The payee shall pay the charges levied by his payment service provider and the payer shall pay the charges levied by his payment service provider where:
1° A payment transaction is made within the European Economic Area and both the payer’s payment service provider and the payee’s payment service provider are located in a Member State of the European Union or another State party to the Agreement on the European Economic Area;
2° The sole payment service provider involved in the payment transaction is located in a Member State of the European Union or another State party to the Agreement on the European Economic Area.