Scope of application

These Guidelines apply in relation to the reporting by payment service providers to competent authorities of statistical data on fraud for payment transactions that have been initiated and executed (including acquired where applicable), including the acquiring of payment transactions for card payments, identified by reference to: (a) fraudulent payment transactions data over a defined period of time and (b) payment transactions over the same defined period.

Data reported under the credit transfers breakdown should include credit transfers performed via automated teller machines with a credit transfer function. Credit transfers used to settle outstanding balances of transactions using cards with a credit or delayed debit function should also be included.

Data reported under the direct debit breakdown should include direct debits used to settle outstanding balances of transactions using cards with a credit or delayed debit function.

Data reported under the card payments breakdowns should include data on all payment transactions by means of payment cards (electronic and non-electronic). Payments with cards with an e-money function only (e.g. prepaid cards) should not be included in card payments but be reported as e-money.

These Guidelines also set out how competent authorities should aggregate the data mentioned in paragraph 6 that shall be provided to the ECB and the EBA in accordance with Article 96(6) PSD2.

The Guidelines are subject to the principle of proportionality, which means that all payment service providers within the scope of the Guidelines are required to be compliant with each Guideline, but the precise requirements, including on frequency of reporting, may differ between payment service providers, depending on the payment instrument used, the type of services provided or the size of the payment service provider.

14