payment service, accept to receive initiations from the payment service user in the format referred to in point (c) when the payment user so requests;