natgillin/translations-raw huggingface dataset:
Takšni ukrepi bi plačnikom omogočili, da dajo svojim ponudnikom plačilnih storitev navodilo, da omejijo unovčevanje direktnih bremenitev do določenega zneska ali v določenem časovnem okviru ter da vzpostavijo poseben pozitiven ali negativen seznam prejemnikov plačil.
Such measures should allow payers to instruct their PSPs to limit direct debit collection to a certain amount or a certain periodicity and to establish specific positive or negative lists of payees.
V okviru vzpostavitve shem direktnih bremenitev v celotni Uniji se zdi primerno, da imajo potrošniki lahko koristi od takšnih kontrol.
Within the framework of the establishment of Union-wide direct debit schemes, it is appropriate that consumers are able to benefit from such checks.
Ne glede na praktično izvajanje takšnih kontrol prejemnikov plačil, je pomembno, da so ponudniki plačilnih storitev zmožni opraviti takšne kontrole na podlagi IBAN-a in za prehodno obdobje, vendar samo kadar je to potrebno, kode BIC ali nekaterih drugih enoznačnih identifikacijskih kod določenih prejemnikov plačil.
Nevertheless for the practical implementation of such checks on payees, it is important that PSPs are able to check on the basis of IBAN, and, for a transitional period, but only where necessary, BIC, or some other unique creditor identifier of specified payees.
Druge pomembne pravice uporabnikov so že določene v Direktivi 2007/64/ES in bi jih bilo treba v celoti zagotavljati.
Other relevant rights of users are already established in Directive 2007/64/EC and should be fully ensured.
Tehnična standardizacija je temeljni pogoj integracije omrežij, kakršno je plačilni trg Unije.
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 from a given date for all relevant transactions.
V okviru plačil so taki obvezni standardi IBAN, BIC in sporočilni standard finančnih storitev „ISO 20022 XML“.
In the payment context, such mandatory standards are IBAN, BIC, and the financial services messaging standard ‘ISO 20022 XML’.
Ključno je, da so vsi akterji, zlasti državljani Unije, ustrezno in pravočasno obveščeni, tako da so v celoti pripravljeni na spremembe, ki jih prinaša SEPA.
It is absolutely crucial that all actors, and particularly Union citizens, are properly informed, in a timely manner, so that they are fully prepared for the changes brought about by SEPA.
Ključne zainteresirane strani kot so ponudniki plačilnih storitev, javne uprave in nacionalne centralne banke ter drugi večji uporabniki rednih plačil bi morali zato izvesti posebne in obsežne informativne kampanje, sorazmerne s potrebami njihovih ciljnih skupin in njim tudi prilagojene, da se poveča javna osveščenost in državljane pripravi za prehod na SEPA.
Key stakeholders such as PSPs, public administrations and national central banks as well as other heavy users of regular payments should therefore carry out specific and extensive information campaigns, proportionate to the need and tailored to their audience as may be necessary, in order to raise public awareness and prepare citizens for SEPA migration.
Zlasti je treba državljane seznaniti s prehodom z BBAN na uporabo IBAN.
In particular, there is a need to familiarise citizens with migration from BBAN to IBAN.
Nacionalni usklajevalni odbori za SEPA so najboljši naslov za usklajevanje takšnih informativnih kampanj.
National SEPA coordination committees are best placed to coordinate such information campaigns.
Da bi potrošnikom zagotovili usklajen, jasen in enostaven proces prehoda, je primerno
In order to allow a concerted transition process in the interests of clarity and simplicity for consumers,
enoten rok za prenos, do katerega
a single migration deadline by which
bi morale transakcije s kreditnimi prenosi in direktnimi bremenitvami upoštevati omenjene tehnične zahteve, hkrati pa pustiti trg odprt za nadaljnji razvoj in inovacije.
all credit transfers and direct debit transactions should comply with those technical requirements, while leaving the market open for further development and innovation.
V prehodnem obdobju bi morale države članice dovoliti ponudnikom plačilnih storitev, da ti potrošnikom še naprej omogočajo uporabo BBAN za nacionalne plačilne transakcije pod pogojem, da zadevni ponudnik plačilne storitve zagotovi interoperabilnost s tehničnim in varnim pretvarjanjem BBAN v zadevno enoznačno identifikacijsko kodo plačilnega računa.
For a transitional period, Member States should be able to permit PSPs to allow consumers to continue using BBAN for national payment transactions on condition that interoperability is ensured by converting BBAN technically and securely into the respective unique payment account identifier by the PSP concerned.
Ponudnik plačilne storitve ne bi smeli zaračunati nobenih neposrednih ali posrednih stroškov ali drugih provizij, povezanih s to storitvijo.
The PSP should not levy any direct or indirect charges or other fees linked to that service.
Ponudnikom in uporabnikom plačilnih storitev bi bilo treba dati dovolj časa za prilagoditev na tehnične zahteve.
PSPs and PSUs should have sufficient time to adapt to the technical requirements.
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.
However, the adaptation period should not unnecessarily delay the benefits to consumers or penalise the efforts of proactive operators that have already moved towards SEPA.
Za nacionalne 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 PSPs 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.
Pomembno je zagotoviti pravno varnost plačilni industriji glede poslovnih modelov za direktne bremenitve.
It is important to provide legal certainty to the payments industry on business models for direct debits.
Regulacija večstranskih pristojbin za izmenjavo za direktne bremenitve je nujna za vzpostavitev nepristranskih konkurenčnih pogojev med ponudniki plačilnih storitev in s tem za omogočanje razvoja enotnega trga direktnih bremenitev. ▌
Regulation of multilateral interchange fees (MIFs) for direct debits is essential to create neutral conditions of competition between
pristojbine za transakcije, ki so zavrnjene, odklonjene, vrnjene ali razveljavljene, ker ne morejo biti pravilno izvršene
and so to permit the development of a single market for direct debits. ▌Such fees for transactions which are rejected, refused, returned or reversed because they cannot be properly executed
, pri katerih črka R lahko pomeni zavrnjeno, odklonjeno, vrnjeno, razveljavljeno, preklicano in zahtevano za preklic
where the letter ‘R’ can signify ‘reject’, ‘refusal’, ‘return’, ‘reversal’, ‘revocation’ or ‘request for cancellation’)
Zato se zdi, da bi bilo za vzpostavitev učinkovitega evropskega trga direktnih bremenitev koristno prepovedati zaračunavanje večstranskih pristojbin za izmenjavo na transakcijo.
Therefore, it would appear beneficial for the creation of an effective European direct debit market to prohibit per transaction MIF.
R-transakcije dovoljene, če izpolnjujejo določene pogoje.
should be allowed, provided that they comply with certain conditions.
V vsakem primeru pravila
the R-transaction
ne bi smela posegati v uporabo členov 101 in 102
without prejudice to the application of Articles 101 and 102 of the
Pogodbe o delovanju Evropske unije (
Treaty on the Functioning of the European Union (
Nadalje bi bilo treba ugotoviti, da imajo na splošno direktne bremenitve in plačila s karticami različne značilnosti, zlasti v smislu višjega potenciala za prejemnike plačil, da tako spodbujajo plačnike k uporabi direktnih bremenitev na podlagi predhodno obstoječe pogodbe med prejemnikom plačila in plačnikom, medtem ko za plačila s karticami ne obstaja takšna predhodna pogodba in je plačilna transakcija pogosto osamljen in nereden dogodek.
Furthermore, it should be noted that in general direct debits and card payments have different characteristics, in particular in terms of the higher potential for payees to provide incentives for the use of a direct debit by payers through a pre-existing contract between the payee and the payer, whilst for card payments no such prior contract exists and the payment transaction is often an isolated and irregular event.
Zato določbe o večstranskih pristojbinah za izmenjavo za direktne bremenitve ne posegajo v analizo pod konkurenčnimi pogoji EU za večstranske pristojbine za izmenjavo za transakcije s plačilnimi karticami.
Therefore, the provisions on MIFs for direct debits are without prejudice to the analysis under Union competition rules of MIFs for payment card transactions.
Dodatne izbirne storitve niso vključene v prepoved v tej uredbi, če se jasno in nedvoumno razlikujejo od osrednjih storitev direktne bremenitve in če so ponudniki plačilnih storitev in uporabniki plačilnih storitev popolnoma svobodni glede ponudbe ali uporabe takšne storitve.
Additional optional services are not covered by the prohibition under this Regulation where they are clearly and unequivocally distinct from the core direct debit services and where PSPs and PSUs are completely at liberty to offer or use such services.
Kljub temu zanje še naprej veljajo konkurenčni predpisi na ravni Unije in na nacionalni ravni.
Nevertheless they remain subject to Union and national competition rules.
Zato bi morala biti možnost za uporabo večstranskih pristojbin za izmenjavo (MIF) za vsako transakcijo za nacionalne in čezmejne direktne bremenitve časovno omejena, za uporabo pristojbin za izmenjavo za R-transakcije pa bi bilo treba določiti splošne pogoje.
Therefore, the possibility to apply per transaction MIF for national and cross-border direct debits should be limited in time and general conditions should be laid down for the application of interchange fees for R-transactions.
Komisija bi morala spremljati višino pristojbin za R-transakcije v vseh državah članicah.
The Commission should monitor the level of R-transaction fees across the Union.
Pristojbine za R-transakcije na notranjem trgu bi se morale v času zbliževati, tako da se ne bi razlikovale med državami članicami do mere, ki ne omogoča več enakih konkurenčnih pogojev.
R-transaction fees in the internal market should converge over time so that they do not vary across Member States to an extent to threaten the level playing field.
V nekaterih državah članicah že obstajajo nekatere plačilne
In some Member States, there are certain legacy payment
, ki so v osnovi kreditni prenosi oziroma direktne bremenitve, ki pa imajo zelo specifične funkcionalnosti, pogosto iz zgodovinskih ali pravnih razlogov.
which are credit transfers or direct debits but which have very specific functionalities, often due to historical or legal reasons.
Transakcijski obseg takih
The transaction volume of such
je običajno majhen.
is usually marginal.
Takšne storitve bi zato lahko razvrstili kot produkte tržnih niš.
Such services 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 direktnih 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 migration on PSUs, 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.
V nekaterih državah članicah obstajajo posebni instrumenti direktne bremenitve, ki se zdijo zelo podobni transakcijam s plačilno kartico, saj plačnik na prodajnem mestu uporabi kartico za začetek izvedbe plačilne transakcije; vendar pa je osnovna plačilna transakcija direktna bremenitev.
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 but the underlying payment transaction is a direct debit.
V takšnih plačilnih transakcijah se kartica uporabi samo za branje, da se olajša elektronska priprava pooblastila, ki ga mora podpisati plačnik na prodajnem mestu.
In such payment transactions 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 services 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 zadosti dolgo.
In order to enable the stakeholders to implement an adequate SEPA substitute, that transitional period should be of sufficient length.
Da bi zagotovili nemoten prehod na SEPA, bi moralo veljavno dovoljenje prejemnikov plačila za unovčevanje ponavljajočih direktnih bremenitev v obstoječem sistemu ostati veljavno po roku za prenos, določenem v tej uredbi.
In order to secure a smooth transition to SEPA, a valid payee authorisation to collect recurring direct debits in a legacy scheme should remain valid after the migration deadline established in this Regulation.
Takšno dovoljenje bi bilo treba obravnavati, kot da pomeni soglasje ponudniku plačilnih storitev, da izvrši ponavljajoče direktne bremenitve, ki jih unovči prejemnik plačila v skladu s to uredbo, kadar ni nacionalne zakonodaje, ki bi zajemala trajno veljavnost pooblastila ali sporazumov med strankami, ki spreminjajo pooblastila za direktne bremenitve, da bi zagotovili njihovo nadaljevanje.
Such an authorisation should be considered as representing consent to the payer's PSP to execute the recurring direct debits collected by the payee in compliance with this Regulation, in the absence of national law relating to the continued validity of the mandate or customer agreements changing direct debit mandates to allow their continuation.
Pravice potrošnikov je treba zaščititi in kjer imajo obstoječa pooblastila za direktno bremenitev brezpogojno pravico do povračila, bi bilo treba takšne pravice ohraniti.
However, consumer rights must be protected and where existing direct debit mandates have unconditional refund rights, such rights should be maintained.
Pristojni organi bi morali imeti ustrezna pooblastila za učinkovito izpolnjevanje svojih nalog v zvezi s spremljanjem ter za sprejetje vseh potrebnih ukrepov
Competent authorities should be empowered to fulfil their monitoring duties efficiently and to take all necessary measures
, vključno z obravnavo pritožb,
including considering complaints
Prav tako bi morale države članice zagotoviti, da se lahko vložijo pritožbe zoper uporabnike plačilnih storitev, ki ne izpolnjujejo te uredbe, ter da se lahko to uredbo izvaja na učinkovit način z upravnimi ali sodnimi sredstvi.
Also, Member States should ensure that complaints against PSUs for not complying with this Regulation can be filed and that this Regulation can be enforced in an effective and efficient manner by administrative or judicial means.
Za spodbujanje skladnosti s to uredbo pristojni organi različnih držav članic med seboj sodelujejo, po potrebi tudi z Evropsko centralno banko (ECB) ter nacionalnimi centralnimi bankami držav članic in drugimi pomembnimi pristojnimi organi, kot je Evropski nadzorni organ (Evropski bančni organ), ustanovljen z Uredbo (EU) št. 1093/2010 Evropskega parlamenta in Sveta
To foster compliance with this Regulation the competent authorities of different Member States should cooperate with each other and, where appropriate, with the European Central Bank (ECB) and the national central banks of the Member States and other relevant competent authorities, such as the European Supervisory Authority (European Banking Authority) established by Regulation (EU) No 1093/2010 of the European Parliament and of the Council
(EBA) v skladu z zakonodajo Unije ali nacionalno zakonodajo, ki velja za ponudnike plačilnih storitev.
(EBA), designated under Union or national legislation applicable to PSPs.
Države članice bi morale določiti pravila o kaznih, ki veljajo za kršitve te uredbe ter zagotoviti, da so te kazni učinkovite, sorazmerne in odvračilne ter da se izvajajo.
Member States should lay down rules on the penalties applicable to infringements of this Regulation and should ensure that those penalties are effective, proportionate and dissuasive and that they are applied.
Te kazni se ne bi smele uporabljati za potrošnike.
Those penalties should not be applied to consumers.
Da bi se zagotovila možnost povrnitve škode v primerih nepravilne uporabe te uredbe
In order to ensure that redress is possible where this Regulation has been incorrectly applied,
ali kadar pride med uporabniki in ponudniki plačilnih storitev do sporov v zvezi s pravicami in obveznostmi v skladu s to uredbo,
or where disputes occur between PSUs and PSPs concerning rights and obligations arising under this Regulation,
bi morale države članice določiti ustrezne in učinkovite izvensodne pritožbene postopke in postopke za povrnitev škode.
Member States should establish adequate and effective out-of-court complaint and redress procedures.
Države članice bi lahko določile, da se ti postopki uporabljajo le za potrošnike ali le za potrošnike in mikropodjetja.
Member States should be able to decide that those procedures apply only to consumers or only to consumers and microenterprises.
Komisija bi morala predložiti poročilo Evropskemu parlamentu, Svetu, Evropskemu ekonomsko-socialnemu odboru, EBA in ECB o izvajanju te uredbe.
The Commission should submit a report to the European Parliament, the Council, the European Economic and Social Committee, EBA and the ECB on the application of this Regulation.
Poročilu bi bilo treba po potrebi priložiti predlog za spremembo te uredbe.
The report should be accompanied, where necessary, by a proposal for the amendment of this Regulation.
Da bi se zagotovila ažurnost tehničnih zahtev za kreditne prenose in direktne bremenitve v eurih, bi bilo treba na Komisijo prenesti pooblastila, da v skladu s členom 290 PDEU sprejme akte glede teh tehničnih zahtev.
In order to ensure that the technical requirements for credit transfers and direct debits in euro remain up-to-date, the power to adopt acts in accordance with Article 290 TFEU should be delegated to the Commission in respect of those technical requirements.
V izjavi (št. 39) o členu 290 PDEU, ki je priložena Sklepni listini medvladne konference, ki je sprejela Lizbonsko pogodbo, se je konferenca seznanila z namero Komisije, da se bo pri pripravi osnutkov delegiranih aktov na področju finančnih storitev v skladu z ustaljeno prakso še naprej posvetovala s strokovnjaki, ki jih bodo imenovale države članice.
In the Declaration (No 39) on Article 290 TFEU, annexed to the Final Act of the Intergovernmental Conference which adopted the Treaty of Lisbon, the Conference took note of the Commission's intention to continue to consult experts appointed by the Member States in the preparation of draft delegated acts in the financial services area, in accordance with its established practice.
Zlasti je pomembno, da Komisija pri svojem pripravljalnem delu opravi ustrezna in pregledna posvetovanja, vključno z ECB in vsemi zainteresiranimi stranmi.
It is of particular importance that the Commission carry out appropriate and transparent consultation during its preparatory work, including with the ECB and all relevant stakeholders.
pripravljalnega dela
preparatory work
Države članice, katerih valuta ni euro, bi kljub temu morale izpolniti tehnične zahteve za oblikovanje resničnega evropskega plačilnega območja, ki bo okrepilo notranji trg.
Member States whose currency is not the euro should, however, comply with the technical requirements to create a true European payments area, which will strengthen the internal market.
Da bi zagotovili široko podporo javnosti za SEPA, je bistvena visoka raven varstva za plačnike, zlasti za transakcije z direktnimi bremenitvami.
In order to ensure broad public support for SEPA, a high level of protection for payers is essential, particularly for direct debit transactions.
Sedanja in edina vseevropska shema direktnih bremenitev za potrošnike, ki jo je razvil Evropski svet za plačila zagotavlja brezpogojno pravico do povračila za avtorizirana plačila v obdobju osmih tednov od datuma, na katerega so bila sredstva odtegnjena, medtem ko za to pravico do povračila velja več pogojev iz člena 62 in 63 Direktive 2007/64/ES.
The current and only pan-European direct debit scheme for consumers developed by the EPC provides for a ‘no-questions-asked’, unconditional refund right for authorised payments during a period of eight weeks from the date on which the funds were debited, while that refund right is subject to several conditions under Articles 62 and 63 of Directive 2007/64/EC.
Z vidika prevladujočih razmer na trgu in potrebe po zagotovitvi visoke ravni varstva potrošnikov je treba vpliv teh določb oceniti v poročilu, ki ga Komisija v skladu s členom 87 Direktive 2007/64 najpozneje do 1. novembra 2012 predloži Evropskemu parlamentu, Svetu, Evropskemu ekonomsko-socialnemu odboru in ECB in po potrebi priloži predlog za njegovo revizijo.
In the light of the prevailing market situation and of the necessity to ensure a high level of consumer protection, the impact of those provisions should be assessed in the report that, in accordance with Article 87 of Directive 2007/64/EC, the Commission shall, no later than 1 November 2012, present to the European Parliament, the Council, the European Economic and Social Committee and the ECB accompanied, where appropriate, by a proposal for its revision.
Direktiva Evropskega parlamenta in Sveta 95/46/ES z dne 24. oktobra 1995 o varstvu posameznikov pri obdelavi osebnih podatkov in o prostem pretoku takih podatkov
Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data
ureja obdelavo osebnih podatkov v skladu s to uredbo.
governs the processing of personal data carried out pursuant to this Regulation.
Prehod na SEPA ter uvedba skupnih standardov in pravil za plačila bi morala temeljiti na spoštovanju nacionalnega prava o varstvu občutljivih osebnih podatkov v državah članicah ter varovati interese državljanov Unije.
Migration to SEPA and the introduction of common standards and rules for payments should be based on compliance with national law on the protection of sensitive personal data in Member States and should safeguard the interests of Union citizens.