2 Amendments of Andreas SCHWAB related to 2016/0152(COD)
Amendment 221 #
Proposal for a regulation
Recital 25
Recital 25
(25) Directive 2015/2366/EU of the European Parliament and of the Council28 introduced strict security requirements for the initiation and processing of electronic payments, which reduced the risk of fraud for all new and more traditional means of payment, especially online payments. Payment service providers are obliged to apply so-called strong customer authentication, an authentication process that validates the identity of the user of a payment service or of the payment transaction. For remote transactions, such as online payments, the security requirements go even further, requiring a dynamic link to the amount of the transaction and the account of the payee, to further protect the user by minimising the risks in case of mistakes or fraudulent attacks. As a result of these provisions, the risk of payment fraud in national and cross-border purchases is brought to an equal level and should not bTo minimise the risk of payment fraud or of consumers’ not being credit worthy, it should be possible to request payment in advance before the dispatch of the goods or provision of the used as an argument to refuse or discriminate any commercial transactions within the Unrvice. There may be justification for unequal treatment in cases where the trader has no other way of ensuring that the purchaser will meet his or her payment obligation. __________________ 28 Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (OJ L 337, 23.12.2015, p. 35– 127).
Amendment 404 #
Proposal for a regulation
Article 5 – paragraph 2 a (new)
Article 5 – paragraph 2 a (new)
2a. The prohibition set out in paragraph 1 shall not preclude traders' possibility to request advance payment before goods are dispatched or before the service is provided, where they have no other way of ensuring that the purchaser will meet his or her payment obligation.