The European Parliament approved on Thursday new rules to ensure that online payments are safer and innovative, the costs associated with reduced process and enable the users to have more choice.
Antonio Tajani, European Parliament rapporteur, said in a note to Strasbourg, it points out that at present, the payment services market in the European Union (EU) “remains fragmented and expensive, with a cost of 130 billion euros a year, a value greater than 1% of EU GDP, “a value that the European economy” can not stand “if you want to be competitive.
In this sense The directive approved on Thursday – had already been agreed in the headquarters of the EU Council of Ministers – “will reduce costs, improve security of payments and facilitate the emergence of new providers and payment methods in the Internet and mobile innovators. “
The European standard establishing new rules on access to bank account in case of electronic payments without the use of credit card, for charges incurred by service providers and about accountability of those who ordered unauthorized payments
Based on the directive, the proprietor of an online bank account can use the payment initiation services. – services between the trader and the account holder’s bank that allow you to perform electronic payments without a credit card -. third-party service providers to make payments or online
“These services offer a little solution costly to both traders and consumers and give consumers a possibility to make purchases online, even if they do not have payment card “, indicates the directive adopted in the European Parliament.
It was also determined that are provided to users with the “necessary information, sufficient and understandable” on the payment service contract and the payment transactions, as charges to pay, for example.
In case of unauthorized payment transactions due to theft, loss or misappropriation of a payment method, you should not pay more than 50 euros, against 150 today.
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