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)
| Sent | Received | |||||
|---|---|---|---|---|---|---|
| Total | Remote | Non-remote | Total | Remote | Non-remote | |
| Fraudulent credit transfers | ||||||
| Fraudulent credit transfers (total) | ||||||
| Initiated in paper-based form | ||||||
| Initiated electronically | ||||||
| of which: | ||||||
| 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: | ||||||
| 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: (2) | ||||||
| The reporting PSP | Geo1 | |||||
| The PSU of the reporting PSP | Geo1 | |||||
| Others | Geo1 | |||||
| Fraudulent direct debits | ||||||
| Fraudulent direct debits (total) | ||||||
| Consent given via an electronic mandate | ||||||
| of which fraudulent direct debits by origin: | ||||||
| Unauthorised payment transaction | ||||||
| Manipulation of the payer | ||||||
| Consent given in other forms | ||||||
| of which fraudulent direct debits by origin: | ||||||
| Unauthorised payment transaction | ||||||
| Manipulation of the payer | ||||||
| of which losses due to fraud per liability bearer: (2) | ||||||
| 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 PSP [sent] / acquired by resident PSP (except cards with an e-money function only) [received] | ||||||
| initiated non-electronically | ||||||
| initiated electronically | ||||||
| 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: | ||||||
| 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: (2) | ||||||
| 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) | ||||||
| with debit cards | ||||||
| with delayed debit cards | ||||||
| with credit cards | ||||||
| of which fraudulent cash withdrawals by origin: | ||||||
| Issuance of a payment order 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: (2) | ||||||
| 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) | ||||||
| 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: (2) | ||||||
| The reporting PSP | Geo1 | |||||
| The PSU of the reporting PSP | Geo1 | |||||
| Others | Geo1 | |||||
| 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 (2) Only reported for the value of fraudulent transactions. |
Table 6 is reported by all PSPs, except those granted derogation pursuant to Article 4(2) and (3), on a semi-annual basis.
| Transactions per type of terminal (1) | Number | Value | |
|---|---|---|---|
| a) | Transactions at terminals at which transactions are acquired by resident PSPs with cards issued by resident PSPs | ||
| of which: | |||
| ATM cash withdrawals (except e-money transactions) | |||
| ATM cash deposits (except e-money transactions) | |||
| Other ATM transactions (except e-money transactions) | |||
| POS transactions (except e-money transactions) | |||
| E-money card loading and unloading transactions | |||
| E-money payment transactions with cards with an e-money function | |||
| b) | Transactions at terminals at which transactions are acquired by resident PSPs with cards issued by non-resident PSPs | ||
| of which: | |||
| ATM cash withdrawals (except e-money transactions) | |||
| ATM cash deposits (except e-money transactions) | |||
| Other ATM transactions (except e-money transactions) | |||
| POS transactions (except e-money transactions) | |||
| E-money card loading and unloading transactions | |||
| E-money payment transactions with cards with an e-money function | |||
| c) | Transactions at terminals at which transactions are acquired by non-resident PSPs with cards issued by resident PSPs | ||
| of which: | |||
| ATM cash withdrawals (except e-money transactions) | |||
| ATM cash deposits (except e-money transactions) | |||
| Other ATM transactions (except e-money transactions) | |||
| POS transactions (except e-money transactions) | |||
| E-money card loading and unloading transactions | |||
| E-money payment transactions with cards with an e-money function | |||
| OTC cash withdrawals | Geo 1 | Geo 1 | |
| OTC cash deposits | Geo 1 | Geo 1 | |
| Cash advances at POS terminals | Geo 1 | Geo 1 | |
| (1) The geographical (Geo) breakdowns are based on the location of the terminal. |
Table 7 is reported by payment system operators.
| Payment system (other than TARGET2) | Number |
|---|---|
| Number of participants | |
| Direct participants | |
| Credit institutions | |
| Central bank | |
| Other direct participants | |
| General Government | |
| Clearing and settlement organisations | |
| Other financial institutions | |
| Others | |
| Indirect participants |
Table 8 is reported by payment system operators.
| Sent | ||
|---|---|---|
| Number | Value | |
| Payment system (other than TARGET2) – Large value payments system | ||
| Total transactions | ||
| Credit transfers | ||
| Initiated in paper-based form | Geo 1 | Geo 1 |
| Initiated electronically | Geo 1 | Geo 1 |
| Direct debits | ||
| Card-based payment transactions | ||
| ATM cash withdrawals | ||
| ATM cash deposits | ||
| E-money payment transactions | ||
| Cheques | ||
| Other payment services | ||
| Concentration ratio | Geo 1 | Geo 1 |
| Payment system (other than TARGET2) – Retail payments system | ||
| Total transactions | ||
| Credit transfers | ||
| Initiated in paper-based form | Geo 1 | Geo 1 |
| Initiated electronically | Geo 1 | Geo 1 |
| of which: | ||
| Instant | Geo 1 | Geo 1 |
| Direct debits | ||
| Card-based payment transactions | ||
| ATM cash withdrawals | ||
| ATM cash deposits | ||
| E-money payment transactions | ||
| Cheques | ||
| Other payment services | ||
| Concentration ratio | Geo 1 | Geo 1 |
Table 9 is reported by all PSPs, except those granted a derogation pursuant to Article 4(2) and (3), on a quarterly basis.
| Sent | |||
|---|---|---|---|
| Total | Remote | Non-remote | |
| Credit transfers | |||
| Credit transfers (total) | |||
| Initiated electronically | |||
| Direct debits | |||
| Direct debits (total) | |||
| Card-based payment transactions | |||
| Card-based payment transactions with card-based payment instruments issued by resident PSPs (except cards with an e-money function only) [sent] | |||
| Initiated electronically | |||
| of which: | |||
| MCC | |||
| E-money payment transactions | |||
| E-money payment transactions with e-money issued by resident PSPs (total) | |||
| Cheques | |||
| (1) Cross-border card-based payment transactions initiated remotely are reported to identify the country in which the point of sale is located, while cross-border card-based payment transactions initiated non-remotely are reported to identify the country in which the physical terminal is located. | |||
| Geo 0 | Geo 1 | Geo 2 | Geo 3 |
| --- | --- | --- | --- |
| Domestic | Domestic and cross-border combined | Cross-border | Domestic |
| Single country breakdown for each EEA member | Cross-border within the EEA | ||
| Rest of the world (cross-border outside the EEA) | Rest of the world (cross-border outside the EEA) | ||
| (1) Based on ISO 3166:https://www.iso.org/obp/ui/#search |
ANNEX IV
Reporting agents must fulfil the following minimum standards to meet the European Central Bank’s (ECB’s) statistical reporting requirements.
1.Minimum standards for transmission:
(a) reporting must be timely and within the deadlines set by the relevant NCB;
(b) statistical reports must take their form and format from the technical reporting requirements set by the relevant NCB;
(c) the reporting agent must provide the details of one or more contact persons to the relevant NCB;
(d) the technical specifications for data transmission to the relevant NCBs must be followed.
2.Minimum standards for accuracy:
(a) statistical information must be correct: all linear constraints must be fulfilled (e.g. subtotals must add up to totals), and data must be consistent across all frequencies;
(b) reporting agents must be able to provide information on the developments implied by the transmitted data;
(c) statistical information must be complete and must not contain continuous and structural gaps; existing gaps must be acknowledged, explained to the relevant NCB and, where applicable, bridged as soon as possible;
(d) reporting agents must follow the rounding policy set by the relevant NCB for the technical transmission of the data.
3.Minimum standards for compliance with concepts:
(a) statistical information must comply with the definitions and classifications contained in this Regulation;
(b) in the event of deviations from these definitions and classifications reporting agents must monitor and quantify the difference between the measure used and the measure contained in this Regulation on a regular basis;
(c) reporting agents must be able to explain breaks in the transmitted data compared with the previous periods’ figures.
4.Minimum standards for revisions:
The revisions policy and procedures set by the ECB and the relevant NCB must be followed. Revisions deviating from regular revisions must be accompanied by explanatory notes.
(*1) Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (OJ L 337, 23.12.2015, p. 35).’;
(1) Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (OJ L 337, 23.12.2015, p. 35).
Reading this document does not replace reading the official text published in the Official Journal of the European Union. We assume no responsibility for any inaccuracies arising from the conversion of the original to this format.
This text is published under EUR-Lex's own terms of reuse, not a Legalize or public-domain licence.
EUR-Lex
Creative Commons Attribution 4.0 International (CC BY 4.0)
© European Union, https://eur-lex.europa.eu — Source: EUR-Lex (Publications Office of the European Union). Reused under the Creative Commons Attribution 4.0 International (CC BY 4.0) licence. Only EU legislation published in the printed Official Journal of the European Union is deemed authentic; consolidated texts are reproduced here for documentation purposes and have been reformatted to Markdown.