Article 10 Out-of-court complaint and redress procedures

Member States shall provide for adequate and effective out-of-court complaint and redress procedures for the settlement of disputes concerning rights and obligations arising under this Regulation between payment service users and their payment service providers. For those purposes, Member States shall designate the responsible bodies.

Member States shall notify the Commission without delay of any change concerning the bodies of which it was notified in accordance with Article 11(2) of Regulation (EC) No 924/2009.

Member States may provide that this Article applies only to payment service users which are consumers or micro-enterprises. In that event, Member States shall inform the Commission accordingly.