93. Where the payer’s PSP becomes aware, when receiving the direct debit collections, that the …

Where the payer’s PSP becomes aware, when receiving the direct debit collections, that the information referred to in Articles 4, 5 and 6 of Regulation (EU) 2023/1113 is missing or incom-plete or has not been filled in using characters or inputs admissible in accordance with the conventions of the messaging or payment and settlement system as referred to in Article 7(1) of that Regulation, the options set out in Article 8(1), second subparagraph, of that Regulation should be applied by the payer’s PSP. The p ayer’s PSP should choose to ask for the required information on the payer and the payee before or after debiting the payer's account, in a risk-based approach. In particular, it should assess whether the payment should still be credited where information is missing or whether funds should be made available to the payee relying on information obtained from the payer and verified as part of the customer's due diligence process, in accordance with Section 4.4.

1. Overview

1.1 References

• Article 4 Information accompanying transfers of funds
• Article 5 Transfers of funds within the Union
• Article 6 Transfers of funds to outside the Union

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

3. Related Standards

• EBA -

  EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

  DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.