Section 90

Where a payment order is executed in accordance with the unique identifier, the payment order is deemed to have been correctly executed by each payment service provider involved in executing the payment order with respect to the payee specified by the unique identifier. Where the unique identifier provided by the payment service user is incorrect, the payment service provider is not liable under regulation 91 or 92 for non-execution or defective execution of the payment transaction, but the payment service provider— must make reasonable efforts to recover the funds involved in the payment transaction; and may, if agreed in the framework contract, charge the payment service user for any such recovery. The payee's payment service provider must co-operate with the payer's payment service provider in its efforts to recover the funds, in particular by providing to the payer's payment service provider all relevant information for the collection of funds. If the payer's payment service provider is unable to recover the funds it must, on receipt of a written request, provide to the payer all available relevant information in order for the payer to claim repayment of the funds. Where the payment service user provides information additional to that specified in regulation 43(2)(a) (information required prior to the conclusion of a single payment service contract) or paragraph 2(b) of Schedule 4 (prior general information for framework contracts), the payment service provider is liable only for the execution of payment transactions in accordance with the unique identifier provided by the payment service user. Nothing in this regulation affects the liability of a payment service provider under a relevant requirement in a case where the payment order is executed subsequent to fraud or dishonesty (and the requirements imposed by this regulation are subject to any such relevant requirements). In this regulation, a “relevant requirement” means a requirement imposed by or under— a direction given under regulation 125, a direction given under section 54 of the Financial Services (Banking Reform) Act 2013, a rule made under section 55 of that Act, an order made under section 56(3) of that Act, or a variation of an agreement under section 57(2) of that Act.

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Source: legislation.gov.uk · retrieved 2026-09-04