Activities of Sergio Gaetano COFFERATI related to 2012/2040(INI)
Plenary speeches (1)
Card, internet and mobile payments (short presentation)
Amendments (9)
Amendment 1 #
Draft opinion
Paragraph 1
Paragraph 1
1. Points out that while electronic payments are playing an increasingly important role in Europe and in the world, serious obstacles remain for a fully and effectively integrated, competitive, innovative, safe, transparent and consumer-friendly European single market with regard to these forms of payments;
Amendment 9 #
Draft opinion
Paragraph 3 a (new)
Paragraph 3 a (new)
3a. Affirms that the transparency of the electronic payments systems, correct information to consumers in any payment transaction and a direct and easy access to information are prerequisites for a well functioning European market for electronic payments;
Amendment 12 #
Draft opinion
Paragraph 3 b (new)
Paragraph 3 b (new)
3b. Believes that consumer refund rights should be strengthened, both in the case of unauthorised payments and in the case of undelivered (or non delivered as promised) goods or services, and that effective Collective Redress and Alternative Dispute Resolution systems are indispensable tools for the protection of consumers, also in the field of electronic payments;
Amendment 14 #
Draft opinion
Paragraph 5
Paragraph 5
5. Believes that standardisation at European level is needed, in the form of a regulatory framework that establishes security standards for each form of electronic payments, and that regulates all the actors involved in the provision of payment services as well as all intermediaries, including merchants (e.g. storage of credentials). In the definition of the standards, account should be taken of the systems that have brought significant shifts towards safer payments (e.g. CHIP&PIN system for cards, Two-factor authentication system, E-Signature and Online payments by pass through services for e-payments), of the systems more vulnerable to frauds (e.g. where consumers' sensitive personal data are transmitted to third parties, as in Online payments by overlay services, or magnetic strip system, for cards) and of the innovations that could make the processes safer;
Amendment 17 #
Draft opinion
Paragraph 5 a (new)
Paragraph 5 a (new)
5a. Takes the view that standardisation should not be limited to the definition of security standards but should include measures necessary to ensure a more open, transparent, innovative, competitive and unfragmented electronic payments market that brings advantages to all consumers (for example with regard to interoperability or, in m-payments, portability). Considers that, to reach this target, the tool of mandatory co-badging for payments cards, when required by the cardholder, should be taken into consideration (in that case the choice of priority between the PSPs available on the card should be up to the consumer) and that the remaining obstacles for cross- border acquiring should be eliminated;
Amendment 20 #
Draft opinion
Paragraph 5 b (new)
Paragraph 5 b (new)
5b. Considers that it should be possible for PSPs (even if non-banks) to have information on the funds availability of a client making a payment, in order to be sure that he is not in an overdraft situation, but that that information should be limited to a simple indication whether these funds are or are not available. Believes that charges for this operation should be harmonised;
Amendment 21 #
Draft opinion
Paragraph 6
Paragraph 6
6. Believes that domestic and cross-boarder multilateral interchange fees in the Single Euro Payments Area (SEPA) should be harmonised and progressively banned by a fixed deadline and that, in parallel, surcharges, rebates and other steering practices should be progressively banned as well, paving the way for a more transparent European single market of payments. Also the issue of three parties systems "implicit interchange fees" should be faced and these fees progressively banned. In this context considers changes to 'No Discrimination' or 'Honour All Cards' Rules counterproductive and to be avoided;
Amendment 28 #
Draft opinion
Paragraph 6 a (new)
Paragraph 6 a (new)
6a. Considers that enforcement of rules in electronic payments is often difficult, not adequate and different in Europe, and that stronger efforts should be made to ensure a proper and uniform enforcement of the rules;
Amendment 149 #
Motion for a resolution
Paragraph 23 a (new)
Paragraph 23 a (new)
23a. Believes that consumer refund rights should be strengthened, both in the case of unauthorised payments and in the case of undelivered (or non delivered as promised) goods or services, and that effective Collective Redress and Alternative Dispute Resolution systems are indispensable tools for the protection of consumers, also in the field of electronic payments;