BT-REQ-3972 PSD3 Impacts v6(without crop marks) RL - Flipbook - Page 26
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HL | PSD3 Impacts
14. Surcharging
(PSR Art 28)
Overview
Under PSD2, payees were permitted to charge
for instruments not covered by the IFR / state
specific prohibitions provided such charges
did not exceed the direct costs of the payee;
however, member states had discretion to extend
the prohibition on surcharging to cover such
instruments.
The EP Text is seeking to change this so that
a payee may not impose surcharges for any
instrument, but may offer a reduction or other
means for steering the customer towards a
particular payment instrument.
The Council Text has not followed the EP’s lead
in this regard and has reverted to the Original
Commission Draft.
What is the impact?
Should the Council Text be rejected in favour of the
EP Text, surcharging permitted on non-consumer
cards (for example) will be prohibited. Currently the
position varies from member state to member state
so uniformity in this regard should be welcomed
in certain quarters. However, this would impact
fees that are currently permitted to be charged for
corporate cards.
