Section 8: Practical procedures and deadlines in the event of unauthorised or incorrectly executed payment transactions

Where a Payment Service User denies having authorised a payment transaction which has been executed, or claims that the payment transaction has not been executed correctly, the onus shall be on his Payment Service Provider to prove that the transaction in question has been authenticated, properly recorded and accounted for and that it has not been affected by a technical or other deficiency. The use of the payment instrument as…

Where a payment service user denies having authorised a payment transaction which has been executed, or claims that the payment transaction has not been executed correctly, and the payment order is initiated through a payment service provider providing a payment initiation service at the request of the payer, it shall be for that payment service provider to prove that the payment order has been received by the payment service provider…

The payment service user shall report an unauthorised or incorrectly executed payment transaction to his payment service provider without delay and at the latest within thirteen months of the debit date, failing which the payment service user shall be barred unless the payment service provider has not provided him with or made available to him the information relating to that payment transaction in accordance with Chapter IV of Title 1…