Chapter I: Payment service providers

I. – Payment service providers are payment institutions, electronic money institutions, credit institutions and account information service providers. II. – When they provide payment services, the following institutions and services are also considered to be payment service providers, without being subject to the provisions of Chapter II of this Title and within the limits of the legislative provisions which, where applicable, govern them: a) The Banque de France, the Institut…

It is prohibited for any person other than those mentioned in article L. 521-1 to provide payment services within the meaning of II of article L. 314-1 on a regular professional basis.

I. – As an exception to the prohibition in Article L. 521-2, a company may provide payment services based on means of payment that are accepted, for the acquisition of goods or services, only : 1° On the premises of that undertaking or, under a commercial agreement with it, in a limited network of persons accepting those means of payment; or 2° For a limited range of goods or services….

I. – As an exception to the prohibition laid down in article L. 521-2, a provider of electronic communications networks or services may provide payment services, in addition to electronic communications services to a subscriber to that network or service, for the execution of: 1° Payment transactions carried out for the purchase of digital content and voice services, regardless of the device used for the purchase or consumption of such…

Services based on specific payment instruments, valid only in France, provided at the request of a legal person governed by public or private law or similar, subject to specific legislative or regulatory provisions or a special public law regime, and enabling the acquisition of specific categories of goods or services from suppliers who have concluded a commercial agreement relating to the acceptance of these instruments are not considered to be…

It is forbidden for any company other than those mentioned in article L. 522-1 to use a name, a company name, advertising or, in general, expressions that give the impression that it is authorised as a payment institution or to create confusion in this respect.

Payment service providers only have access to, process and store personal data necessary for the execution of their payment services with the express consent of the payment service user.

Payment systems and payment service providers shall be permitted to process personal data where this is necessary to ensure the prevention, investigation and detection of payment fraud. The communication to individuals of information on the processing of personal data and the processing of such personal data, as well as any other processing of personal data, shall be carried out in accordance with the provisions of Regulation (EU) 2016/679 of the…

Notwithstanding the provisions of Article L. 612-1, the Commission Nationale de l’Informatique et des Libertés shall ensure compliance with the provisions of Articles L. 521-5 and L. 521-6 by using the powers conferred upon it by Regulation (EU) 2016/679 of the European Parliament and of the Council and Law No. 78-17 of 6 January 1978 on Data Processing, Data Files and Individual Liberties. To this end, it may in particular…

The Banque de France shall ensure the security of access to payment accounts and their information in connection with the provision of the payment services mentioned in 7° and 8° of II of Article L. 314-1 by any payment service provider and the relevance of the standards applicable in this regard. In order to carry out this task, the Banque de France has the same powers with regard to these…