- Account information service
means ‘account information service’ as defined in Article 4(16) of Directive (EU) 2015/2366.
- Account information service provider
means ‘account information service provider’ as defined in Article 4(19) of Directive (EU) 2015/2366.
- Account servicing payment service provider
means ‘account servicing payment service provider’ as defined in Article 4(17) of Directive (EU) 2015/2366.
- Acquirer
means ‘acquirer’ as defined in Article 2(1) of Regulation (EU) 2015/751.
- Acquiring of payment transactions
means ‘acquiring of payment transactions’ as defined in Article 4(44) of Directive (EU) 2015/2366.
- Agent
means ‘agent’ as defined in Article 4(38) of Directive (EU) 2015/2366.
- Authenticated via non-strong customer authentication
refers to transactions which are exempted from strong customer authentication pursuant to Chapter III of Commission Delegated Regulation (EU) 2018/389 as well as transactions for which the provisions in Article 97(1) of Directive (EU) 2015/2366 do not apply.
- Authentication
means ‘authentication’ as defined in Article 4(29) of Directive (EU) 2015/2366.
- Card issuer
means ‘issuer’ as defined in Article 2(2) of Regulation (EU) 2015/751.
- card with a combined debit, cash and e-money function
refers to a card issued by a PSP, which has combined cash, debit and e-money functions.
- Card-based payment instrument
means ‘card-based payment instrument’ as defined in Article 2(20) of Regulation EU 2015/751 including delayed debit cards.
- card-based payment instruments
includes all payment transactions processed in the payment system, irrespective of where the card-based payment instrument was issued or used.
- Card-based payment transaction
means ‘card-based payment transaction’ as defined in Article 2(7) of Regulation EU 2015/751 including delayed debit cards.
- Concentration ratio
means the market share of the five largest senders of payment transactions in each system (this may include the central bank).
- Credit card
has the same meaning as ‘credit card’ as defined in Article 2(34) of Regulation (EU) 2015/751.
- Credit institution
means ‘credit institution’ as defined in Article 4(1)(1) of Regulation (EU) No 575/2013.
- Credit transfer
means ‘credit transfer’ as defined in Article 4(24) of Directive (EU) 2015/2366.
- cross-border payment transaction
means ‘cross-border payment transaction’ as defined in Article 2(8) of Regulation (EU) 2015/751.
- Debit card
means ‘debit card’ as defined in Article 2(33) of Regulation (EU) 2015/751.
- Direct debit
means ‘direct debit’ as defined in Article 4(23) of Directive (EU) 2015/2366.
- Domestic payment transaction
means ‘national payment transaction’ as defined in Article 2(27) of Regulation (EU) No 260/2012.
- Electronic money
means ‘electronic money’ as defined in Article 2(2) of Directive 2009/110/EC.
- Electronic money institution
means ‘electronic money institution’ as defined in Article 2(1) of Directive 2009/110/EC.
- Electronic money issuer
means ‘electronic money issuer’ as defined in Article 2(3) of Directive 2009/110/EC.
- Fraudulent payment transaction
includes all instances of payment fraud referred to in Guideline 1.1 of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA/GL/2018/05).
- Funds
means ‘funds’ as defined in Article 4(25) of Directive (EU) 2015/2366.
- Interchange fee
means ‘interchange fee’ as defined in Article 2(10) of Regulation (EU) 2015/751.
- Issuance of a payment order by the fraudster
means ‘issuance of a payment order by the fraudster’ as defined in Guideline 1.6. d. of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA/GL/2018/05).
- Large-value payment system
means ‘large-value payment system’ as defined in Article 2(18) of Regulation (EU) No 260/2012 of the European Parliament and of the Council.
- Losses due to fraud per liability bearer
means ‘losses due to fraud per liability bearer’ as defined in Guideline 1.6. b. of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA/GL/2018/05).
- Manipulation of the payer
means ‘manipulation of the payer’ as defined in Guideline 1.1. b. of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) of Directive (EU) 2015/2366 (EBA/GL/2018/05).
- Merchant initiated transaction
means ‘Merchant initiated transaction’ as defined in Annex II, Part C, footnote 4 of the EBA Guidelines amending the EBA Guidelines on reporting requirements for fraud data under Article 96(6) of Directive (EU) 2015/2366 (EBA/GL/2020/01).
- Modification of a payment order by the fraudster
means ‘modification of a payment order by the fraudster’ as defined in Guideline 1.6 c of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA/GL/2018/05).
- Money remittance
means ‘money remittance’ as defined in Article 4(22) of Directive (EU) 2015/2366.
- Over the counter (OTC) cash deposit
includes cash deposited into a PSP’s day or night deposit box for crediting to an account at the PSP.
- Payee
means ‘payee’ as defined in Article 4(9) of Directive (EU) 2015/2366.
- Payer
means ‘payer’ as defined in Article 4(8) of Directive (EU) 2015/2366.
- Payment account
means ‘payment account’ as defined in Article 4(12) of Directive (EU) 2015/2366.
- Payment card scheme
means ‘payment card scheme’ as defined in Article 2(16) of Regulation (EU) 2015/751.
- Payment initiation service
means ‘payment initiation service’ as defined in Article 4(15) of Directive (EU) 2015/2366.
- Payment initiation service provider (PISP)
means ‘payment initiation service provider’ as defined in Article 4(18) of Directive (EU) 2015/2366.
- Payment institution
means ‘payment institution’ as defined in Article 4(4) of Directive (EU) 2015/2366.
- Payment instrument
means ‘payment instrument’ in Article 4(14) of Directive (EU) 2015/2366.
- Payment order
means ‘payment order’ as defined in Article 4(13) of Directive (EU) 2015/2366.
- Payment scheme
means a set of formal, standardised and common rules enabling the transfer of value between end-users by means of electronic payment instruments.
- payment service
means any of the business activities listed in Annex I to Directive (EU) 2015/2366 or any of the services listed in Article 4(3)(a) of this Regulation.
- Payment service provider
means ‘payment service provider’ as defined in Article 4(11) of Directive (EU) 2015/2366.
- Payment service user
means ‘payment service user’ as defined in Article 4(10) of Directive (EU) 2015/2366.
- Payment system
means ‘payment system’ as defined in Article 4(7) of Directive (EU) 2015/2366.
- Payment transactions involving non-MFIs
includes data on card-based payment transactions at virtual points of sale, e.g. over the internet or the telephone.
- Point of sale
means ‘point of sale’ as defined in Article 2(29) of Regulation (EU) 2015/751.
- PSO
means a legal entity that is legally responsible for operating a payment system.
- Remote payment transaction
means ‘remote payment transaction’ as defined in Article 4(6) of Directive (EU) 2015/2366.
- Retail payment system
means ‘retail payment system’ as defined in Article 2(22) of Regulation (EU) No 260/2012 of the European Parliament and of the Council.
- Strong customer authentication (SCA)
means ‘strong customer authentication’ as defined in Article 4(30) of Directive (EU) 2015/2366.
- Transferable deposits
means ‘transferable deposits’ as defined in ‘Instrument categories’ point 9.1a of Part 2 Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33).
- Unauthorised e-money account transaction
means an ‘unauthorised payment transaction’ as defined above in respect to the use of an e-money account.
- Unauthorised payment transaction
means ‘unauthorised payment transaction’ as defined in Guideline 1.1.a of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA-GL-2018-05).