LegalizeRegulation (EU) 2020/2011 of the European Central Bank of 1 December 2020 amending Regulation (EU) No 1409/2013 on payments statistics (ECB/2013/43) (ECB/2020/59)
| Term | Definition |
|---|---|
| Account information service (AIS) | ‘Account information service’ means ‘account information service’ as defined in Article 4(16) of Directive (EU) 2015/2366. |
| Account information service provider (AISP) | ‘Account information service provider’ means ‘account information service provider’ as defined in Article 4(19) of Directive (EU) 2015/2366. |
| Account servicing payment service provider (ASPSP) | ‘Account servicing payment service provider’ means ‘account servicing payment service provider’ as defined in Article 4(17) of Directive (EU) 2015/2366. |
| Acquirer | ‘Acquirer’ means ‘acquirer’ as defined in Article 2(1) of Regulation (EU) 2015/751 (1). |
| Acquiring of payment transactions | ‘Acquiring of payment transactions’ means ‘acquiring of payment transactions’ as defined in Article 4(44) of Directive (EU) 2015/2366. |
| Agent | ‘Agent’ means ‘agent’ as defined in Article 4(38) of Directive (EU) 2015/2366. |
| Automated teller machine (ATM ) | Electromechanical device that allows authorised users using a card-based payment instrument or other means, to withdraw cash from their accounts and/or access other services, allowing them, inter alia, to make balance enquiries, transfer funds or deposit money. |
| ATM cash deposit (except e-money transactions) | Cash deposit performed at an ATM using a card-based payment instrument or other means, including transactions whereby cash is deposited at a terminal, without manual intervention, and the payer is identified with a card-based payment instrument or other means. |
| ATM cash withdrawal (except e-money transactions) | Cash withdrawal performed at an ATM using a card-based payment instrument or other means. Cash advances at POS terminals as part of a payment transaction for the purchase of goods or services (‘cash-back’ transactions) are not included. |
| ATM transaction (except e-money transactions) | A payment transaction (2) performed at an ATM using a card-based payment instrument or other means. E-money payment transactions are not included. |
| ATM with a cash withdrawal function | ATM allowing authorised users to withdraw cash from their accounts by using a card-based payment instrument or other means. |
| ATM with a credit transfer function | ATM allowing authorised users to make credit transfers using a card-based payment instrument or other means. |
| Authentication | ‘Authentication’ means ‘authentication’ as defined in Article 4(29) of Directive (EU) 2015/2366. |
| Authenticated via non-strong customer authentication | ‘Authenticated via non-strong customer authentication’ refers to transactions which are exempted from strong customer authentication pursuant to Chapter III of Commission Delegated Regulation (EU) 2018/389 (3) as well as transactions for which the provisions in Article 97(1) of Directive (EU) 2015/2366 do not apply. Merchant initiated transactions as well as other transactions to which SCA is not applicable are included. |
| Branch | A place of business other than the head office located in the reporting country and established by a payment service provider (PSP) legally incorporated in another country. It has no legal personality and directly carries out some or all of the transactions inherent in the business of a PSP. All of the places of business set up in the reporting country by the same institution legally incorporated in another country constitute a single branch. Each of these places of business is counted as an individual office. |
| Card | A payment instrument based on a unique number that can be used to initiate a payment, cash withdrawal or cash deposit that is processed using a card scheme or within the network operated by the issuer of the card. The number can be stored on a physical card, on another device (including key tag, sticker, smartphone) or can be held virtually without a physical device. Cards offer the cardholder, in accordance with the agreement with the card issuer, one or more of the following functions: cash, debit, delayed debit, credit and e-money. |
| Card-based payment instrument | ‘Card-based payment instrument’ means ‘card-based payment instrument’ as defined in Article 2(20) of Regulation EU 2015/751 including delayed debit cards. |
| Card details theft | Theft of sensitive payment data as defined in Article 4(32) of Directive (EU) 2015/2366. The sensitive payment data in this case refer to data on a card-based payment instrument. |
| Card issuer | ‘Card issuer’ means ‘issuer’ as defined in Article 2(2) of Regulation (EU) 2015/751 (4). |
| Card not received | A card-based payment instrument that the payer claimed was not received, although the payer’s PSP (issuer) confirms it was sent to the payer (by any delivery method). |
| Card-based payment transaction initiated at a physical EFTPOS | Electronically initiated card-based payment transaction at a physical POS allowing electronic fund transfers. This item typically includes card-based payment transactions through an electronic funds transfer at point of sale (EFTPOS) terminal at a merchant’s location. It does not include e-money payment transactions. |
| Card-based payment transactions with card-based payment instruments issued by resident PSP initiated electronically | Card-based payment transactions which are initiated at an EFTPOS, ATM or other physical terminal that allows electronic payment initiation or remotely by electronic means of information transmission. Card-based payment transactions with card-based payment instruments issued by resident PSPs initiated in paper-based form (e.g. via card-based payment instrument imprinter or where the payment information is captured manually on paper vouchers) are not included. |
| Card-based payment transactions with card-based payment instruments issued by resident PSPs (except cards with an e-money function only) | Card-based payment transactions performed using debit, delayed debit or credit cards at a terminal or via other channels. All payment transactions initiated with a card-based payment instrument are included, i.e: (a) all transactions in which the acquirer and the issuer of the card-based payment instrument/transaction are different entities; and (b) all transactions in which the acquirer and the issuer of the card-based payment instrument/transaction are the same entity. Deductions from the PSP’s account resulting from the settlement of a card-based payment transaction in which the acquirer and the issuer of the card-based payment instrument/transaction are the same entity are included. Card-based payment transactions by telephone or over the internet using a card-based payment instrument are included. E-money payment transactions are not included. Cash withdrawals and deposits at ATMs are not included. These are reported as ‘ATM cash withdrawals’ or ‘ATM cash deposits’. Credit transfers at ATMs are not included. These are reported as ‘credit transfers’. Cash advances at POS terminals are not included. |
| Card-based payment transactions with card-based payment instruments issued by resident PSPs initiated non-electronically | Card-based payment transactions initiated at a physical terminal through a manual authorisation procedure (e.g. imprinters) (card present transactions) or payments initiated via mail order or telephone order (MOTO) (card not present transactions). |
| Card-based payment transactions with card-based payment instruments issued by resident PSPs initiated electronically via remote payment channel | Electronically initiated card-based payment transactions which are a type of remote payment transactions as defined in Article 4(6) of Directive (EU) 2015/2366. |
| Card-based payment transactions with card-based payment instruments issued by resident PSPs initiated non-electronically via remote payment channel | Non-electronically initiated card-based payment transactions which are a type of remote payment transactions as defined in Article 4(6) of Directive (EU) 2015/2366. |
| Card with a cash function | A card enabling the holder to withdraw cash from an ATM and/or to deposit cash to an ATM. |
| Card with a combined debit, cash and e-money function | A card issued by a PSP, which has a combined cash, debit and e-money function. |
| Card with a contactless payment function | A card that allows a card payment transaction to be initiated with a particular type of contactless technology and where both the payer and the payee of the payment transaction (and/or their equipment) are in the same physical location. |
| Card with a payment function (except cards with an e-money function only) | A card which has at least one of the following functions: a debit function, delayed debit function or credit function. The card may also have other functions, such as an e-money function, but cards with only an e-money function are not counted in this category. Cards with only a cash withdrawals/deposits function are not included. |
| Card with an e-money function | A card on which e-money can be stored directly and/or gives access to e-money stored on e-money accounts, enabling e-money payment transactions. |
| Card-based payment transaction | ‘Card-based payment transaction’ means ‘card-based payment transaction’ as defined in Article 2(7) of Regulation EU 2015/751 including delayed debit cards. |
| Card on which e-money can be stored directly | E-money held on a card in the e-money holder’s possession. Refer also to the definition of ‘electronic money’. |
| Cards which give access to e-money stored on e-money accounts | Refer to definition of ‘e-money accounts’. |
| Card with an e-money function which has been loaded at least once | A card with an e-money function which has been loaded at least once and can thus be considered activated. Loading may be interpreted as indicative of the intention to use the e-money function. |
| Cash | Banknotes and coins in circulation that are held outside the MFI sector or in the vaults of monetary financial institutions (MFIs). |
| Cash advance at point of sale (POS) terminals | Transactions in which the cardholder using a card or other means receives cash at a POS terminal in combination with a payment transaction for goods or services (commonly referred to as ‘cash-back’). |
| Cash withdrawal using card-based payment instruments (except e-money transactions) | Cash withdrawal at an ATM or at the counter of a PSP using a card with a cash function. E-money payment transactions are not included while cash advances at POS are included. |
| Central bank | Central bank means ‘central bank’ (subsector S.121) as defined in paragraphs 2.72 to 2.74 of Annex A to Regulation (EU) No 549/2013. |
| Cheque | A written and signed order from one party, i.e. the drawer, to another, i.e. the drawee, which is in principle a credit institution, requiring the drawee to pay a specified sum unconditionally and on demand to the drawer or to a third party specified by the drawer. |
| Clearing and settlement organisation | Any clearing and settlement organisation which is a direct participant in a payment system. |
| Concentration ratio | ‘Concentration ratio’ means the market share of the five largest senders of payment transactions in each system (this may include the central bank). The five largest senders of transactions in terms of volume may differ from the five largest senders in terms of value. Each participant which has individual access to the system is counted separately, irrespective of whether an affiliation between two or more participants exists. |
| Consent given via an electronic mandate | A consent given by the payer via a mandate as defined in Article 2(21) of Regulation (EU) No 260/2012 which is in electronic form. |
| Contactless low value | Contactless payments to which Article 11 of the Commission Delegated Regulation (EU) 2018/389 applies. |
| Contactless payment | A payment transaction using a card or other means where the payer and the merchant (and/or their equipment) are at the same physical location and where the communication between the portable device and the point of sale (POS) takes place through contactless technology. |
| Counterfeit card | The use of an altered or illegally reproduced card-based payment instrument, including the replication or alteration of the magnetic strip or embossing. |
| Counterfeit e-money card | The use of an altered or illegally reproduced e-money card, including the replication or alteration of the magnetic strip or embossing. |
| Credit card | ‘Credit card’ has the same meaning as ‘credit card’ as defined in Article 2(34) of Regulation (EU) 2015/751. For the purposes of this Regulation, delayed debit cards are excluded. |
| Credit institution | ‘Credit institution’ means ‘credit institution’ as defined in Article 4(1)(1) of Regulation (EU) No 575/2013 (5). |
| Credit transfer | ‘Credit transfer’ means ‘credit transfer’ as defined in Article 4(24) of Directive (EU) 2015/2366. |
| Credit transfers initiated electronically | Any credit transfer which the payer submits in non-paper-based form, i.e. electronically. |
| Credit transfer initiated in a file/batch | An electronically initiated credit transfer that is part of a group of credit transfers jointly initiated by the payer via a dedicated line. Each credit transfer contained in a batch is counted as a separate credit transfer when reporting the number of transactions. |
| Credit transfer initiated in paper-based form | A credit transfer initiated by the payer in paper-based form or by instructing staff at a branch over the counter (OTC) to initiate a credit transfer and any other credit transfer, which requires manual processing. |
| Credit transfer initiated on a single payment basis | An electronically initiated credit transfer that is independent from other credit transfers, i.e. that is not part of a group of credit transfers jointly initiated. |
| Credit transfer payment scheme | Refer to the definition of ‘payment scheme’. International payment schemes include SEPA Credit Transfer scheme and SEPA Instant Credit Transfer scheme. |
| Credits to the accounts by simple book entry | Credit transaction initiated by a PSP (including electronic money issuer) without a specific transaction order and executed by simple book entry (simple book entry means a credit entry, to the account of a customer, without the use of a traditional payment instrument). The following transactions are reported for this item: (a) interest payment by the bank; (b) dividend payment by the bank; (c) disbursal of the amount of a loan to the current account of the customer; and (d) other credits to the account by simple book entry. These data are excluded from credit transfers. |
| Cross-border payment transaction | A payment transaction initiated by a payer or by a payee, where the payer’s PSP and the payee’s PSP are located in different countries. For card-based payment transactions, ‘cross-border payment transaction’ means ‘cross-border payment transaction’ as defined in Article 2(8) of Regulation (EU) 2015/751. (6) Specifically, in the case of payment systems: a payment transaction between participants located in different countries. |
| Debit card | ‘Debit card’ means ‘debit card’ as defined in Article 2(33) of Regulation (EU) 2015/751. |
| Debits from the account by simple book entry | Debit transaction initiated by a PSP (including electronic money issuer) without a specific transaction order and executed by simple book entry (debit entry) to the account of a customer, i.e. without the use of a traditional payment instrument. The following transactions are reported for this item: (a) charge of interest by the bank; (b) deduction of banking fees; (c) payment of taxes linked to financial assets, if they are a separate transaction but not separately authorised by the customer; (d) repayments of the amount of a loan; and (e) other debits to the account by simple book entry. These data are excluded from direct debits. |
| Delayed debit card | A card enabling cardholders to have their purchases charged to an account with the card issuer up to an authorised limit. The balance in this account is then settled in full at the end of a pre-defined period. The holder is usually charged an annual fee. The distinguishing feature of a card with a delayed debit function, in contrast to a card with a credit function or a debit function, is the contractual agreement granting a credit line but including an obligation to settle the debt incurred at the end of a pre-defined period without charging interest rates. This type of card is commonly referred to as a ‘charge card’. |
| Direct debit | ‘Direct debit’ means ‘direct debit’ as defined in Article 4(23) of Directive (EU) 2015/2366. |
| Direct debit initiated in a file/batch | An electronically initiated direct debit that is part of a group of direct debits jointly initiated by the payee. Each direct debit contained in a batch is counted as a separate direct debit when reporting the number of transactions. |
| Direct debit initiated on a single payment basis | An electronically initiated direct debit that is independent from other direct debits, i.e. that is not part of a group of direct debits jointly initiated. |
| Direct debit payment scheme | Refer to definition of ‘payment scheme’. International direct debit schemes include SEPA Direct Debit Core scheme and SEPA Direct Debit Business to Business scheme. |
| Direct participant | An entity which is identified or recognised by a payment system and is authorised to send and receive payment orders directly to and from the system without an intermediary or is directly bound by the rules governing the payment system. In some systems, direct participants also exchange orders on behalf of indirect participants. Every participant with individual access to the system is counted separately. |
| Domestic payment transaction | ‘Domestic payment transaction’ means ‘national payment transaction’ as defined in Article 2(27) of Regulation (EU) No 260/2012. For card-based payment transactions, ‘domestic payment transaction’ means ‘domestic payment transaction’ as defined in Article 2(9) of Regulation (EU) 2015/751. |
| E-commerce | The sale or purchase of goods or services, whether between businesses, households, individuals or private organizations, through electronic transactions conducted via the internet or other computer-mediated (online communication) networks. The term covers the ordering of goods and services which are sent over computer networks, but the payment and the ultimate delivery of the goods or service may be conducted either on- or off-line. |
| EFTPOS terminal | An EFTPOS terminal captures payment information by electronic means and is designed, in some cases, to transmit such information either online, with a real-time request for authorisation, or offline. EFTPOS terminals include unattended terminals. |
| Electronic money (e-money) | ‘Electronic money’ means ‘electronic money’ as defined in Article 2(2) of Directive 2009/110/EC. |
| Electronic money institution | ‘Electronic money institution’ means ‘electronic money institution’ as defined in Article 2(1) of Directive 2009/110/EC. |
| Electronic money issuer | ‘Electronic money issuer’ means ‘electronic money issuer’ as defined in Article 2(3) of Directive 2009/110/EC. |
| E-money account | An account in which e-money (7) is stored and in which the balance can be used by the account holder to make payments and to transfer funds between accounts. |
| E-money account accessed through a card | Refer to definitions for ‘e-money account’ and ‘card with an e-money function’. |
| E-money card not received | An e-money card that the payer claimed was not received, although the payer’s PSP (issuer) confirms it was sent to the payer (by any delivery method). |
| E-money card terminal | Terminal allowing the transfer of electronic value from an electronic money issuer to the holder of a card with an e-money function and vice versa (i.e. loading and unloading) or terminal allowing holders of e-money on a card with an e-money function to transfer e-money value from their balance to the balance of the merchant or other beneficiary. |
| E-money card accepting terminal | Terminal allowing holders of e-money on a card with an e-money function to transfer e-money value from their balance to the balance of the merchant or other beneficiary. |
| E-money card-loading and unloading terminal | Terminal allowing the transfer of e-money value from an electronic money issuer to the holder of a card with an e-money function and vice versa, i.e. loading and unloading. |
| E-money card-loading and unloading | Transactions allowing the transfer of e-money value from an electronic money issuer to the holder of a card with an e-money function and vice versa. Both loading and unloading transactions are included. |
| E-money payment transaction | ‘E-money payment transaction’ means a payment transaction using electronic money. See the definition of ‘electronic money’. |
| E-money payment with cards on which e-money can be stored directly | A transaction whereby the holder of a card with an e-money function transfers e-money value from its balance stored on the card to the balance of the beneficiary. |
| E-money payment with e-money accounts | A transaction whereby funds are transferred from the e-money account of a payer, to the account of a payee. See the definition of ‘e-money accounts’. |
| E-money payment with e-money accounts of which: accessed through a card | A transaction whereby a card is used to access an e-money account and subsequently funds are transferred from the e-money account of the payer, to the account of a payee. See the definition of ‘e-money accounts’. |
| Fraudulent payment transaction | ‘Fraudulent payment transaction’ includes all instances of payment fraud referred to in Guideline 1.1 of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA/GL/2018/05). |
| Funds | ‘Funds’ means ‘funds’ as defined in Article 4(25) of Directive (EU) 2015/2366. |
| Indirect participant | A participant, in a payment system with a tiering arrangement, that uses a direct participant as an intermediary to perform some of the activities, in particular, settlement allowed in the system. All transactions by an indirect participant are settled on the account of a direct participant that has agreed to represent the indirect participant in question. Every participant that can be addressed individually in the system is counted separately, whether or not a legal link exists between two or more such participants. |
| Initiation of a payment transaction | The submission of a payment order (8) by a payment service user. |
| Instant payment | Instant payments are electronic retail payments that are processed in real time, 24 hours a day, 365 days a year, where the funds are made available immediately for use by the recipient. |
| Institutions offering payment services to non-MFIs | Comprises all PSPs as defined in this annex and which offer payment services to non-MFIs. |
| Interchange fee | ‘Interchange fee’ means ‘interchange fee’ as defined in Article 2(10) of Regulation (EU) 2015/751. |
| Issuance of a payment order by the fraudster | ‘Issuance of a payment order by the fraudster’ means ‘issuance of a payment order by the fraudster’ as defined in Guideline 1.6. d. of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA/GL/2018/05). |
| Large-value payment system (LVPS) | ‘Large-value payment system’ means ‘large-value payment system’ as defined in Article 2(18) of Regulation (EU) No 260/2012 of the European Parliament and of the Council. |
| Losses due to fraud per liability bearer | ‘Losses due to fraud per liability bearer’ means ‘losses due to fraud per liability bearer’ as defined in Guideline 1.6. b. of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA/GL/2018/05). |
| Lost or stolen card | A fraud type that occurs with the use of a lost or stolen card-based payment instrument (debit, delayed debit or credit card) without the actual, implied, or apparent authority of the cardholder. |
| Lost or stolen e-money card | A fraud type that occurs with the use of a lost or stolen e-money card without the actual, implied, or apparent authority of the cardholder. |
| Low value | Payment transactions for which the exception in Article 16 of the Commission Delegated Regulation (EU) 2018/389 applies. |
| Manipulation of the payer | ‘Manipulation of the payer’ means ‘manipulation of the payer’ as defined in Guideline 1.1. b. of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) of Directive (EU) 2015/2366 (EBA/GL/2018/05). |
| Merchant | An entity that is authorised to receive funds in exchange for the delivery of goods and/or services and has established an agreement with a PSP, for accepting these funds. |
| Merchant category code (MCC) | A four-digit number (listed in ISO 18245) for retail financial services. MCC is used to classify the business by the type of goods or services it provides. |
| Merchant initiated transaction (MIT) | ‘Merchant initiated transaction’ means ‘Merchant initiated transaction’ as defined in Annex II, Part C, footnote 4 of the EBA Guidelines amending the EBA Guidelines on reporting requirements for fraud data under Article 96(6) of Directive (EU) 2015/2366 (EBA/GL/2020/01). |
| Mobile payment solution | A solution used to initiate payments for which the payments data and the payment instructions are transmitted and/or confirmed via mobile communication and data transmission technology through a mobile device. This category includes digital wallets and other mobile payment solutions used to initiate P2P (person-to-person) and/or C2B (consumer-to-business) transactions, i.e. credit transfers, card payments and/or e-money transactions. |
| Modification of a payment order by the fraudster | ‘Modification of a payment order by the fraudster’ means ‘modification of a payment order by the fraudster’ as defined in Guideline 1.6 c of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA/GL/2018/05). |
| Monetary financial institutions (MFIs) | Monetary financial institution (MFI) means ‘Monetary financial institution’ as defined in paragraph 2.67 of Annex A to Regulation (EU) No 549/2013. |
| Money remittance | ‘Money remittance’ means ‘money remittance’ as defined in Article 4(22) of Directive (EU) 2015/2366. |
| Near Field Communication (NFC) payment | A contactless payment transaction using NFC technology (ISO/IEC 18092). |
| Non-MFI | Any natural or legal person that does not belong to the MFI sector. For the purpose of payments statistics, all PSPs are excluded from the ‘non-MFIs’ sector. |
| Number of accounts accessed by AISPs | The number of different accounts accessed by the AISP in the reporting period. |
| Number of clients | The number of payment service users to which the AISP offers its services. |
| Number of overnight deposits | Number of accounts holding overnight deposits as defined in ‘Instrument categories’ in point 9.1 of the table ‘Instrument categories’ of Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33). |
| Number of overnight deposits of which: number of internet/PC linked overnight deposits | Number of overnight deposit accounts held by non-MFIs which the account holder can access and use electronically via the internet or with PC banking applications via dedicated software and dedicated telecommunication lines. |
| Number of transferable overnight deposits | Number of accounts holding transferable overnight deposits as defined in ‘Instrument categories’ in point 9.1a of Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33). |
| Number of transferable overnight deposits of which: number of internet/PC linked overnight transferable deposits | Number of accounts holding transferable overnight deposits as defined in ‘instrument categories’ in point 9.1a of Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33) held by non-MFIs which the account holder can access and use electronically via the internet or with PC banking applications via dedicated software and dedicated telecommunication lines. |
| Online banking based credit transfers | Credit transfer initiated through online banking and payment initiation services. |
| Over the counter (OTC) cash deposits | A cash deposit to an account at the PSP using a form, including where a card is used merely to identify the payer. |
| Over the counter (OTC) cash withdrawals | A cash withdrawal from an account at the PSP using a form, including where a card is used merely to identify the payee. |
| Other direct participants | Any direct participant in a payment system, excluding credit institutions and central banks. |
| Other e-money issuer | E-money issuers other than ‘e-money institutions’ and ‘credit institutions’. Refer to the definition of ‘electronic money issuer’. |
| Other financial institutions | All financial institutions participating in a payment system that are under the supervision of the relevant authorities, i.e. either the central bank or the prudential supervisor, but not falling within the definition of credit institutions. |
| Other PSPs and e-money issuers | Other PSPs and e-money issuers means ‘Payment service providers’ as defined in this Annex excluding credit institutions as defined in this Annex, e-money institutions as defined in this Annex, payment institutions as defined in this Annex and central banks as defined in this Annex. |
| Other payment services | Any payment service within the scope of Directive (EU) 2015/2366 but which cannot be included in any of the other categories of payment service in Annex III. |
| Other services not included in Directive (EU) 2015/2366 | Any service outside the scope of Directive (EU) 2015/2366 and which cannot be included in any of the other categories of payment service in Annex III. |
| Outstanding value on e-money storages issued by electronic money issuers | Value, at the end of the reporting period, of e-money issued by electronic money issuers and held by entities other than the issuer, including electronic money issuers other than the issuer. |
| P2P mobile payment solution | A solution where payments are initiated, confirmed and/or received by an individual to another individual (P2P), via a mobile device. The payment instruction and other payment data are transmitted and/or confirmed with a mobile device. A distinctive mobile payment identifier, such as mobile telephone number or e-mail address, can be used as a proxy to identify the payer and/or payee. P2P mobile payment solutions can be used to initiate credit transfers, card payments and/or e-money transactions. |
| Payee | ‘Payee’ means ‘payee’ as defined in Article 4(9) of Directive (EU) 2015/2366. |
| Payer | ‘Payer’ means ‘payer’ as defined in Article 4(8) of Directive (EU) 2015/2366. |
| Payment account | ‘Payment account’ means ‘payment account’ as defined in Article 4(12) of Directive (EU) 2015/2366. |
| Payment card scheme (PCS) | ‘Payment card scheme’ means ‘payment card scheme’ as defined in Article 2(16) of Regulation (EU) 2015/751. |
| Payment initiation service | ‘Payment initiation service’ means ‘payment initiation service’ as defined in Article 4(15) of Directive (EU) 2015/2366. |
| Payment initiation service provider (PISP) | ‘Payment initiation service provider (PISP)’ means ‘payment initiation service provider’ as defined in Article 4(18) of Directive (EU) 2015/2366. |
| Payment institution | ‘Payment institution’ means ‘payment institution’ as defined in Article 4(4) of Directive (EU) 2015/2366. |
| Payment instrument | ‘Payment instrument’ means ‘payment instrument’ in Article 4(14) of Directive (EU) 2015/2366. |
| Payment order | ‘Payment order’ means ‘payment order’ as defined in Article 4(13) of Directive (EU) 2015/2366. |
| Payment scheme | 'Payment scheme' means a set of formal, standardised and common rules enabling the transfer of value between end-users by means of electronic payment instruments. It is managed by a governance body. |
| Payment service provider (PSP) | ‘Payment service provider’ means ‘payment service provider’ as defined in Article 4(11) of Directive (EU) 2015/2366. |
| Payment service user (PSU) | ‘Payment service user’ means ‘payment service user’ as defined in Article 4(10) of Directive (EU) 2015/2366. |
| Payment service | ‘payment service’ means any of the business activities listed in Annex I to Directive (EU) 2015/2366 or any of the services listed in Article 4(3)(a) of this Regulation. |
| Payment system | ‘Payment system’ means ‘payment system’ as defined in Article 4(7) of Directive (EU) 2015/2366. |
| Payment system operator (PSO) | ‘PSO’ means a legal entity that is legally responsible for operating a payment system. |
| Payment to self | Payment transactions for which the exception in Article 15 of the Commission Delegated Regulation (EU) 2018/389 applies. |
| Point of sale | ‘Point of sale’ means ‘point of sale’ as defined in Article 2(29) of Regulation (EU) 2015/751. |
| Point of sale (POS) terminal | A physical device used at a retail location to capture payment information typically electronically, for consumer-to-business transactions (purchases).The payment information is captured either manually on paper vouchers or by electronic means, i.e. EFTPOS. |
| POS terminal accepting e-money transactions | A POS terminal that additionally can accept e-money payments. E-money card terminals only accepting e-money payments are not included (9). |
| POS transactions (except e-money transactions) | Transactions performed through a POS terminal using a card or other means containing the appropriate payment application. Transactions using a card with an e-money function and cash advances at POS are not included. |
| General government | General government means ‘General government’ (sector S.13) as defined in paragraphs 2.111 to 2.117 of Annex A to Regulation (EU) No 549/2013. |
| Recurring transaction | Payment transactions for which the exception in Article 14 of the Commission Delegated Regulation (EU) 2018/389 applies. |
| Remote payment transaction | ‘Remote payment transaction’ means ‘remote payment transaction’ as defined in Article 4(6) of Directive (EU) 2015/2366. |
| Retail payment system (RPS) | ‘Retail payment system’ means ‘retail payment system’ as defined in Article 2(22) of Regulation (EU) No 260/2012 of the European Parliament and of the Council. |
| Secure corporate payment processes and protocols | Payment transactions for which the exception in Article 17 of the Commission Delegated Regulation (EU) 2018/389 applies. |
| Single Euro Payments Area (SEPA) | SEPA is a European Union (EU) payments integration initiative aimed at harmonising electronic euro payments in Europe. It relates to a common set of specified technical and business requirements for payment transactions in euro as set out in the Regulation (EU) 260/2012. |
| Strong customer authentication (SCA) | ‘Strong customer authentication (SCA)’ means ‘strong customer authentication’ as defined in Article 4(30) of Directive (EU) 2015/2366. |
| Tiering arrangement | An arrangement whereby indirect participants in a system require the services of direct participants in order to carry out their transactions. |
| Total number of cards (irrespective of the number of functions on the card) | Total number of cards in circulation. These may have one or more of the following functions: cash, debit, credit, delayed debit or e-money. |
| Total payment transactions involving non-MFIs | Total number of transactions using payment instruments involving non-MFIs. Total value of transactions using payment instruments involving non-MFIs. |
| Total transactions sent | Total number of transactions submitted to and processed in a given payment system. Total value of transactions submitted to and processed in a given payment system. |
| Transaction Risk Analysis (TRA) | Payment transactions for which the exception in Article 18 of the Commission Delegated Regulation (EU) 2018/389 applies. |
| Transactions at terminals at which transactions are acquired by resident PSPs with cards issued by resident PSPs | Payment transactions carried out at all terminals at which transactions are acquired by resident PSPs (i.e. whether terminals are located in, or outside, the country of location of the PSP) and where the cards used in the transactions are issued by resident PSPs. Geographical breakdowns (as specified in Annex III) refer to the country of location of the terminals. |
| Transactions at terminals at which transactions are acquired by resident PSPs with cards issued by non-resident PSPs | Payment transactions carried out at all terminals at which transactions are acquired by resident PSPs (i.e. whether terminals are located in, or outside, the country of location of the PSP) and where the cards used in the transactions are issued by non-resident PSPs. Geographical breakdowns (as specified in Annex III) refer to the country of location of the terminals. |
| Transactions at terminals at which transactions are acquired by non-resident PSPs with cards issued by resident PSPs | Payment transactions carried out at all terminals at which transactions are acquired by non-resident PSPs (i.e. whether terminals are located in, or outside, the country of location of the PSP), where the cards used in the transactions are issued by resident PSPs. Geographical breakdowns (as specified in Annex III) refer to the country of location of the terminals. |
| Transaction received | A transaction involving non-MFIs received from PSPs. Information is provided in the reporting country by the resident PSP. For different payment services, the following applies: (a) credit transfers are counted on the payee’s side; (b) direct debits are counted on the payer’s side; (c) cheques are counted on the payer’s side; (d) card transactions are counted on the payee’s, i.e. acquiring side; (e) e-money payment transactions are counted on either the payer’s or the payee’s side, depending on the initiation channel. If counted on the payer’s (payee’s) side under transactions received, the transaction should be counted on the payee’s (payer’s) side under transactions sent. |
| Transaction sent | A transaction involving non-MFIs sent to PSPs. Information is provided in the reporting country by the resident PSP. For different payment services, the following applies: (a) credit transfers are counted on the payer’s side; (b) direct debits are counted on the payee’s side; (c) cheques are counted on the payee’s side; (d) card transactions are counted on the payer’s, i.e. the issuing, side. (e) e-money payment transactions are counted on either the payer’s or the payee’s side, depending on the initiation channel. If counted on the payer’s (payee’s) side under transactions sent, the transaction should be counted on the payee’s (payer’s) side under transactions received. Concerning payment systems, this is a transaction sent by a participant for processing by the payment system. |
| Transferable deposits | ‘Transferable deposits’ means ‘transferable deposits’ as defined in ‘Instrument categories’ point 9.1a of Part 2 Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33). |
| Trusted beneficiaries | Payment transactions for which the exception in Article 13 of the Commission Delegated Regulation (EU) 2018/389 applies. |
| Unattended terminals for transport fares or parking fees | Payment transactions for which the exception in Article 12 of the Commission Delegated Regulation (EU) 2018/389 applies. |
| Unauthorised payment transaction | ‘Unauthorised payment transaction’ means ‘unauthorised payment transaction’ as defined in Guideline 1.1.a of the EBA Guidelines on reporting requirements for fraud data under Article 96(6) PSD2 (EBA-GL-2018-05). |
| Unauthorised e-money account transaction | ‘Unauthorised e-money account transaction’ means an ‘unauthorised payment transaction’ as defined above in respect to the use of an e-money account. |
| (1) Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (OJ L 123, 19.5.2015, p. 1). (2) See definition of ‘payment transaction’ in the Regulation. (3) Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication (OJ L 69, 13.3.2018, p. 23). (4) Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (OJ L 123, 19.5.2015, p. 1). (5) Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 (OJ L 176, 27.6.2013, p. 1). (6) Cross-border card-based payment transactions, as defined in Annex II, require information on the counterpart residency and the location of the point of sale in order to determine whether card-based payment transactions are cross-border. Therefore, the counterpart residency and the location of the point of sale should be reported together. (7) See definition of ‘electronic money’ in this Annex. (8) See definition of ‘payment order’ in this Annex (9) See definition of ‘e-money card terminals’ in this Annex. |
ANNEX III
Cells highlighted in grey represent the reporting requirements. Payment service providers should report Tables 1 to 6 and Table 9; payment system operators should report Tables 7 and 8. There are two versions of Tables 4 and 5, only one of which should be reported. Tables 4a and 5a should be reported by all payment service providers which have not been granted a derogation pursuant to Article 4, whereas reporting agents which have been granted a derogation pursuant to Article 4(2) and (3) should report the statistical information in Tables 4b and 5b. The geographical breakdowns are explained in detail at the end of this Annex.
Table 1 is reported by all PSPs, except those granted derogation pursuant to Article 4(2) and (3), on a semi-annual basis.
| Number | Value | |
|---|---|---|
| Credit institutions | ||
| Number of overnight deposits | ||
| of which: | ||
| Number of internet/PC-linked overnight deposits | ||
| Number of transferable overnight deposits | ||
| of which: | ||
| Number of internet/PC-linked transferable overnight deposits | ||
| Number of payment accounts | ||
| Number of e-money accounts | ||
| Outstanding value on e-money storages issued (1) | ||
| Account Information Services Providers | ||
| Number of clients | Geo 3 | |
| Electronic money institutions | ||
| Number of payment accounts | ||
| Number of e-money accounts | ||
| Outstanding value on e-money storages issued (1) | ||
| Payment institutions | ||
| Number of payment accounts | ||
| Account Information Services Providers | ||
| Number of Clients | Geo 3 | |
| Other PSPs and e-money issuers | ||
| Number of payment accounts | ||
| Number of e-money accounts | ||
| Outstanding value on e-money storages issued (1) | ||
| Account Servicing Payment Services Providers | ||
| Number of payment accounts accessed by Account Information Service Providers | Geo 3 | |
| (1) Outstanding value on e-money storages issued by e-money issuers. |
Table 2 is reported by all PSPs, except those granted a derogation pursuant to Article 4(2) and (3), on a semi-annual basis.
| Cards issued by resident PSPs | Number |
|---|---|
| Cards with a cash function | |
| Cards with a payment function (except cards with an e-money function only) | |
| of which: | |
| Debit card | |
| issued under PCS VISA | |
| issued under PCS MASTERCARD | |
| issued under other PCSs (1) | |
| Delayed debit card | |
| issued under PCS VISA | |
| issued under PCS MASTERCARD | |
| issued under other PCSs2 | |
| Credit card | |
| issued under PCS VISA | |
| issued under PCS MASTERCARD | |
| issued under other PCSs (1) | |
| Cards with an e-money function | |
| Cards on which e-money can be stored directly | |
| of which: | |
| Cards with an e-money function that have been loaded at least once | |
| Cards which give access to e-money stored on e-money accounts | |
| Total number of cards (irrespective of the number of functions on the card) | |
| of which: | |
| Cards with a combined debit, cash and e-money function | |
| Cards with a contactless payment function | |
| (1) Cards issued under each other PCS should be reported separately in the manner required by the NCB. |
Table 3 is reported by all PSPs, except those granted derogation pursuant to Article 4(2) and (3), on a semi-annual basis.
| Terminals provided by resident PSPs | Number |
|---|---|
| ATMs | |
| of which: | |
| ATMs with a cash withdrawal function | |
| ATMs with a credit transfer function | |
| ATMs accepting contactless transactions | |
| POS terminals | |
| of which: | |
| EFTPOS terminals | |
| of which: | |
| accepting contactless transactions | |
| accepting e-money card transactions | |
| E-money card terminals | |
| of which: | |
| E-money card loading and unloading terminals | |
| E-money card accepting terminals |
Table 4a is reported by all PSPs, except those granted derogation pursuant to Article 4(2) and (3), on a semi-annual basis.
| Sent | Received | |||||
|---|---|---|---|---|---|---|
| Total | Remote | Non-remote | Total | Remote | Non-remote | |
| Credit transfers | ||||||
| Credit transfers (total) | ||||||
| Initiated in paper-based form | ||||||
| Initiated electronically | ||||||
| Initiated in a file/batch | ||||||
| Initiated on a single payment basis | ||||||
| of which: | ||||||
| Online banking based credit transfer | ||||||
| of which: | ||||||
| E-commerce payments | ||||||
| ATM or other PSP terminal | ||||||
| Mobile payment solution | ||||||
| of which: | ||||||
| P2P mobile payment solution | ||||||
| of which: | ||||||
| Processed by credit transfer schemes (2) | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| Reason for authentication via non-SCA (3): | ||||||
| Low value | ||||||
| Payment to self | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction Risk Analysis | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Other | ||||||
| of which: | ||||||
| Initiated by PISP | ||||||
| Direct debits | ||||||
| Direct debits (total) | ||||||
| Initiated in a file/batch | ||||||
| Initiated on a single payment basis | ||||||
| Consent given via an electronic mandate | ||||||
| Processed by direct debit schemes (2) | ||||||
| Consent given in other forms | ||||||
| Processed by direct debit schemes (2) | ||||||
| Card-based payment transactions | ||||||
| Card-based payment transactions with card-based payment instruments issued by resident PSPs [sent] / acquired by resident PSPs (except cards with an e-money function only) [received] | ||||||
| initiated non-electronically | ||||||
| initiated electronically | ||||||
| of which: | ||||||
| Mobile payment solution | ||||||
| of which: | ||||||
| P2P mobile payment solution | ||||||
| Initiated at a physical EFTPOS | ||||||
| of which: | ||||||
| Contactless payments | ||||||
| of which: | ||||||
| Near Field Communication (NFC) payments | ||||||
| Initiated at an ATM | ||||||
| Others | ||||||
| of which: | ||||||
| Processed by payment card schemes (2) | ||||||
| of which: | ||||||
| with debit cards | ||||||
| with delayed debit cards | ||||||
| with credit cards | ||||||
| of which: | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| Reason for authentication via non-SCA (3): | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Low value | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction risk analysis | ||||||
| Merchant initiated transactions (MIT) | ||||||
| Other | ||||||
| Cash withdrawals | ||||||
| Cash withdrawals using card-based payment instruments (except e-money transactions) (total) | ||||||
| Processed by payment card schemes (2) | ||||||
| of which: | ||||||
| with debit cards | ||||||
| with delayed debit cards | ||||||
| with credit cards | ||||||
| E-money payment transactions | ||||||
| E-money payment transactions with e-money issued by resident PSPs (total) | ||||||
| With cards on which e-money can be stored directly | ||||||
| With e-money accounts | ||||||
| of which: | ||||||
| Accessed through a card | ||||||
| Mobile payment solution | ||||||
| of which: | ||||||
| P2P payment solution | ||||||
| Others | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| Reason for authentication via non-SCA: | ||||||
| Low value | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Payment to self | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction risk analysis | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Merchant initiated transactions (MIT) | ||||||
| Other | ||||||
| Cheques | ||||||
| Money remittances | ||||||
| Other payment services | ||||||
| Total payment transactions involving non-MFIs | ||||||
| Payment initiation services | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| of which broken down by payment instrument: | ||||||
| Credit transfers | ||||||
| Other | ||||||
| Other services (not included in Directive (EU) 2015/2366) | ||||||
| Credits to the accounts by simple book entry | Geo_0 | |||||
| Debits from the accounts by simple book entry | Geo_0 | |||||
| Others | Geo_0 | |||||
| (1) For cross-border card-based payment transactions, the residency of the counterpart and the location of the POS are reported together. For card-based payment transactions initiated remotely, sent payment transactions are reported to identify the country of the receiving PSP and the country in which the point of sale is located. For card-based payment transactions initiated non-remotely, sent payment transactions are reported to identify the country of the receiving PSP and the country in which the physical terminal is located. Received payment transactions initiated remotely are reported to identify the country of the sending PSP and the country in which the point of sale is located. Received payment transactions initiated non-remotely are reported to identify the country of the sending PSP and the country in which the physical point of sale is located (2) Reported for each scheme separately. (3) The reason for authentication via non-SCA are not broken down by scheme. |
Table 4b is reported only by PSPs granted a derogation pursuant to Article 4(2) and (3) on an annual basis, with a half-yearly breakdown.
| Sent | Received | |||||
|---|---|---|---|---|---|---|
| Total | Remote | Non -remote | Total | Remote | Non-remote | |
| Credit transfers | ||||||
| Credit transfers (total) | ||||||
| Initiated in paper-based form | ||||||
| Initiated electronically | ||||||
| of which: | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| Reason for authentication via non-SCA: | ||||||
| Low value | ||||||
| Payment to self | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction Risk Analysis | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Other | ||||||
| of which: | ||||||
| Initiated by PISP | ||||||
| Direct debits | ||||||
| Direct debits (total) | ||||||
| Consent given via an electronic mandate | ||||||
| Consent given in other forms | ||||||
| Card-based payment transactions | ||||||
| Card-based payment transactions with card-based payment instruments issued by resident PSPs [sent] / acquired by resident PSPs (except cards with an e-money function only) [received] | ||||||
| initiated non-electronically | ||||||
| initiated electronically | ||||||
| of which: | ||||||
| with debit card | ||||||
| with delayed debit card | ||||||
| with credit card | ||||||
| of which: | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| Reason for authentication via non-SCA: | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Low value | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction risk analysis | ||||||
| Merchant initiated transactions (MIT) | ||||||
| Other | ||||||
| Cash withdrawals | ||||||
| Cash withdrawals using card-based payment instruments (except e-money transactions) (total) | ||||||
| of which: | ||||||
| with debit cards | ||||||
| with delayed debit cards | ||||||
| with credit cards | ||||||
| E-money payment transactions | ||||||
| E-money payment transactions with e-money issued by resident PSPs (total) | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| Reason for authentication via non-SCA: | ||||||
| Low value | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Payment to self | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction risk analysis | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Merchant initiated transactions (MIT) | ||||||
| Other | ||||||
| Money remittances | ||||||
| Payment initiation services | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| of which broken down by payment instrument: | ||||||
| Credit transfers | ||||||
| Other | ||||||
| (1) For cross-border card-based payment transactions, the residency of the counterpart and the location of the POS are reported together. For card-based payment transactions initiated remotely, sent payment transactions are reported to identify the country of the receiving PSP and the country in which the point of sale is located. For card-based payment transactions initiated non-remotely, sent payment transactions are reported to identify the country of the receiving PSP and the country in which the physical terminal is located. Received payment transactions initiated remotely are reported to identify the country of the sending PSP and the country in which the point of sale is located. Received payment transactions initiated non-remotely are reported to identify the country of the sending PSP and the country in which the physical point of sale is located |
Table 5a is reported by all PSPs, except those granted a derogation pursuant to Article 4(2) and (3), on a semi-annual basis.
| Sent | Received | |||||
|---|---|---|---|---|---|---|
| Total | Remote | Non-remote | Total | Remote | Non-remote | |
| Fraudulent credit transfers | ||||||
| Fraudulent credit transfers (total) | ||||||
| Initiated in paper-based form | ||||||
| Initiated electronically | ||||||
| Initiated in a file/batch | ||||||
| Initiated on a single payment basis | ||||||
| of which: | ||||||
| Online banking based credit transfer | ||||||
| of which: | ||||||
| E-commerce payments | ||||||
| ATM or other PSP terminal | ||||||
| Mobile payment solution | ||||||
| of which: | ||||||
| P2P mobile payment solution | ||||||
| of which: | ||||||
| Processed by credit transfer schemes (2) | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| of which fraudulent credit transfers by origin: | ||||||
| Issuance of a payment order by the fraudster | ||||||
| Modification of a payment order by the fraudster | ||||||
| Manipulation of the payer by the fraudster to issue a payment order | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| of which fraudulent credit transfers by origin: | ||||||
| Issuance of a payment order by the fraudster | ||||||
| Modification of a payment order by the fraudster | ||||||
| Manipulation of the payer by the fraudster to issue a payment order | ||||||
| Reason for authentication via non-SCA (3): | ||||||
| Low value | ||||||
| Payment to self | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction Risk Analysis | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Other | ||||||
| of which: | ||||||
| Initiated by PISP | ||||||
| of which losses due to fraud per liability bearer: (4) | ||||||
| The reporting PSP | Geo1 | |||||
| The PSU of the reporting PSP | Geo1 | |||||
| Others | Geo1 | |||||
| Fraudulent direct debits | ||||||
| Fraudulent direct debits (total) | ||||||
| Initiated in a file/batch | ||||||
| Initiated on a single payment basis | ||||||
| Consent given via an electronic mandate | ||||||
| Processed by direct debit schemes (2) | ||||||
| of which fraudulent direct debits by origin: | ||||||
| Unauthorised payment transaction | ||||||
| Manipulation of the payer | ||||||
| Consent given in other forms | ||||||
| Processed by direct debit schemes (2) | ||||||
| of which fraudulent direct debits by origin: | ||||||
| Unauthorised payment transaction | ||||||
| Manipulation of the payer | ||||||
| of which losses due to fraud per liability bearer: (4) | ||||||
| The reporting PSP | Geo1 | |||||
| The PSU of the reporting PSP | Geo1 | |||||
| Others | Geo1 | |||||
| Fraudulent Card-based payment transactions | ||||||
| Fraudulent card-based payment transactions with card-based payment instruments issued by resident PSPs [sent] / acquired by resident PSP (except cards with an e-money function only) [received] | ||||||
| initiated non-electronically | ||||||
| initiated electronically | ||||||
| of which: | ||||||
| Mobile payment solution | ||||||
| of which: | ||||||
| P2P mobile payment solution | ||||||
| Initiated at a physical EFTPOS | ||||||
| of which: | ||||||
| Contactless payments | ||||||
| of which: | ||||||
| Near Field Communication (NFC) payments | ||||||
| Initiated at an ATM | ||||||
| Others | ||||||
| of which: | ||||||
| Processed by payment card schemes (2) | ||||||
| of which: | ||||||
| with debit cards | ||||||
| with delayed debit cards | ||||||
| with credit cards | ||||||
| of which: | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| of which fraudulent card payments by origin: | ||||||
| Issuance of a payment order by the fraudster | ||||||
| Lost or Stolen card | ||||||
| Card Not Received | ||||||
| Counterfeit card | ||||||
| Card details theft | ||||||
| Others | ||||||
| Modification of a payment order by the fraudster | ||||||
| Manipulation of the payer to make a card payment | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| of which fraudulent card payments by origin: | ||||||
| Issuance of a payment order by the fraudster | ||||||
| Lost or Stolen card | ||||||
| Card Not Received | ||||||
| Counterfeit card | ||||||
| Card details theft | ||||||
| Others | ||||||
| Modification of a payment order by the fraudster | ||||||
| Manipulation of the payer to make a card payment | ||||||
| Reason for authentication via non-SCA (3): | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Low value | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction risk analysis | ||||||
| Merchant initiated transactions (MIT) | ||||||
| Other | ||||||
| of which losses due to fraud per liability bearer: (4) | ||||||
| The reporting PSP | Geo1 | Geo1 | ||||
| The PSU of the reporting PSP | Geo1 | Geo1 | ||||
| Others | Geo1 | Geo1 | ||||
| Fraudulent cash withdrawals | ||||||
| Fraudulent cash withdrawals using card-based payment instruments (except e-money transactions) (total) | ||||||
| Processed by payment card schemes (2) | ||||||
| of which: | ||||||
| with debit cards | ||||||
| with delayed debit cards | ||||||
| with credit cards | ||||||
| of which fraudulent cash withdrawal by origin: | ||||||
| Issuance of a payment order (cash withdrawal) by the fraudster | ||||||
| Lost or stolen card | ||||||
| Card Not Received | ||||||
| Counterfeit card | ||||||
| Other | ||||||
| Manipulation of the payer to make a cash withdrawal | ||||||
| of which losses due to fraud per liability bearer: (4) | ||||||
| The reporting PSP | Geo1 | |||||
| The PSU of the reporting PSP | Geo1 | |||||
| Others | Geo1 | |||||
| Fraudulent e-money payment transactions | ||||||
| Fraudulent e-money payment transactions with e-money issued by resident PSPs (total) | ||||||
| With cards on which e-money can be stored directly | ||||||
| With e-money accounts | ||||||
| of which: | ||||||
| Accessed through a card | ||||||
| Mobile payment solution | ||||||
| of which: | ||||||
| P2P payment solution | ||||||
| Others | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| of which fraudulent e-money payments by origin: | ||||||
| Issuance of a payment order by the fraudster | ||||||
| Lost or stolen e-money card | ||||||
| E-money card not received | ||||||
| Counterfeit e-money card | ||||||
| Card details theft | ||||||
| Unauthorised e-money account transaction | ||||||
| Modification of a payment order by the fraudster | ||||||
| Manipulation of the payer to make an e-money payment | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| of which fraudulent e-money payments by origin: | ||||||
| Issuance of a payment order by the fraudster | ||||||
| Lost or stolen e-money card | ||||||
| E-money card not received | ||||||
| Counterfeit e-money card | ||||||
| Card details theft | ||||||
| Unauthorised e-money account transaction | ||||||
| Modification of a payment order by the fraudster | ||||||
| Manipulation of the payer to make an e-money payment | ||||||
| Reason for authentication via non-SCA: | ||||||
| Low value | ||||||
| Trusted beneficiaries | ||||||
| Recurring transaction | ||||||
| Payment to self | ||||||
| Secure corporate payment processes and protocols | ||||||
| Transaction risk analysis | ||||||
| Contactless low value | ||||||
| Unattended terminals for transport fares or parking fees | ||||||
| Merchant initiated transactions (MIT) | ||||||
| Other | ||||||
| of which losses due to fraud per liability bearer: (4) | ||||||
| The reporting PSP | Geo1 | |||||
| The PSU of the reporting PSP | Geo1 | |||||
| Others | Geo1 | |||||
| Cheques | ||||||
| Money remittances | ||||||
| Other payment services | ||||||
| Total fraudulent payment transactions involving non-MFIs | ||||||
| Payment initiation services | ||||||
| Authenticated via strong customer authentication (SCA) | ||||||
| Authenticated via non-strong customer authentication (non-SCA) | ||||||
| of which broken down by payment instrument: | ||||||
| Credit transfers | ||||||
| Other | ||||||
| (1) For cross-border card-based payment transactions, the residency of the counterpart and the location of the POS are reported together. For card-based payment transactions initiated remotely, sent payment transactions are reported to identify the country of the receiving PSP and the country in which the point of sale is located. For card-based payment transactions initiated non-remotely, sent payment transactions are reported to identify the country of the receiving PSP and the country in which the physical terminal is located. Received payment transactions initiated remotely are reported to identify the country of the sending PSP and the country in which the point of sale is located. Received payment transactions initiated non-remotely are reported to identify the country of the sending PSP and the country in which the physical point of sale is located (2) Reported for each scheme separately. (3) The reason for authentication via non-SCA are not broken down by scheme. (4) Only reported for the value of fraudulent transactions. |
Table 5b is reported only by PSPs granted a derogation pursuant to Article 4(2) and (3) on an annual basis, with a half-yearly breakdown.
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