“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’;
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”;’;
D’uireasa ascnaimh iomláin chuig ACS agus DDS, ní fhéadtar moilleanna ar na híocaíochtaí sin a eisiamh dá bhrí sin.
Failing full migration to SCT and SDD, delays in those payments cannot therefore be excluded.
ó scamaill scaipthe (SCT) nó níos lú go scamaill bhriste (BKN) nó duibheagán (OVC); nó
from scattered (SCT) or less to broken (BKN) or overcast (OVC); or
ó BKN nó OVC go SCT nó níos lú.
from BKN or OVC to SCT or less.
SCT/// nó
SCT/// or
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;
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;’;
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;’;
Léiríonn na tuarascálacha sin go bhfuil dul chun cinn maith déanta ag roinnt Ballstát sa limistéar euro agus go bhfuil rátaí ascnaimh le haghaidh ACS gar do 100 % ag na Ballstáit sin faoi láthair.
Those reports indicate that a number of Member States in the euro area are well on track with migration rates for SCT currently close to 100 %.
I bhfianaise an chuspóra fhoriomláin, mar atá ascanamh comhordaithe agus comhtháite a bhaint amach, is iomchuí go mbeadh feidhm ag an idirthréimhse maidir le ACS agus DDS araon.
In view of the overall objective to realise coordinated and integrated migration, it is appropriate that the transitional period apply to both SCT and SDD.
Chuirfeadh idirthréimhsí éagsúla i gcomhair ACS agus DDS mearbhall ar thomhaltóirí, soláthraithe seirbhísí íocaíochta, FBManna agus úsáideoirí seribhísí íocaíochta eile.
Different transitional periods for SCT and SDD would cause confusion to consumers, payment service providers, SMEs and other payment service users.
cuntais a úsáideann rannpháirtithe i gcórais a oibríonn BCN agus a úsáidtear chun íocaíochtaí meandracha a chomhlíonann an scéim ACS Inst a imréitiú.
accounts used by participants in systems operated by an NCB and used to clear instant payments complying with the SCT Inst scheme.
an nós imeachta um Shocraíocht AS TIPS chun tacú le socraíocht íocaíochtaí meandracha de bhun na scéime ACS Inst nó íocaíochtaí beagnach meandracha i leabhair an AS; nó
the TIPS AS Settlement procedure only to support the settlement of instant payments pursuant to the SCT Inst scheme or near instant payments in the books of the AS; or
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;
más iarrathóir DCA TIPS, fianaise gur chloigh sé leis an scéim SCT Inst;
if it is an applicant for a TIPS DCA, evidence of their adherence to the SCT Inst scheme;
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.
Soláthróidh sealbhóir TIPS DCA fianaise do [cuir isteach ainm BC] gur chloígh gach páirtí inrochtana ainmnithe leis an scéim SCT Inst.
A TIPS DCA holder shall provide evidence to [insert name of CB] of each designated reachable party’s adherence to the SCT Inst scheme.
Ní mór gur chloigh páirtithe inrochtana leis an scéim ACS trí Chomhaontú Forleanúna um Aistriú Creidmheasa Meandrach SEPA a shíniú.
Reachable parties shall have adhered to the SCT Inst scheme signing the SEPA Instant Credit Transfer Adherence Agreement.
Soláthróidh sealbhóir cuntais theicniúil TIPS AS fianaise do [cuir isteach ainm BC] gur chloígh gach páirtí inrochtana ainmnithe leis an scéim ACS
A TIPS AS technical account holder shall provide evidence to [insert name of CB] of each designated reachable party’s adherence to the SCT Inst scheme.
cuntais a úsáideann rannpháirtithe i gcórais a oibríonn BCN agus a úsáidtear chun íocaíochtaí meandracha a chomhlíonann an scéim SCT Inst a imréitiú.
accounts used by participants in systems operated by an NCB and used to clear instant payments complying with the SCT Inst scheme;
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.
Foráiltear le Rialachán (AE) Uimh. 260/2012 go dtarlóidh an t-ascnamh chuig SEPA faoin 1 Feabhra 2014 le go mbeidh dóthain ama ag soláthraithe seirbhísí íocaíochta agus úsáideoirí seirbhísí íocaíochta chun a bpróisis a chur in oiriúint do na ceanglais theicniúla a eascraíonn as an ascnamh chuig ACS agus DDS.
Regulation (EU) No 260/2012 has provided for the SEPA migration to take place by 1 February 2014 in order to allow payment service providers and payment service users sufficient time to adapt their processes to the technical requirements that the migration to SCT and SDD entail.
In ainneoinn na sáriarrachtaí atá déanta ag an mBanc Ceannais Eorpach, na Ballstáit, a gcuid údarás poiblí náisiúnta agus rannpháirtithe margaidh le roinnt míonna anuas, léiríonn na staitisticí is deireanaí faoin ascnamh nár ardaíodh an ráta ascnaimh iomlán sa limistéar euro chuig ACS ach ó 40 % i Meitheamh 2013 go dtí thart ar 64 % i Samhain 2013, agus nár shroich an ráta ascnaimh iomlán chuig DDS ach 26 %.
Despite the considerable efforts made by the European Central Bank, Member States, their national public authorities and market participants during recent months, the latest migration statistics show that the overall migration rate in the euro area to SCT has only increased from 40 % in June 2013 to around 64 % in November 2013, while the overall migration rate towards SDD has only reached 26 %.
Ón 1 Feabhra 2014, beidh ar bhainc agus ar sholáthraithe seirbhísí íocaíochta eile diúltú aistrithe creidhmheasa nó dochair dhíreacha a phróiseáil mura bhfuil siad comhlíontach maidir le SEPA mar gheall ar a gcuid oibleagáidí dlíthiúla, cé go bhféadfaidís, go teicniúil, na híocaíochtaí sin a phroiseáil, mar atá cúrsaí faoi láthair, trí leanúint d’úsáid na scéimeanna íocaíochtaí leagáide atá ann faoi láthair i dteannta le ACS agus DDS.
From 1 February 2014, banks and other payment service providers will have to refuse to process credit transfers or direct debits that are not SEPA-compliant because of their legal obligations, although, as is currently already the case, they technically could process those payments by continuing to use existing legacy payment schemes alongside SCT and SDD.
Ba cheart, dá bhrí sin, cead a thabhairt, ar feadh tréimhse teoranta ama, do sholáthraithe seirbhísí íocaíochta, leanúint d’idirbhearta íocaíochta a phróiseáil trína scéimeanna leagáide i dteannta a gcuid scéimeanna ACS agus DDS, mar atáthar ag déanamh faoi láthair.
Payment service providers should therefore be allowed, for a limited period of time, to continue the processing of payment transactions through their legacy schemes alongside their SCT and SDD schemes, as they are doing now.
Féadfaidh BCanna sa Eurochóras, go heisceachtúil agus tar éis cead a fháil ón gcomhlacht Leibhéal 2 dá dtagraítear in Iarscríbhinn II, úsáid DCA RTGS ag AS a fhorcheadú ach amháin maidir le socraíocht íocaíochtaí meandracha de bhun na scéime ACS Inst.
The Eurosystem CBs may, exceptionally and following approval of the Level 2 body as referred to in Annex II, approve the use of an RTGS DCA by an AS except in relation to the settlement of instant payments pursuant to the SCT Inst scheme.
más iarrathóir cuntais theicniúil AS TIPS, go bhfuil fianaise curtha ar fáil aige gur cuireadh an litir nochtaithe lena taispeántar a rún le bheith ina Sásra Imréitigh agus Glanta (CSM) de chuid SCT Inst comhlíontach ar fáil don Chomhairle Eorpach um Íocaíochtaí (CEI).
if it is an applicant for a TIPS AS technical account, has provided evidence that the disclosure letter showing their intent to be an SCT Inst compliant Clearing and Settlement Mechanism (CSM) has been provided to the European Payments Council (EPC).
má tá an t-iarratasóir ag déanamh iarratais ar nós imeachta socraíochta TIPS AS a úsáid, fianaise gur chuir sé an litir nochtaithe lena taispeántar go bhfuil sé ar intinn aige a bheith ina CSM a chomhlíonann SCT Inst ar fáil don CEI;
if the applicant is applying to use the TIPS AS settlement procedure, evidence that they have provided the EPC with the disclosure letter showing their intent to be an SCT Inst compliant CSM;
Féadfaidh siad MCA, DCAnna T2S agus, go heisceachtúil agus má cheadaítear iad le [cuir isteach ainm BC], DCA RTGS amháin nó níos mó a bheith acu ach amháin maidir le híocaíochtaí meandreacha a ghlanadh de bhun na scéime SCT Inst.
They may hold one or more MCAs, T2S DCAs and, exceptionally and if approved by [insert name of CB], one or more RTGS DCAs except in relation to the clearing of instant payments pursuant to the SCT Inst scheme.
Má chloígh sealbhóir an MCA leis an scéim SCT Inst trí Chomhaontú Forleanúna um Aistriú Creidmheasa Meandraí SEPA a shíniú, ní osclófar ná ní oibreofar DCA(nna) RTGS (agus aon fho-chuntais) mura bhfuil sealbhóir an MCA teagmhála agus mura bhfanfaidh sé inteagmhála i gcónaí, mar shealbhóir DCA TIPS nó mar pháirtí inteagmhála trí shealbhóir DCA TIPS.
If the MCA holder has adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement, the RTGS DCA(s) (and any sub-accounts) shall not be opened or operated unless the MCA holder is and remains reachable at all times, either as a TIPS DCA holder or as a reachable party via a TIPS DCA holder.
Ní fhéadfaidh sealbhóirí DCA RTGS sealbhóirí BIC inteagmhála a chloígh le scéim SCT Inst trí shíniú Comhaontaithe Forleanúna um Aistriú Creidmheasa Meandrach SEPA a chláraigh ach amháin má tá na heintitis sin inrochtana, mar shealbhóir DCA TIPS nó mar pháirtí inrochtana trí shealbhóir DCA TIPS.
RTGS DCA holders may register addressable BIC holders that have adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement only if such entities are reachable, either as a TIPS DCA holder or as a reachable party via a TIPS DCA holder.
Tabharfar an t-údarú chun DCA RTGS a úsáid trí rochtain ilseolaithe mar atá leagtha amach i mír 1 ar eintitis dá dtagraítear i bpointe (a) de mhír 1 a chloígh le scéim Inst SCT trí Chomhaontú Forleanúna um Aistriú Creidmheasa Meandrach SEPA a shíniú ach amháin má tá na heintitis sin inrochtana, mar shealbhóir DCA TIPS nó mar pháirtí inrochtana trí shealbhóir TIPS DCA.
The authorisation to use an RTGS DCA by way of multi-addressee access as set out in paragraph 1 shall be given to entities referred to in point (a) of paragraph 1 that have adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement only if such entities are reachable, either as a TIPS DCA holder or as a reachable party via a TIPS DCA holder.
Cuirfidh sealbhóir DCA TIPS [cuir isteach ainm BC] ar an eolas mura gcloíonn aon pháirtí inrochtana ainmnithe leis an scéim SCT Inst a thuilleadh agus glacfaidh sé, gan mhoill mhíchuí, bearta chun cosc a chur ar an bpáirtí sin rochtain a fháil ar DCA TIPS.
A TIPS DCA holder shall inform [insert name of CB] if any designated reachable party no longer adheres to the SCT Inst scheme and shall, without undue delay, take steps to prevent the reachable party from accessing the TIPS DCA.
I gcás diúltaithe ag an t-íocaí nó mura bhfaightear freagra tráthúil uaidh, de réir bhrí na scéime Inst SCT, déanfaidh an t-ordú íocaíochta meandraí a dhiúltú agus cuirfear deireadh leis an bhforchoimeádas go comhuaineach.
In the event of rejection by the payee or the absence of a timely response, within the meaning of the SCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.
Féadfaidh [cuir isteach ainm BC] ar iarratas ó AS a shocraíonn íocaíochtaí meandracha de bhun scéim SCT Inst nó íocaíochtaí gar láithreacha ina leabhair féin, cuntas teicniúil TIPS AS amháin nó níos mó a oscailt agus a oibriú.
The [insert name of CB] may on the request of an AS that settles instant payments pursuant to the SCT Inst scheme or near instant payments in its own books, open and operate one or more TIPS AS technical accounts.
Cuirfidh sealbhóir chuntais theicniúil TIPS AS [cuir isteach ainm BC] ar an eolas mura gcloíonn aon pháirtí inrochtana ainmnithe leis an scéim ACS a thuilleadh agus glacfaidh sé, gan mhoill mhíchuí, bearta chun cosc a chur ar an bpáirtí sin rochtain a fháil ar TIPS AS.
A TIPS AS technical account holder shall inform [insert name of CB] if any designated reachable party no longer adheres to the SCT Inst scheme and shall, without undue delay, take steps to prevent the reachable party from accessing the TIPS AS technical account.
ciallaíonn “ordú íocaíochta meandraí“, i gcomhréir le Scéim um Aistriú Meandrach Creidmheasa SEPA (SCT Inst) na Comhairle Eorpaí um Íocaíochtaí, ordú aistrithe airgid is féidir a fhorghníomhú 24 uair sa lá aon lá féilire den bhliain, le socraíocht láithreach nó gar do láithreach agus fógra don íocóir, agus lena n-áirítear: (i) orduithe íocaíochta meandraí DCA TIPS go DCA TIPS; (ii) orduithe íocaíochta meandraí ó DCA TIPS go cuntas teicnIúil AS TIPS; (iii) orduithe íocaíochta meandraí ó chuntas teicniúil AS TIPS go DCA TIPS; agus (iv) orduithe íocaíochta meandraí ó chuntas teicniúil TIPS AS go AS TIPS;
‘instant payment order’ means, in line with the European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme, a cash transfer order which can be executed 24 hours a day any calendar day of the year, with immediate or close to immediate settlement and notification to the payer, and which includes: (i) TIPS DCA to TIPS DCA instant payment orders; (ii) TIPS DCA to TIPS AS technical account instant payment orders; (iii) TIPS AS technical account to TIPS DCA instant payment orders; and (iv) TIPS AS technical account to TIPS AS technical account instant payment orders;
ciallaíonn “íocaíocht gar meandrach“ ordú aistrithe airgid a chomhlíonann Caighdeán NL Seirbhísí Breise Roghnacha um Aistriú Creidmheasa SEPA (SCT AOS) maidir le haistrithe creidmheasa SEPA a phróiseáil láithreach;
‘near instant payment’ means a transfer of cash order which complies with the European Payments Council’s SEPA Credit Transfer Additional Optional Services (SCT AOS) NL Standard for instant processing of SEPA credit transfers;
ciallaíonn “freagra dearfach aisghairme“, ordú aistrithe airgid arna thionscnamh ag faighteoir iarrata ar aisghairm, mar fhreagairt ar iarraidh ar aisghairm, chun leasa seoltóir na hiarrata ar aisghairm sin,
‘positive recall answer’ means, in line with the European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme, a cash transfer order initiated by the receiver of a recall request, in response to a recall request, for the benefit of the sender of that recall request;
Beidh na páirtithe ar féidir teacht orthu tar éis cloí le scéim SCT a shínigh Chomhaontú Forleanúna um Aistriú Creidmheasa Meandrach SEPA agus, más féidir iad a sheoladh in TARGET mar shealbhóirí DCA RTGS, sealbhóirí BIC inseolta nó mar eintitis dá dtagraítear i gCuid III, Airteagal 3(1), pointe (a) de Threoirlíne (AE) 2022/912 (BCE/2022/8), tar éis dóibh a bheith údaraithe chun DCA RTGS a úsáid trí rochtain a fháil ar TIPS, beidh DCA TIPS acu nó beidh rochtain orthu trí DCA TIPS.’
Reachable parties shall have adhered to the SCT Inst scheme signing the SEPA Instant Credit Transfer Adherence Agreement and, if they are addressable in TARGET as RTGS DCA holders, addressable BIC holders or as entities referred to in Part III, Article 3(1), point (a) of Guideline (EU) 2022/912 (ECB/2022/8), having been authorised to use an RTGS DCA by way of multi-addressee access, they shall hold a TIPS DCA or be reachable via a TIPS DCA.’
Beidh na páirtithe ar féidir teacht orthu tar éis cloí le scéim SCT a shínigh Chomhaontú Forleanúna um Aistriú Creidmheasa Meandrach SEPA agus, más féidir iad a sheoladh in TARGET mar shealbhóirí DCA RTGS, sealbhóirí BIC inseolta nó mar eintitis dá dtagraítear i gCuid III, Airteagal 3(1), pointe (a), tar éis dóibh a bheith údaraithe chun DCA RTGS a úsáid trí rochtain a fháil ar TIPS, beidh DCA TIPS acu nó beidh rochtain orthu trí DCA TIPS.’
Reachable parties shall have adhered to the SCT Inst scheme signing the SEPA Instant Credit Transfer Adherence Agreement and, if they are addressable in TARGET as RTGS DCA holders, addressable BIC holders or as entities referred to in Part III, Article 3(1), point (a), having been authorised to use an RTGS DCA by way of multi-addressee access, they shall hold a TIPS DCA or be reachable via a TIPS DCA.’