What DIRECTIVE (EU) 2015/2366 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 25 November 2015 on payment services in the internal market - Article 74: Evidence on authentication and execution of payment transactions requires
This article requires payment service providers to bear the burden of proof when a user denies authorizing a transaction, mandating they demonstrate proper authentication, recording, and system integrity.
Pillar: Banking & Global Finance · Authority: European Parliament and Council of the European Union · Version: 1.0.0 · Last updated:
Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015L2366
SHA-256 integrity: 89095cbe07836b6a63c7ab60512c7757457095a856988f155b3b27d7f6ec370f
Primary Citations — 5 traced to source
- Article 74(1): ...where a payment service user denies having authorised an executed payment transaction, it is for the payment service provider to prove that the payment transaction was authenticated, accurately recorded, entered in the accounts and not affected by a technical breakdown or some other deficiency of the service...
- Article 74(1): If the payment transaction was initiated through a payment initiation service provider, the burden shall be on the payment initiation service provider to prove that, within its sphere of competence, the payment transaction was not affected by a technical breakdown or other deficiencies...
+ 3 more citations (full bibliography, deterministic workflow, actionable schema and crosswalks) included in the vault unlock — $0.01 via Skyfire / L402 / Direct Base USDC.
Access
- Discovery (free): /api/v1/nodes/psd2-directive-article-74-execution-time.json — 6-field metadata
- Vault (full node): /api/v1/vault/nodes/psd2-directive-article-74-execution-time.json — full 13-key payload, $0.01 USDC (L402/Skyfire/Direct Base)
- Canonical URL: https://bidda.com/intelligence/psd2-directive-article-74-execution-time
- Back to registry: Browse all 10,099 compliance nodes