sec_8_1__para__2

It should be noted that ‘payment services’ as such fall in the category of ‘financial services’ that are excluded from the scope of the scope of the CRD in accordance with its Article 3(3)(d). As a result, payment service providers are not subject to the requirements of the Directive. The obligation under Article 19 is not addressed to payment services providers but to other traders that enter into contracts with consumers that are covered by the CRD. The provision prohibits those traders from charging consumers, in respect of the use of a given means of payment, fees that exceed the cost normally borne for the use of such means.

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Source: EUR-Lex (Cellar) · retrieved 2026-09-25 · Text as adopted (Official Journal); later amendments are not incorporated in this text.