66It should be noted, third, that under Article 51 of Directive 2007/64, where the payment service user is not a consumer, the parties may agree that, inter alia, Article 75 of that directive is not to apply in whole or in part. Recital 20 of the directive, in the light of which Article 51 must be read, states that, since consumers and enterprises are not in the same position, they do not need the same level of protection. Recital 20 also states that, while it is important to guarantee consumers’ rights by means of provisions which cannot be derogated from by contract, it is reasonable to let enterprises and organisations agree otherwise. That recital adds, however, that, in any event, certain core provisions of Directive 2007/64 should always be applicable, irrespective of the status of the user.
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