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报告摘要

EU Rules on Electronic Payments: Summary

Core Content

The European Union has implemented a series of regulations aimed at making electronic payments within the EU and associated countries (Iceland, Norway, and Liechtenstein) cheaper, easier, and safer. These rules are part of broader legislative efforts to modernize and standardize payment services across Europe.

Main Viewpoints and Key Information

1. Cross-Border Payment Convenience

You can make electronic payments throughout Europe as easily and safely as in your home country.
No extra costs are allowed for merchants when you use a card issued in the EU for payments.
The rules apply to all types of electronic payments, including credit transfers, direct debits, and card payments.

2. Right to a Payment Account

Every consumer legally residing in the EU has the right to have a bank account for electronic payments.
This account can be provided free of charge or for a reasonable fee.
It must include features such as cash withdrawals, safekeeping of funds, and making/receiving payments.

3. Cost of Payments in Euro

A single euro account allows you to make all payments across Europe.
Cross-border payments in euro are now as cost-effective as domestic payments.
From 15 December 2019, cross-border payments in euro are treated the same as domestic payments in your national currency.
Cash withdrawals in euro outside your bank’s ATM network should cost the same as in your home country.

4. Enhanced Security and Protection

Strong customer authentication (SCA) was introduced in September 2019 to improve the security of electronic payments.
SCA requires the use of multiple authentication factors, such as a PIN and a fingerprint.
In the case of unauthorized payments, your liability is limited to €50, except in cases of gross negligence.
If you report the unauthorized payment promptly, you are not liable for any amount after that.
For online payments, if your payment service provider does not use SCA, you are not liable for unauthorized transactions.
When the final payment amount is not known in advance, such as with hotel or car rental bookings, the merchant can only block an agreed amount with your approval.
You have 8 weeks to challenge any unduly charged amount via direct debit, and reimbursement must occur within 10 working days.

5. Fair Pricing for Consumers

You have the right to know the charges associated with your payments.
Merchants cannot surcharge you for using consumer debit or credit cards.
In certain cases, a surcharge may still apply, but it must reflect the true cost to the merchant.
If you feel unfairly overcharged, you can refer to the provided web-link to learn more about your rights.

6. Access to New Financial Services

You can now use innovative financial services from licensed and regulated payment service providers other than your own bank.
These services allow you to monitor your finances or make online purchases without a traditional credit or debit card.
All new payment service providers must be licensed and supervised, and securely handle your data.

7. Complaint Resolution Process

If there is a problem with your payment, your bank or payment service provider must respond to complaints within 15 business days.
If you are still not satisfied, you can bring your case to the national competent authority.