charge — a charge levied by a payment service provider on the payment service user and directly or indirectly linked to a payment transaction 9.

consumer — a natural person acting for purposes other than his or her trade, business or profession 11.

cross-border payment — an electronically processed payment transaction initiated by a payer or by or through a payee where the payer’s payment service provider and the payee’s payment service provider are located in different Member States 1.

direct debit — a payment service for debiting a payer’s payment account, where a payment transaction is initiated by the payee on the basis of the payer’s consent given to the payee, to the payee’s payment service provider or to the payer’s own payment service provider 14.

direct debit scheme — a common set of rules, practices and standards agreed between payment service providers for the execution of direct debit transactions 15.

funds — banknotes and coins, scriptural money and electronic money as defined in Article 1(3)(b) of Directive 2000/46/EC of the European Parliament and of the Council of 18 September 2000 on the taking up, pursuit of and prudential supervision of the business of electronic money institutions OJ L 275, 27.10.2000, p. 39. 10.

interchange fee — a fee paid between the payment service providers of the payer and of the payee for each direct debit transaction 13.

micro-enterprise — an enterprise, which, at the time of conclusion of the payment service contract, is an enterprise, as defined in Article 1 and Article 2(1) and (3) of the Annex to Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises OJ L 124, 20.5.2003, p. 36. 12.

national payment — an electronically processed payment transaction initiated by a payer, or by or through a payee, where the payer’s payment service provider and the payee’s payment service provider are located in the same Member State 2.

payee — a natural or legal person who is the intended recipient of funds which have been the subject of a payment transaction 4.

payer — a natural or legal person who holds a payment account and allows a payment order from that payment account, or, where there is no payment account, a natural or legal person who gives a payment order 3.

payment order — an instruction by a payer or payee to his payment service provider requesting the execution of a payment transaction 8.

payment service provider — any of the categories of legal person referred to in Article 1(1) of Directive 2007/64/EC and the natural or legal persons referred to in Article 26 of that Directive, but excludes those institutions listed in Article 2 of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions OJ L 177, 30.6.2006, p. 1. benefiting from a Member State waiver exercised under Article 2(3) of Directive 2007/64/EC 5.

payment service user — a natural or legal person making use of a payment service in the capacity of either payer or payee, or both 6.

payment transaction — an act, initiated by a payer or by or through a payee, of placing, transferring or withdrawing funds, irrespective of any underlying obligations between the payer and the payee 7.