Guideline 5: Calculation of risk profile criterion

Value of requests for refunds received

5.1 When calculating the value of the indicator ‘requests for refunds received’, competent authorities should use the aggregated value of all requests for refunds made by the payment service users of the undertaking and by ASPSPs, in the previous 12 calendar months, for losses resulting from one or more of the liabilities referred to in Article 5(2) and (3) of PSD2.

5.2 If no requests for refunds have been made to the undertaking in the previous 12 months, competent authorities should set to 0 the value for this indicator in the formula. 5.3 For undertakings that have not offered services at any time in the previous 12 months, competent authorities should use the aggregated value of all requests for refunds forecasted by the undertaking for the purpose of its application for authorisation/registration.

5.4 If the undertaking does not provide any forecasts relating to requests for refunds, or if the amount resulting from the application of the forecasted total value of requests of refunds is lower than EUR 50 000, competent authorities should set to 50 000 the value for this indicator in the formula.

Number of initiated payment transactions by undertakings that provide PIS

5.5 Competent authorities should calculate the value of the indicator ‘number of initiated payment transactions’ as the sum of the following elements, where N represents the number of payment transactions initiated by the undertaking in the previous 12 months:

• (a) 40% of the slice of N up to and including 10 000 initiated payments;

plus

• (b) 25% of the slice of N above 10 000 initiated payments up to and including 100 000 initiated payments;

plus

• (c) 10% of the slice of N above 100 000 initiated payments up to and including 1 million initiated payments;

plus

• (d) 5% of the slice of N above 1 million initiated payments up to and including 10 million initiated payments;

plus

• (e) 0.025% of the slice of N above 10 million initiated payments.

5.6 For undertakings that have not offered services at any time in the previous 12 months, competent authorities should use the number of initiated payment transactions forecasted by the undertaking for the purpose its application for authorisation.

5.7 If the undertaking does not provide any forecasts relating to the number of initiated payment transactions, or if the amount resulting from the application of the forecasted number of initiated payment transactions is lower than 50 000, competent authorities should set to 50 000 the value for this indicator in the formula. Number of payment accounts accessed by undertakings that provide AIS

5.8 Competent authorities should calculate the value of the indicator ‘number of accessed payment accounts’ as the sum of the following elements, where N represents the number of different payment accounts accessed in the previous 12 months by an undertaking that provides AIS:

• (a) 40% of the slice of N up to and including 10 000 accessed accounts;

plus

• (b) 25% of the slice of N above 10 000 accessed accounts up to and including 100 000 accessed accounts;

plus

• (c) 10% of the slice of N above 100 000 accessed accounts up to and including 1 million accessed accounts;

plus

• (d) 5% of the slice of N above 1 million accessed accounts up to and including 10 million accessed accounts;

plus

• (e) 0.025% of the slice of N above 10 million accessed accounts.

5.9 For undertakings that have not offered services at any time in the previous 12 months, competent authorities should use the number of accessed payment accounts forecasted by the undertaking for the purpose of its application for registration or authorisation, where relevant.

5.10 If the undertaking does not provide any forecasts relating to the number of accessed payment accounts, or if the amount resulting from the application of the forecasted number of accessed accounts is lower than 50 000, competent authorities should set to 50 000 the value for this indicator in the formula.

1. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

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