#514160
D’fhonn aistriú creidmheasa a dhéanamh, ní mór rochtain a bheith ar chuntas íocaíochta an íocaí.
For a credit transfer to be executed, the payee’s payment account must be reachable.
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#514163
Ba cheart go mbeadh gach cuntas íocaíochta íocaithe a bheidh inrochtana d’aistriú creidmheasa náisiúnta inrochtana trí scéim d’aistriú creidmheasa uile-Aontais.
All payee payment accounts reachable for a national credit transfer should also be reachable via a Union-wide credit transfer scheme.
#514313
Ceanglais maidir le haistrithe creidmheasa agus dochair dhíreacha
Requirements for credit transfer and direct debit transactions
#514314
Déanfaidh SSIanna aistrithe creidmheasa agus dochair dhíreacha i gcomhréir leis na ceanglais seo a leanas:
PSPs shall carry out credit transfer and direct debit transactions in accordance with the following requirements:
#514475
méid an aistrithe creidmheasa;
the amount of the credit transfer,
#514485
aon chuspóir de chuid an aistrithe creidmheasa;
any purpose of the credit transfer,
#514486
catagóir aon chuspóra de chuid an aistrithe creidmheasa.
any category of the purpose of the credit transfer.
#514491
dáta socraíochta an aistrithe creidmheasa;
the settlement date of the credit transfer,
#514492
uimhir thagartha SSI an íocóra le haghaidh na teachtaireachta aistrithe creidmheasa.
the reference number of the credit transfer message of the payer’s PSP,
#1353332
(f) aistriú creidmheasa;
( f ) a credit transfer;
#1491311
(p) corás aistrithe creidmheasa a oibriú,
( p ) the operation of a credit transfer system,
#1683849
ciallaíonn “aistriú creidmheasa” aistriú creidmheasa mar a shainmhínítear é i bpointe (24) d'Airteagal 4 de Threoir (AE) 2015/2366;
‘credit transfer’ means credit transfer as defined in point (24) of Article 4 of Directive (EU) 2015/2366;
#1924590
Aistriú leictreonach creidmheasa
Electronic credit transfer
#1925101
H Aistriú leictreonach creidmheasa
H Electronic credit transfer
#2040708
An Córas Eorpach Aistrithe Creidiúna - https://ec.europa.eu/education/resources-and-tools/european-credit-transfer-and-accumulation-system-ects_ga
European Credit Transfer and Accumulation System – https://ec.europa.eu/education/resources-and-tools/european-credit-transfer-and-accumulation-system-ects_en
#2446403
“Scéim Aistrithe Creidmheasa Meandraí (SCT Inst.) SEPA de chuid na Comhairle Eorpaí um Íocaíochtaí” nó “Scéim SCT Inst”, (European Payments Council”s SEPA Instant Credit Transfer (SCT Inst) scheme or SCT Inst Scheme);
‘European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme’ or ‘SCT Inst Scheme’;
#2835911
aistriú creidmheasa mar a shainmhínítear in Airteagal 4, pointe (24), de Threoir (AE) 2015/2366;
a credit transfer as defined in Article 4, point (24), of Directive (EU) 2015/2366;
#2943370
Aistrithe Creidmheasa Meandraí (SCT Inst.) SEPA de chuid na Comhairle Eorpaí um Íocaíochtaí" nó “scéim SCT Inst”;’;
“European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme” or “SCT Inst scheme”;’;
#3199185
Aistriú leictreonach creidmheasa
Electronic credit transfer
#3245173
ciallaíonn ‘aistriú creidmheasa inmheánach’ aistriú creidmheasa a chuirtear i gcrích láithreach, 24 uair an chloig in aghaidh an lae agus ar aon lá féilire;
“instant credit transfer” means a credit transfer which is executed immediately, 24 hours a day and on any calendar day;
#3245185
Idirbhearta aistrithe creidmheasa meandracha
Instant credit transfer transactions
#3245260
Le linn aistriú creidmheasa meandrach a chur i gcrích, ní dhéanfaidh SSI an íocóra SSI an íocaí a bhfuil baint acu leis an aistriú creidmheasa meandrach sin a chur i gcrích a fhíorú cibé acu an t-íocóir nó an t-íocaí lena n-úsáidtear a chuntais íocaíochta chun an t-aistriú creidmheasa meandrach sin a chur i gcrích daoine nó eintitis atá faoi réir bearta sriantacha airgeadais spriocdhírithe sa bhreis ar fhíoruithe a dhéanamh faoi mhír 1 den Airteagal seo.
During the execution of an instant credit transfer, the payer’s PSP and the payee’s PSP involved in the execution of that instant credit transfer shall not verify whether the payer or the payee whose payment accounts are used for the execution of that instant credit transfer are persons or entities subject to targeted financial restrictive measures in addition to carrying out verifications under paragraph 1 of this Article.
#514170
I bhfianaise shaintréithe an mhargaidh ghnó, agus cé go gcaithfidh gach scéim d’aistriú creidmheasa nó de dhochar díreach ó ghnó go gnó nó scéim aistrithe creidmheasa cloí le gach foráil eile sa Rialachán seo, lena n-áirítear na rialacha céanna a bheith ann le haghaidh idirbheart trasteorann agus idirbheart náisiúnta, ba cheart nach mbeadh feidhm ag an riachtanas go mbeadh rannpháirtithe a bhfuil ionadaíocht á déanamh acu ar thromlach na SSIanna i bhformhór na mBallstát ach amháin sa mhéid agus go mba cheart go ndéanfadh SSIanna a bhfuil seirbhísí d’aistriú creidmheasa nó de dhochar díreach ó ghnó go gnó nó scéim aistrithe creidmheasa ionadaíocht ar thromlach na SSIanna i bhformhór na mBallstát nach bhfuil seirbhísí den sórt sin ar fáil iontu, agus gur cheart go ndéanfaidís suas tromlach na SSIanna a chuireann seirbhísí den sórt sin ar fáil laistigh den Aontas.
Given the specific characteristics of the business market, whilst business-to-business credit transfer or direct debit schemes need to comply with all other provisions in this Regulation, including having the same rules for cross-border and national transactions, the requirement that participants represent a majority of PSPs within the majority of Member States should apply only to the extent that PSPs providing business-to-business credit transfer or direct debit services represent a majority of PSPs in the majority of Member States where such services are available, and constitute a majority of PSPs providing such services within the Union.
#667928
Is é príomhchuspóir Rialachán (AE) Uimh. 260/2012 ascnamh a dhéanamh ó scéimeanna aistrithe creidmheasa agus dochar díreach náisiúnta chuig scéimeanna comhchuibhithe i dtaca le haistrithe creidmheasa SEPA (ACS) agus le scéimeanna dochair dhíreacha SEPA (DDS), inter alia trí uimhir idirnáisiúnta uathúil chuntas bainc (IBAN) a chur ar fáil do shaoránaigh an Aontais, uimhir is féidir a úsáid le haghaidh gach ACS agus gach DDS atá ainmnithe in euro.
The main objective of Regulation (EU) No 260/2012 is the migration from national credit transfer and direct debit schemes to harmonised SEPA credit transfer (SCT) and SEPA direct debit (SDD) schemes, inter alia, by providing Union citizens with a unique international bank account number (IBAN) that can be used for all SCTs and SDDs denominated in euro.
#1787326
I gcás ina ndéanann soláthraí seirbhíse íocaíochta an íocóra seirbhís comhshó airgeadra a thairiscint i ndáil le haistriú creidmheasa, mar a shainmhínítear i bpointe 24 d'Airteagal 4 de Threoir (AE) 2015/2366, a gcuirtear tús leis go díreach ar líne, ag úsáid shuíomh gréasáin nó feidhmchlár baincéireachta móibílí an tsoláthraí seirbhíse íocaíochta, déanfaidh an soláthraí seirbhíse íocaíochta, i dtaca le hAirteagal 45(1) agus Airteagal 52(3) den Treoir sin, an t-íocóir a chur ar an eolas sula gcuirtear tús leis an idirbheart íocaíochta, ar bhealach soiléir, neodrach agus intuigthe, maidir leis na muirir mheasta ar na seirbhísí comhshó airgeadra is infheidhme i leith an aistrithe creidmheasa.
When a currency conversion service is offered by the payer's payment service provider in relation to a credit transfer, as defined in point (24) of Article 4 of Directive (EU) 2015/2366, that is initiated online directly, using the website or the mobile banking application of the payment service provider, the payment service provider, with regard to Articles 45(1) and 52(3) of that Directive, shall inform the payer prior to the initiation of the payment transaction, in a clear, neutral and comprehensible manner, of the estimated charges for currency conversion services applicable to the credit transfer.
#2109893
I gcás ina ndéanann soláthraí seirbhíse íocaíochta an íocóra seirbhís comhshó airgeadra a thairiscint i ndáil le haistriú creidmheasa, mar a shainmhínítear i bpointe (24) d’Airteagal 4 de Threoir (AE) 2015/2366, a gcuirtear tús leis go díreach ar líne, ag úsáid shuíomh gréasáin nó feidhmchlár baincéireachta móibílí an tsoláthraí seirbhíse íocaíochta, déanfaidh an soláthraí seirbhíse íocaíochta, i dtaca le hAirteagal 45(1) agus Airteagal 52, pointe (3), den Treoir sin, an t-íocóir a chur ar an eolas sula gcuirtear tús leis an idirbheart íocaíochta, ar bhealach soiléir, neodrach agus intuigthe, maidir leis na muirir mheasta ar na seirbhísí comhshó airgeadra is infheidhme i leith an aistrithe creidmheasa.
When a currency conversion service is offered by the payer’s payment service provider in relation to a credit transfer, as defined in point (24) of Article 4 of Directive (EU) 2015/2366, that is initiated online directly, using the website or the mobile banking application of the payment service provider, the payment service provider, with regard to Article 45(1) and Article 52, point (3), of that Directive, shall inform the payer prior to the initiation of the payment transaction, in a clear, neutral and comprehensible manner, of the estimated charges for currency conversion services applicable to the credit transfer.
#2448274
ciallaíonn “Scéim Aistrithe Creidmheasa Meandraí SEPA (SCT Inst) de chuid na Comhairle Eorpaí um Íocaíochtaí” nó “Scéim Inst SCT” scéim um chaighdeáin oscailte uathoibrithe lena soláthraítear sraith rialacha idirbhainc atá le comhlíonadh ag rannpháirtithe SCT Inst, lena gceadaítear soláthraithe seirbhísí íocaíochta i Limistéar Aonair d’Íocaíochtaí Euro (SEPA), chun táirge aistrithe creidmheasa meandraí uathoibrithe in euro ar fud SEPA a thairiscint;
‘European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme’ or ‘SCT Inst Scheme’ means an automated, open standards scheme providing a set of interbank rules to be complied with by SCT Inst participants, allowing payment services providers in the Single Euro Payments Area (SEPA) to offer an automated SEPA-wide euro instant credit transfer product;
#2924456
ciallaíonn "scéim Aistrithe Creidmheasa Meandraí SEPA (SCT Inst) de chuid na Comhairle Eorpaí um Íocaíochtaí" nó "scéim Inst SCT" scéim um chaighdeáin oscailte uathoibrithe lena soláthraítear sraith rialacha idirbhainc atá le comhlíonadh ag rannpháirtithe scéim SCT Inst, lena gceadaítear soláthraithe seirbhísí íocaíochta i Limistéar Aonair d'Íocaíochtaí Euro (Single Euro Payments Area, SEPA), chun táirge aistrithe creidmheasa meandraí uathoibrithe in euro ar fud SEPA a thairiscint;‘;
“European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme” or “SCT Inst scheme” means an automated, open standards scheme providing a set of interbank rules to be complied with by SCT Inst scheme participants, allowing payment services providers in the Single Euro Payments Area (SEPA) to offer an automated SEPA-wide euro instant credit transfer product;’;
#2943541
ciallaíonn “scéim Aistrithe Creidmheasa Meandraí SEPA (SCT Inst) de chuid na Comhairle Eorpaí um Íocaíochtaí" nó ‘scéim Inst SCT’ scéim um chaighdeáin oscailte uathoibrithe lena soláthraítear sraith rialacha idirbhainc atá le comhlíonadh ag rannpháirtithe scéim SCT Inst, lena gceadaítear soláthraithe seirbhísí íocaíochta i Limistéar Aonair d’Íocaíochtaí Euro (SEPA), chun táirge aistrithe creidmheasa meandraí uathoibrithe in euro ar fud SEPA a thairiscint;’;
“European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme” or “SCT Inst scheme” means an automated, open standards scheme providing a set of interbank rules to be complied with by SCT Inst scheme participants, allowing payment services providers in the Single Euro Payments Area (SEPA) to offer an automated SEPA-wide euro instant credit transfer product;’;
#3245080
Ba cheart gurb é an tráth a bhfaightear ordú íocaíochta le haghaidh aistriú creidmheasa meandrach a chuirtear isteach mar chuid de phacáiste d’orduithe íocaíochta iolracha an tráth a dhéantar an t-idirbheart aonair aistrithe creidmheasa meandracha a dhéantar dá bharr a dhíphacáil, agus aon srianta acmhainneachta a bhaineann le córas íocaíochta miondíola a cuireadh in iúl do SSI an íocóra á gcur san áireamh.
The time of receipt of a payment order for an instant credit transfer submitted in a package of multiple payment orders should be the moment when the ensuing individual instant credit transfer transaction has been unpacked, taking into account any capacity constraints of a retail payment system which have been communicated to the payer’s PSP.
#3245083
I gcás ina gcuirtear isteach ordú íocaíochta le haghaidh aistriú creidmheasa meandrach in euro ó chuntas íocaíochta nach n-ainmnítear in euro, ba cheart gurb é an tráth a bhfaighfear an t-ordú íocaíochta sin an tráth a chomhshónn SSI an íocóra, díreach tar éis an t-ordú le haghaidh aistriú creidmheasa meandrach a dhéanamh le SSI sin, méid an idirbhirt ón airgeadra ina n-ainmnítear an cuntas íocaíochta go euro.
Where a payment order for an instant credit transfer in euro is submitted from a payment account that is not denominated in euro, the time of receipt of that payment order should be the moment when the payer’s PSP, immediately after that payment order for an instant credit transfer in euro has been placed with it, converts the amount of the transaction into euro from the currency in which the payment account is denominated.
#3245104
Níor cheart réiteach íocaíochta atá bunaithe ar aistriú creidmheasa meandrach lena gcuimsítear gnéithe nó seirbhísí breise a mheas mar aistriú creidmheasa de chineál neamh-mheandrach a thairgtear gan na gnéithe ná na seirbhísí breise céanna.
An instant-credit-transfer-based payment solution encompassing additional features or services should not be considered to be of corresponding nature to a non-instant credit transfer offered without the same additional features or services.
#3245106
Ba cheart a áirithiú, ó thaobh USI de, nach mbeidh níos mó costais i gceist le haistriú creidmheasa meandrach in euro a sheoladh nó a fháil ná mar atá le haistriú creidmheasa neamh-mheandrach a sheoladh nó a fháil in euro a chuirtear ar fáil agus na gnéithe nó na seirbhísí breise céanna ann.
It should be ensured that, from the PSU’s perspective, it is not more expensive to send or receive an instant credit transfer in euro than it is to send or receive a non-instant credit transfer in euro provided with the same additional features or services.
#3245107
Go háirithe, i gcás SSInna a bhfuil cineálacha éagsúla réiteach íocaíochta á dtairiscint acu nach bhfuil de dhifríocht eatarthu ach gurb é úsáid aistrithe creidmheas meandracha a bhíonn i gceist i gceann amháin agus gur aistrithe creidmheasa neamh-mheandracha a bhíonn i gceist sa cheann eile, ba cheart dóibh a áirithiú nach mbeidh an muirear iomlán a ghearrtar ar an leagan den aistriú creidmheasa meandrach in euro níos airde ná an muirear a ghearrtar ar an leagan den aistriú creidmheas neamh-mheandrach in euro.
In particular, PSPs offering different variants of a payment solution where the only distinguishing characteristic between them would be the use of instant credit transfers in one and non-instant in the other, should ensure that the total charge for the instant credit transfer in euro variant is not higher than the charge for the non-instant credit transfer in euro variant.
#3245195
D’ainneoin Airteagal 78(2) de Threoir (AE) 2015/2366, má aontaíonn an t-íocóir agus SSI an íocóra go gcuirfear i gcrích an t-ordú íocaíochta le haghaidh aistriú creidmheasa meandrach ag tráth sonrach ar lá sonrach nó ag an nóiméad a chuirfidh an t-íocóir cistí ar fáil do SSI, measfar gurb é an tráth a bhfaightear an t-ordú íocaíochta le haghaidh aistriú creidmheasa meandrach an tráth comhaontaithe, gan beann ar an uair nó ar an lá féilire.
Notwithstanding Article 78(2) of Directive (EU) 2015/2366, if the payer and the payer’s PSP agree that execution of the payment order for an instant credit transfer is to take place at a specific time on a specific day or at the moment when the payer has put funds at the disposal of the PSP, the time of receipt of the payment order for an instant credit transfer shall be deemed to be the agreed time, regardless of the hour or calendar day.
#3245197
i gcás ordú íocaíochta neamhleictreonaí le haghaidh aistriú creidmheasa meandrach, an nóiméad a mbeidh an fhaisnéis faoin ordú íocaíochta curtha isteach ag SSI ina chóras inmheánach, rud a tharlóidh a luaithe is féidir tar éis don íocóir an t-ordú íocaíochta neamhleictreonaí le haghaidh aistriú creidmheasa meandrach a dhéanamh le SSI an íocóra;
for a non-electronic payment order for an instant credit transfer, the moment when the payer’s PSP has introduced the payment order information into its internal system, which shall occur as soon as possible after the non-electronic payment order for an instant credit transfer has been placed by the payer with the payer’s PSP;
#3245199
i gcás ordú íocaíochta le haghaidh aistriú creidmheasa meandrach ó chuntais íocaíochta nach n-ainmnítear in euro, tráth a ndearnadh méid an idirbhirt íocaíochta a chomhshó go euro; déanfar an comhshó airgeadra sin díreach tar éis don íocóir an t-ordú íocaíochta le haghaidh aistriú creidmheasa meandrach a dhéanamh le SSI an íocóra.
for a payment order for an instant credit transfer from payment accounts that are not denominated in euro, the moment when the amount of the payment transaction has been converted into euro; such currency conversion shall take place immediately after the payment order for an instant credit transfer has been placed by the payer with the payer’s PSP.
#3245210
I gcás ina sáraíonn ordú íocaíochta USI le haghaidh aistriú creidmheasa meandrach an t-uasmhéid nó i gcás ina bhfuil sé ina chúis le sárú, ní dhéanfaidh SSI an íocóra an t-ordú íocaíochta le haghaidh aistriú creidmheasa meandrach a chur i gcrích, cuirfidh sé SSI ar an eolas ina leith agus cuirfidh sé USI ar an eolas faoin gcaoi is féidir an t-uasmhéid a mhodhnú.
Where a PSU’s payment order for an instant credit transfer exceeds, or leads to exceeding of, the maximum amount, the payer’s PSP shall not execute the payment order for the instant credit transfer, shall notify the PSU thereof and shall inform the PSU as to how to modify the maximum amount.
#3245301
Ní bheidh feidhm ag mír 1 den Airteagal seo i gcás ina gceanglófaí le hAirteagal 5b(1) de Rialachán (AE) Uimh. 260/2012 ó Pharlaimint na hEorpa agus ón gComhairle ar sholáthraí seirbhíse íocaíochta atá lonnaithe i mBallstát nach bhfuil an euro mar airgeadra aige, maidir le haistriú creidmheasa meandrach, muirear a thobhach a bheadh níos ísle ná an muirear a thoibheofaí, maidir leis an aistriú creidmheasa meandrach céanna, dá gcuirfí mír 1 den Airteagal seo i bhfeidhm.
Paragraph 1 of this Article shall not apply where Article 5b(1) of Regulation (EU) No 260/2012 of the European Parliament and of the Council would require a payment service provider located in a Member State that does not have the euro as its currency, with respect to an instant credit transfer, to levy a charge which would be lower than the charge which would be levied, with respect to the same instant credit transfer, if paragraph 1 of this Article were to be applied.
#3245302
Chun críocha na chéad fhomhíre den mhír seo, ciallaíonn an téarma ‘aistriú creidmheasa meandrach’ aistriú creidmheasa meandrach mar a shainmhínítear in Airteagal 2, pointe (1a), de Rialachán (AE) Uimh. 260/2012, atá in euro agus trasteorann.
For the purposes of the first subparagraph of this paragraph, the term “instant credit transfer” means an instant credit transfer as defined in Article 2, point (1a), of Regulation (EU) No 260/2012, that is in euro and cross-border.
#514145
Ba cheart, dá bhrí sin, rialacha a leagan síos chun cur i gcrích gach idirbheart aistrithe creidmheasa agus gach idirbheart dochair dhírigh atá ainmnithe in euro laistigh den Aontas a chumhdach.
Rules should therefore be laid down to cover the execution of all credit transfer and direct debit transactions denominated in euro within the Union.
#514161
Dá bhrí sin, d’fhonn go n-áiritheofar go n-úsáidfaí seirbhísí aistrithe creidmheasa agus seirbhísí do dhochair dhíreacha uile-Aontais, ba cheart oibleagáid inrochtaineachta a bhunú ar fud an Aontais.
Therefore, in order to encourage the successful take-up of Union-wide credit transfer and direct debit services, a reachability obligation should be established across the Union.
#514165
Ba cheart go beadh feidhm aige seo gan dochar do chinneadh SSI bheith rannpháirteach in aistriú creidmheasa nó i scéim dochair dhírigh ar leith.
This should apply whether or not a PSP decides to participate in a particular credit transfer or direct debit scheme.
#514301
gurb ionann a rialacha d’aistrithe náisiúnta agus trasteorann creidmheasa laistigh den Aontas agus, gurb amhlaidh do dhochair dhíreacha náisiúnta agus trasteorann laistigh den Aontas;
their rules are the same for national and cross-border credit transfer transactions within the Union and similarly for national and cross-border direct debit transactions within the Union;
#514472
I dteannta na gceanglas dá dtagraítear i bpointe (1), beidh feidhm ag na ceanglais seo a leanas maidir le hidirbhearta aistrithe creidmheasa:
In addition to the requirements referred to in point (1), the following requirements shall apply to credit transfer transactions:
#685363
aistriú creidmheasa mar atá sainmhínithe i bpointe (1) d'Airteagal 2 de Rialachán (AE) Uimh. 260/2012;
a credit transfer as defined in point (1) of Article 2 of Regulation (EU) No 260/2012;
#1683793
I gcás dochar díreach, ba cheart cead a bheith ag trádálaithe réamhíocaíocht a iarraidh trí aistriú creidmheasa sula seolfar na hearraí nó sula soláthrófar an tseirbhís.
In the case of direct debit, traders should be allowed to request advance payment via credit transfer before goods are dispatched or before the service is provided.
#1683879
go ndéantar an t-idirbheart íocaíochta trí bhíthin idirbheart leictreonach trí aistriú creidmheasa, trí dhochar díreach nó trí ionstraim íocaíochta cártabhunaithe laistigh den bhranda agus den chatagóir íocaíochta céanna;
the payment transaction is made through an electronic transaction by credit transfer, direct debit or a card-based payment instrument within the same payment brand and category;
#2446717
más iarrathóir DCA TIPS, gur chloigh sé leis an scéim ACS Inst trí Chomhaontú Forleanúna um Aistriú Creidmheasa Meandrach SEPA a shíniú;
if it is an applicant for a TIPS DCA, has adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement;
#2447343
Ní mór gur chloigh páirtithe inrochtana leis an scéim SCT Inst trí Chomhaontú Forleanúna um Aistriú Meandrach Creidmheasa SEPA a shíniú.
Reachable parties shall have adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement.