(9)

‘transfer of funds’ means any transaction at least partially carried out by electronic means on behalf of a payer through a payment service provider, with a view to making funds available to a payee through a payment service provider, irrespective of whether the payer and the payee are the same person and irrespective of whether the payment service provider of the payer and that of the payee are one and the same, including: a credit transfer as defined in point (1) of Article 2 of Regulation (EU) No 260/2012; a direct debit as defined in point (2) of Article 2 of Regulation (EU) No 260/2012; a money remittance as defined in point (13) of Article 4 of Directive 2007/64/EC, whether national or cross border; a transfer carried out using a payment card, an electronic money instrument, or a mobile phone, or any other digital or IT prepaid or postpaid device with similar characteristics;

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Source: EUR-Lex (Cellar) · retrieved 2026-10-11 · Text as adopted (Official Journal); later amendments are not incorporated in this text.