#514487
Ina theannta sin, tabharfaidh SSI an íocóra na sonraí éigeantacha a leanas do SSI an íocaí:
In addition, the following mandatory data elements are to be provided by the payer’s PSP to the payee’s PSP:
Scag na torthaí
Bailiúcháin
119 toradh in 8 ndoiciméad
#3245198
i gcás ordú íocaíochta aonair d’aistriú creidmheasa meandrach a bhaineann le pacáiste dá dtagraítear i mír 7 den Airteagal seo, i gcás ina ndéanfaidh SSI an íocóra an pacáiste sin a chomhshó ina idirbhearta íocaíochta aonair, an nóiméad a ndearna SSI an íocóra an t-idirbheart íocaíochta ina dhiaidh sin a dhíphacáil; cuirfidh SSI an íocóra tús le comhshó an phacáiste díreach tar éis don íocóir an t-ordú sin a dhéanamh le SSI an íocóra agus cuirfidh an soláthraí sin an comhshó sin i gcrích a luaithe is féidir;
for an individual payment order for an instant credit transfer belonging to a package as referred to in paragraph 7 of this Article, where the conversion of that package into individual payment transactions is carried out by the payer’s PSP, the moment when the ensuing payment transaction has been unpacked by the payer’s PSP; the payer’s PSP shall start the conversion of the package immediately after it has been placed by the payer with the payer’s PSP and complete that conversion as soon as possible;
#3245203
d’ainneoin Airteagal 83 agus Airteagal 87(2) de Threoir (AE) 2015/2366, laistigh de 10 soicind ón tráth a bhfaigheann SSI an íocaí an t-ordú íocaíochta le haghaidh aistriú creidmheasa meandrach ó SSI an íocóra, cuirfidh SSI an íocaí méid an idirbhirt íocaíochta ar fáil ar chuntas íocaíochta an íocaí san airgeadra ina n-ainmnítear cuntas an íocaí agus deimhneoidh sé cur i gcrích an idirbhirt íocaíochta do SSI an íocóra;
notwithstanding Article 83 and Article 87(2) of Directive (EU) 2015/2366, the payee’s PSP shall, within 10 seconds of the time of receipt of the payment order for an instant credit transfer by the payer’s PSP, make the amount of the payment transaction available on the payee’s payment account in the currency in which the payee’s account is denominated and confirm the completion of the payment transaction to the payer’s PSP;
#3245252
I gcás ina dteipeann ar SSI an íocaí, nó ar an soláthraí seirbhíse tionscanta íocaíochta, a oibleagáidí faoin Airteagal seo a chomhlíonadh, déanfaidh SSI an íocaí nó, i gcás inarb ábhartha, an soláthraí seirbhíse tionscanta íocaíochta, SSI an íocóra a chúiteamh as an damáiste airgeadais a rinneadh do SSI an íocóra mar gheall ar an mainneachtain sin.
Where the failure to comply occurs because the payee’s PSP, or the payment initiation service provider, failed to comply with its obligations under this Article, the payee’s PSP or, where relevant, the payment initiation service provider, shall compensate the payer’s PSP for the financial damage caused to the payer’s PSP by that failure.
#514276
ciallaíonn "táille idirmhalartaithe" táille a íoctar idir SSI an íocóra agus SSI an íocaí ar dhochair dhíreacha;
"interchange fee" means a fee paid between the payer’s PSP and the payee’s PSP for direct debit transactions;
#514283
ciallaíonn "dáta socraíochta" dáta ar a ndéantar na hoibleagáidí maidir le haistriú cistí a urscaoileadh idir SSI an íocóra agus SSI an íocaí;
"settlement date" means a date on which obligations with respect to the transfer of funds are discharged between the payer’s PSP and the payee’s PSP;
#514290
ciallaíonn "idirbheart íocaíochta trasteorann" idirbheart íocaíochta arna thionscnamh ag íocóir nó íocaí sa chás go mbeidh SSI an íocóra agus SSI an íocaí lonnaithe i mBallstáit éagsúla;
"cross-border payment transaction" means a payment transaction initiated by a payer or by a payee where the payer’s PSP and the payee’s PSP are located in different Member States;
#514291
ciallaíonn "idirbheart íocaíochta náisiúnta" idirbheart íocaíochta arna thionscnamh ag íocóir nó íocaí sa chás go mbeidh SSI an íocóra agus SSI an íocaí lonnaithe sa Bhallstát céanna;
"national payment transaction" means a payment transaction initiated by a payer or by a payee, where the payer’s PSP and the payee’s PSP are located in the same Member State;
#514317
ní mór dóibh a áirithiú go n-úsáideann USIanna aitheantóir sainchuntais atá sonraithe i bpointe (1)(a) den Iarscríbhinn le haghaidh cuntas íocaíochta a aithint, cibé an bhfuil SSI an íocóra agus SSI an íocaí araon nó an t-aon SSI amháin san idirbheart íocaíochta atá suite sa Bhallstát céanna nó nach bhfuil;
they must ensure that PSUs use the payment account identifier specified in point (1)(a) of the Annex for the identification of payment accounts, whether the payer’s PSP and the payee’s PSP or the sole PSP in the payment transaction are located in the same Member State or in different Member States;
#514322
ní mór do SSI an íocóra na heilimintí sonraí atá sonraithe i bpointe (2)(b) den Iarscríbhinn a chur ar fáil do SSI an íocaí;
the payer’s PSP must provide the data elements specified in point (2)(b) of the Annex to the payee’s PSP;
#514325
ní mór do SSI an íocóra a áirithiú:
the payee’s PSP must ensure that:
#514328
ní mór do SSI an íocaí na heilimintí sonraí atá sonraithe i bpointe (3)(b) den Iarscríbhinn a chur ar fáil do SSI an íocóra;
the payee’s PSP must provide the payer’s PSP with the data elements specified in point (3)(b) of the Annex;
#514330
caithfidh sé a bheith de cheart ag an íocóir ordú dá SSI:
the payer must have the right to instruct its PSP:
#514336
Ar an gcéad idirbheart dochair dhírigh nó ar idirbheart dochair dhírigh aonuaire agus ar idirbheart dochair dhírigh ina dhiaidh sin, tarchuirfidh an t-íocaí an fhaisnéis atá bainteach le sainordú chuig a SSI nó tarchuirfidh SSI an íocóra an fhaisnéis atá bainteach le sainordú chuig SSI an íocóra le gach idirbheart dochair dhírigh.
Upon the first direct debit transaction or a one-off direct debit transaction and upon each subsequent direct debit transaction, the payee shall send the mandate-related information to his or her PSP and the payee’s PSP shall transmit that mandate-related information to the payer’s PSP with each direct debit transaction.
#514357
dírítear leis an socrú ar chostais a leithdháileadh go héifeachtúil chuig an SSI, nó chuig an USI, is cúis leis an R-idirbheart, de réir mar is iomchuí, agus é á chur san áireamh go bhfuil costais idirbhirt ann agus áirithítear nach muirearaítear an t-íocóir go huathoibríoch agus beidh an SSI faoi thoirmeasc USIanna a mhuirearú i leith táillí áirithe R-idirbhearta a sháraíonn an costas a bhíonn ar an SSI i gcomhair idirbhearta den sórt sin;
the arrangement aims at efficiently allocating costs to the PSP which, or the PSU of which, has caused the R-transaction, as appropriate, while taking into account the existence of transaction costs and ensures that the payer is not automatically charged and the PSP is prohibited from charging PSUs in respect of a given type of R-transaction fees that exceed the cost borne by the PSP for such transactions;
#514488
BIC SSI an íocóra (murar chomhaontaigh na SSIanna atá páirteach san idirbheart íocaíochta a mhalairt);
the BIC of the payer’s PSP (if not agreed otherwise by the PSPs involved in the payment transaction),
#514489
BIC SSI an íocaí (murar chomhaontaigh na SSIanna atá páirteach san idirbheart íocaíochta a mhalairt);
the BIC of the payee’s PSP (if not agreed otherwise by the PSPs involved in the payment transaction),
#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,
#1950099
Na Rialacháin um Íocaíochtaí Tacaíochta Sochraide (Cúnamh um Chostais Fhónta (Albain) 2019 (SSI 2019/292)).
Funeral Support Payment (Funeral Expense Assistance (Scotland) Regulations 2019 (SSI 2019/292)).
#1984465
Na Rialacháin um Íocaíochtaí Tacaíochta Sochraide (Cúnamh um Chostais Fhónta (Albain) 2019 (SSI 2019/292))
Funeral Support Payment (Funeral Expense Assistance (Scotland) Regulations 2019 (SSI 2019/292))
#1984466
Íocaíocht Leanaí na hAlban (Rialacháin Íocaíochta Leanaí na hAlban 2020 (SSI 2020/351))
Scottish Child Payment (The Scottish Child Payment Regulations 2020 (SSI 2020/351))
#2288672
SSI
ORY
#3245081
Díreach tar éis an t-idirbheart a díphacáil, ba cheart do SSI an íocóra an t-idirbheart aistrithe creidmheasa aonair sin a tharchur chuig SSI an íocaí.
Immediately upon unpacking, the payer’s PSP should transmit that individual instant credit transfer transaction to the payee’s PSP.
#3245143
Ba cheart go bhféadfaí pionóis a ghearradh ní hamháin ar SSInna, ach freisin ar dhaoine nádúrtha atá ina gcomhaltaí de bhainistíocht shinsearach SSI nó de chomhlacht bainistíochta SSI.
It should be possible to impose penalties not only on PSPs, but also on natural persons who are members of the senior management or management body of a PSP.
#3245206
D’ainneoin Airteagal 89 de Threoir (AE) 2015/2366, i gcás nach mbeidh teachtaireacht faighte ag SSI an íocóra ó SSI an íocaí lena ndeimhnítear gur cuireadh na cistí ar fáil ar chuntas íocaíochta an íocaí laistigh de 10 soicind ón tráth a bhfuarthas an t-ordú, cuirfidh SSI an íocóra cuntas íocaíochta an íocóra ar ais láithreach sa staid céanna ina mbeadh sé agus gan aon idirbheart a bheidh déanta.
Notwithstanding Article 89 of Directive (EU) 2015/2366, where the payer’s PSP has not received a message from the payee’s PSP confirming that the funds were made available on the payee’s payment account within 10 seconds of the time of receipt, the payer’s PSP shall immediately restore the payment account of the payer to the state in which it would have been had the transaction not taken place.
#3245220
Ní bheidh aon mhuirir a thoibheoidh SSI ar íocóirí agus íocaithe i leith aistrithe creidmheasa meandracha in euro a sheoladh nó a fháil níos airde ná na muirir a thoibheoidh SSI an SSI sin i leith aistrithe creidmheasa eile de chineál comhfhreagrach a sheoladh agus a fháil.
Any charges levied by a PSP on payers and payees in respect of sending and receiving instant credit transfers shall not be higher than the charges levied by that PSP in respect of sending and receiving other credit transfers of corresponding type.
#3245234
i gcás inar duine dlítheanach é nó í an t-íocaí agus ina dtairgfidh SSI an íocóra cainéal tionscanta íocaíochta lenar féidir leis an íocóir ordú íocaíochta a chur isteach trí aitheantóir cuntais íocaíochta, a shonraítear i bpointe (1)(a) den Iarscríbhinn a ghabhann leis an Rialachán seo, a sholáthar mar aon le heilimintí sonraí seachas ainm an íocaí lena sainaithnítear an t-íocaí gan débhrí, mar shampla uimhir fhioscach, aitheantóir uathúil Eorpach dá dtagraítear in Airteagal 16(1), an dara fomhír, de Threoir (AE) 2017/1132 ó Pharlaimint na hEorpa agus ón gComhairle nó LEI, agus i gcás ina mbeidh na heilimintí sonraí céanna sin ar fáil i gcóras inmheánach SSI an íocaí, fíoróidh an SSI sin, arna iarraidh sin do SSI an íocóra, an bhfuil an t-aitheantóir cuntais íocaíochta a shonraítear i bpointe (1)(a) den Iarscríbhinn a ghabhann leis an Rialachán seo agus an eilimint sonraí arna soláthar ag an íocóir ag meaitseáil lena chéile.
where the payee is a legal person and the payer’s PSP offers a payment initiation channel which allows the payer to place a payment order by providing the payment account identifier specified in point (1)(a) of the Annex to this Regulation together with data elements other than the name of the payee that unambiguously identify the payee, such as a fiscal number, a European unique identifier as referred to in Article 16(1), second subparagraph, of Directive (EU) 2017/1132 of the European Parliament and of the Council or an LEI, and where those same data elements are available in the internal system of the payee’s PSP, that PSP, upon the request of the payer’s PSP, shall verify whether the payment account identifier specified in point (1)(a) of the Annex to this Regulation and the data element provided by the payer match.
#3245237
Déanfaidh an SSI a chothabhálann an cuntas íocaíochta sin thar ceann iliomad íocaithe nó, i gcás inarb iomchuí, SSI a bhfuil an cuntas íocaíochta sin ina sheilbh aige, arna iarraidh sin do SSI an íocóra, a dheimhniú an bhfuil an t-íocaí atá léirithe ag an íocóir i measc an iliomad íocaithe a bhfuil an cuntas íocaíochta á chothabháil nó á shealbhú thar a gceann.
The PSP maintaining that payment account on behalf of multiple payees or, where appropriate, the PSP holding that payment account, shall, upon the request of the payer’s PSP, confirm whether the payee indicated by the payer is among the multiple payees on whose behalf the payment account is maintained or held.
#514285
ciallaíonn "sainordú" comhthoil nó údarú a thugann an t-íocóir don íocaí (go díreach nó go hindíreach tríd an íocaí) do SSI an íocóra chun a cheadú don íocaí bailiú a thionscnamh do dhochar ó chuntas íocaíochta sainithe an íocóra agus a cheadú do SSI an íocóra cloí le treoracha den sórt sin;
"mandate" means the expression of consent and authorisation given by the payer to the payee and (directly or indirectly via the payee) to the payer’s PSP to allow the payee to initiate a collection for debiting the payer’s specified payment account and to allow the payer’s PSP to comply with such instructions;
#514295
Beidh SSI de chuid íocaithe atá inrochtana d’aistriú creidmheasa náisiúnta faoi scéim íocaíochta, i gcomhréir le rialacha scéim íocaíochta uile-Aontais, d’aistrithe creidmheasa arna thionscnamh ag íocóir trí SSI lonnaithe in aon Bhallstát.
A payee’s PSP which is reachable for a national credit transfer under a payment scheme shall be reachable, in accordance with the rules of a Union-wide payment scheme, for credit transfers initiated by a payer through a PSP located in any Member State.
#514296
Beidh SSI de chuid íocóra atá inrochtana do dhochar díreach náisiúnta faoi scéim íocaíochta, i gcomhréir leis na rialacha de scéim íocaíochta uile-Aontais, do dhochair dhíreacha arna dtionscnamh ag íocóir trí SSI lonnaithe in aon Bhallstát.
A payer’s PSP which is reachable for a national direct debit under a payment scheme shall be reachable, in accordance with the rules of a Union-wide payment scheme, for direct debits initiated by a payee through a PSP located in any Member State.
#514327
go dtugann an t-íocaí cead do SSI an íocaí agus an íocóra (go díreach nó go hindíreach leis an íocaí), déanfaidh an t-íocaí nó tríú páirtí thar ceann an íocaí na sainorduithe, maraon le modhnuithe níos deireanaí nó cealú, a stóráil agus déanfaidh an SSI an t-íocaí a chur ar an eolas maidir leis an oibleagáid i gcomhréir le hAirteagal 41 agus le hAirteagal 42 de Threoir 2007/64/CE;
the payer gives consent both to the payee and to the payer’s PSP (directly or indirectly via the payee), the mandates, together with later modifications or cancellation, are stored by the payee or by a third party on behalf of the payee and the payee is informed of this obligation by the PSP in accordance with Articles 41 and 42 of Directive 2007/64/EC;
#514340
I gcás nach bhforálann an creatchomhaontú idir an t-íocóir agus SSI an íocóra don cheart maidir le haisíocaíocht, déanfaidh SSI an íocóra, gan dochar do mhír (3)(a)(ii), gach idirbheart dochair dhírigh a fhíorú chun a sheiceáil arb ionann méid an idirbhirt dochair dhírigh a tíolacadh agus an méid a comhaontaíodh sa sainordú sula gcuirfear chun dochair cuntas íocaíochta an íocóra, bunaithe ar fhaisnéis atá bainteach le sainordú.
Where the framework agreement between the payer and the payer’s PSP does not provide for the right to a refund, the payer’s PSP shall, without prejudice to paragraph (3)(a)(ii), verify each direct debit transaction to check whether the amount of the submitted direct debit transaction is equal to the amount and periodicity agreed in the mandate before debiting the payer’s payment account, based on the mandate-related information.
#514341
I ndiaidh an 1 Feabhra 2014, ní bheidh USIanna ag teastáil le haghaidh idirbheart íocaíochta náisiúnta agus i ndiaidh an 1 Feabhra 2016 le haghaidh SSIanna idirbhearta íocaíochta trasteorann chun BIC SSI íocóra nó SSI an íocaí a léiriú.
After 1 February 2014 for national payment transactions and after 1 February 2016 for cross-border payment transactions PSPs shall not require PSUs to indicate the BIC of the PSP of a payer or of the PSP of a payee.
#514342
Ní ghearrfaidh SSI an íocóra ná SSI an íocaí muirir bhreise ná táillí eile ar an bpróiseas léamh-amach chun sainordú a ghiniúint go huathoibríoch le haghaidh na n-idirbheart íocaíochta sin a tionscnaíodh trí nó trí mheán cárta íocaíochta ag an díolphointe, lena ndéantar dochar díreach.
The payer’s PSP and the payee’s PSP shall not levy additional charges or other fees on the read-out process to automatically generate a mandate for those payment transactions initiated through or by means of a payment card at the point of sale, which result in direct debit.
#3245079
I gcás ina gcuireann USI orduithe íocaíochta iolracha le haghaidh aistrithe creidmheasa meandracha faoi bhráid a SSI mar phacáiste, ba cheart don SSI sin tús a chur láithreach leis an bpacáiste sin a dhíphacáil chun idirbhearta aonair aistrithe creidmheasa meandracha a dhéanamh de.
Where a PSU submits multiple payment orders for instant credit transfers as a package to its PSP, that PSP should immediately start to unpack that package so as to turn it into individual instant credit transfer transactions.
#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.
#3245138
Ba cheart feidhm a bheith ag an oibleagáid sin maidir le gach SSI a sheolann nó a fhaigheann aistrithe creidmheasa meandracha in euro, lena n-áiritheofar go gcomhlíonfaidh gach SSI a n-oibleagáidí, ar bhealach éifeachtach, ar oibleagáidí iad a eascraíonn as bearta sriantacha airgeadais spriocdhírithe.
That obligation should apply to all PSPs sending or receiving instant credit transfers in euro, thereby ensuring that all PSPs comply in an effective manner with their obligations stemming from targeted financial restrictive measures.
#3245158
Faoi Rialachán (AE) 2021/1230 ó Pharlaimint na hEorpa agus ón gComhairle, beidh na muirir arna gcur i bhfeidhm ag SSI atá lonnaithe i mBallstát nach bhfuil an euro mar airgeadra aige i leith aistrithe creidmheasa trasteorann in euro mar an gcéanna le muirir arna gcur i bhfeidhm ag an SSI sin i leith aistrithe creidmheasa náisiúnta in airgeadra náisiúnta an Bhallstáit.
Under Regulation (EU) 2021/1230 of the European Parliament and of the Council, charges applied by a PSP located in a Member State whose currency is not the euro in respect of cross-border credit transfers in euro are to be the same as charges applied by that PSP in respect of national credit transfers in the national currency of that Member State.
#3245159
I gcásanna ina gcuireann SSI mar sin muirir níos airde i bhfeidhm ar aistrithe creidmheasa meandracha náisiúnta san airgeadra náisiúnta ná ar aistrithe creidmheasa neamh-mheandracha náisiúnta san airgeadra náisiúnta, agus dá bhrí sin muirir níos airde freisin ná mar atá ar aistrithe creidmheasa neamh-mheandracha trasteorann in euro, bheadh leibhéal na muirear a gceanglófaí ar SSI den sórt sin a chur i bhfeidhm faoi Rialachán (AE) 2021/1230 i leith aistrithe creidmheasa láithreacha trasteorann in euro níos airde ná na muirir ar aistrithe creidmheasa neamh-mheandracha trasteorann in euro.
In situations where such a PSP applies higher charges for national instant credit transfers in the national currency than for national non-instant credit transfers in the national currency, and therefore also higher charges than for cross-border non-instant credit transfers in euro, the level of charges that such a PSP would be required to apply under Regulation (EU) 2021/1230 in respect of cross-border instant credit transfers in euro would be higher than charges for cross-border non-instant credit transfers in euro.
#3245174
ciallaíonn ‘cainéal tionscanta íocaíochta’ aon mhodh, feiste nó nós imeachta trínar féidir le híocóirí orduithe íocaíochta a chur chuig a SSI le haghaidh aistriú creidmheasa, lena n-áirítear baincéireacht ar líne, feidhmchlár baincéireachta soghluaiste, meaisín áiritheora uathoibrithe, nó ar aon shlí eile, ar áitreabh SSI;
“payment initiation channel” means any method, device or procedure through which payers can place payment orders with their PSP for a credit transfer, including online banking, a mobile banking application, an automated teller machine, or in any other way on the premises of the PSP;
#3245188
De mhaolú ar mhír 1, agus faoi réir an cead a bheith faighte roimh ré óna údaráis inniúla bunaithe ar mheasúnú na n-údarás sin ar a rochtain ar leachtacht in euro, ní bheidh sé d’oibleagáid ar SSI atá lonnaithe i mBallstát nach bhfuil an euro mar airgeadra aige an tseirbhís íocaíochta chun aistrithe creidmheasa meandracha a sheoladh in euro a thairiscint do USInna thar theorainn in aghaidh an idirbhirt, ó chuntais íocaíochta a ainmnítear in airgeadra náisiúnta an Bhallstáit sin, le linn na tréimhse nach seolann ná nach bhfaigheann an SSI sin idirbhearta aistrithe creidmheasa neamh-mheandracha in euro i ndáil leis na cuntais íocaíochta sin.
By way of derogation from paragraph 1, and subject to having obtained the prior permission of its competent authorities based on those authorities’ assessment of its access to liquidity in euro, a PSP located in a Member State whose currency is not the euro shall not be obliged to offer PSUs the payment service of sending instant credit transfers in euro beyond a limit per transaction, from payment accounts denominated in the national currency of that Member State, during the time when that PSP neither sends nor receives non-instant credit transfer transactions in euro with respect to such payment accounts.
#3245191
Arna iarraidh sin do SSI, féadfaidh údaráis inniúla tréimhsí bliana breise a chur leis an gcead sin a tugadh roimh ré, tar éis do na húdaráis inniúla athmheasúnú a dhéanamh ar rochtain SSI ar leachtacht in euro.
At the request of the PSP, competent authorities may extend that prior permission by further periods of one year following a reassessment by the competent authorities of the PSP’s access to liquidity in euro.
#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;
#3245202
d’ainneoin Airteagal 83 de Threoir (AE) 2015/2366, díreach tar éis tráth faighte ordú íocaíochta le haghaidh aistriú creidmheasa meandrach, fíoróidh SSI an íocóra an bhfuil na coinníollacha uile is gá chun an t-idirbheart íocaíochta a phróiseáil á gcomhlíonadh agus an bhfuil na cistí riachtanacha ar fáil, déanfaidh siad an méid an idirbhirt íocaíochta a fhorchoimeád ar chuntas an íocóra nó é a chur de dhochar chuntas an íocóra agus an idirbheart íocaíochta a sheoladh láithreach chuig SSI an íocaí;
notwithstanding Article 83 of Directive (EU) 2015/2366, immediately after the time of receipt of a payment order for an instant credit transfer, the payer’s PSP shall verify whether all of the necessary conditions for processing the payment transaction are met and whether the necessary funds are available, reserve or debit the amount of the payment transaction from the account of the payer, and immediately send the payment transaction to the payee’s PSP;
#3245204
d’ainneoin Airteagal 87(1) de Threoir (AE) 2015/2366, áiritheoidh SSI an íocaí gurb ionann an dáta luacha creidmheasa do chuntas íocaíochta an íocaí agus an dáta ar a ndéanfaidh SSI an íocaí méid an idirbhirt íocaíochta a chreidiúnú do chuntas íocaíochta an íocaí; agus
notwithstanding Article 87(1) of Directive (EU) 2015/2366, the payee’s PSP shall ensure that the credit value date for the payee’s payment account is the same date as the date on which the payee’s payment account is credited by the payee’s PSP with the amount of the payment transaction; and
#3245205
díreach tar éis an deimhniú maidir le cur i gcrích dá dtagraítear i bpointe (c) a fháil, nó i gcás nach bhfaigheann SSI an íocóra deimhniú maidir le cur i gcrích den sórt sin laistigh de 10 soicind ón tráth a bhfaightear an t-ordú íocaíochta le haghaidh aistriú creidmheasa meandrach, cuirfidh SSI an íocóra an t-íocóir ar an eolas, saor in aisce, chomh maith leis an soláthraí seirbhíse tionscanta íocaíochta, i gcás inarb infheidhme, faoinar cuireadh méid an idirbhirt íocaíochta ar fáil ar chuntas íocaíochta an íocaí nó nár cuireadh.
immediately upon receiving the confirmation of completion referred to in point (c), or where no such confirmation of completion is received by the payer’s PSP within 10 seconds of the time of receipt of the payment order for an instant credit transfer, the payer’s PSP shall, free of charge, inform the payer, as well as, where applicable, the payment initiation service provider, whether the amount of the payment transaction has been made available on the payee’s payment account.
#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.
#3245231
Arna iarraidh sin do SSI an íocóra, fíoróidh SSI an íocaí an bhfuil an t-aitheantóir cuntais íocaíochta a shonraítear i bpointe (1)(a) den Iarscríbhinn agus ainm an íocaí arna sholáthar ag an íocóir ag meaitseáil lena chéile.
Upon the request of the payer’s PSP, the payee’s PSP shall verify whether the payment account identifier specified in point (1)(a) of the Annex and the name of the payee provided by the payer match.