2. 19 Article 47 of Directive 2013/36/EU, Article 15 of Directive 2014/49/EU), Article 1(1)(a) of Directive (EU) 2015/2366, and Article 8 of Directive 2009/110/EC . 3. Latest Available (revised):The latest available updated version of the legislation incorporating changes made by subsequent legislation and applied by our editorial team. Title III, except for point (b) of Article 45(1), point (2)(e) of Article 52, point (5)(g) of Article 52 and point (a) of Article 56, and Title IV, except for Article 62(2) and (4), Articles 76, 77, 81, 83(1), 89 and 92, apply to payment transactions in all currencies where only one of the payment service providers is located within the Union, in respect to those parts of the payments transaction which are carried out in the Union. 4 competent authority of the host Member State in accordance with these rules. Titles III and IV apply to payment transactions in the currency of a Member State where both the payer’s payment service provider and the payee’s payment service provider are, or the sole payment service provider in the payment transaction is, located within the Union. The web archive version is the official version of this legislation item as it stood on exit day before being published to legislation.gov.uk and any subsequent UK changes and effects applied. 38-60), Article 41 Burden of proof on information requirements, Article 42 Derogation from information requirements for low-value payment instruments and electronic money, Chapter 2 Single payment transactions (arts. the respective rights and obligations of payment service users and payment service providers in relation to the provision of payment services as a regular occupation or business activity. Article 5 — Applications for authorisation, Article 12 — Communication of the decision, Article 14 — Registration in the home Member State, Article 16 — Maintenance of authorisation, Article 17 — Accounting and statutory audit, Article 19 — Use of agents, branches or entities to which activities are outsourced, Article 22 — Designation of competent authorities, Article 25 — Right to apply to the courts, Article 27 — Settlement of disagreements between competent authorities of different Member States, Article 28 — Application to exercise the right of establishment and freedom to provide services, Article 29 — Supervision of payment institutions exercising the right of establishment and freedom to provide services, Article 30 — Measures in case of non-compliance, including precautionary measures, Article 33 — Account information service providers, Article 34 — Notification and information, Article 36 — Access to accounts maintained with a credit institution, Article 37 — Prohibition of persons other than payment service providers from providing payment services and duty of notification, Article 39 — Other provisions in Union law, Article 41 — Burden of proof on information requirements, Article 42 — Derogation from information requirements for low-value payment instruments and electronic money, Article 46 — Information for the payer and payee after the initiation of a payment order, Article 47 — Information for payer’s account servicing payment service provider in the event of a payment initiation service, Article 48 — Information for the payer after receipt of the payment order, Article 49 — Information for the payee after execution, Article 53 — Accessibility of information and conditions of the framework contract, Article 54 — Changes in conditions of the framework contract, Article 56 — Information before execution of individual payment transactions, Article 57 — Information for the payer on individual payment transactions, Article 58 — Information for the payee on individual payment transactions, Article 59 — Currency and currency conversion, Article 60 — Information on additional charges or reductions, Article 63 — Derogation for low value payment instruments and electronic money, Article 64 — Consent and withdrawal of consent, Article 65 — Confirmation on the availability of funds, Article 66 — Rules on access to payment account in the case of payment initiation services, Article 67 — Rules on access to and use of payment account information in the case of account information services, Article 68 — Limits of the use of the payment instrument and of the access to payment accounts by payment service providers, Article 69 — Obligations of the payment service user in relation to payment instruments and personalised security credentials, Article 70 — Obligations of the payment service provider in relation to payment instruments, Article 71 — Notification and rectification of unauthorised or incorrectly executed payment transactions, Article 72 — Evidence on authentication and execution of payment transactions, Article 73 — Payment service provider’s liability for unauthorised payment transactions, Article 74 — Payer’s liability for unauthorised payment transactions, Article 75 — Payment transactions where the transaction amount is not known in advance, Article 76 — Refunds for payment transactions initiated by or through a payee, Article 77 — Requests for refunds for payment transactions initiated by or through a payee, Article 80 — Irrevocability of a payment order, Article 81 — Amounts transferred and amounts received, Article 83 — Payment transactions to a payment account, Article 84 — Absence of payee’s payment account with the payment service provider, Article 85 — Cash placed on a payment account, Article 86 — National payment transactions, Article 87 — Value date and availability of funds, Article 88 — Incorrect unique identifiers, Article 89 — Payment service providers’ liability for non-execution, defective or late execution of payment transactions, Article 90 — Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions, Article 91 — Additional financial compensation, Article 93 — Abnormal and unforeseeable circumstances, Article 95 — Management of operational and security risks, Article 98 — Regulatory technical standards on authentication and communication, Article 106 — Obligation to inform consumers of their rights, Article 110 — Amendments to Directive 2002/65/EC, Article 111 — Amendments to Directive 2009/110/EC, Article 112 — Amendments to Regulation (EU) No 1093/2010, Article 113 — Amendment to Directive 2013/36/EU.