{"id":144585,"date":"2023-11-09T03:00:17","date_gmt":"2023-11-09T02:00:17","guid":{"rendered":"https:\/\/www.cde.ual.es\/?p=144585"},"modified":"2024-02-27T12:39:47","modified_gmt":"2024-02-27T11:39:47","slug":"instant-payments-council-and-parliament-reach-provisional-agreement","status":"publish","type":"post","link":"https:\/\/www.cde.ual.es\/en\/instant-payments-council-and-parliament-reach-provisional-agreement\/","title":{"rendered":"Instant payments: Council and Parliament reach provisional agreement"},"content":{"rendered":"<p style=\"text-align: justify;\">The Council and the European Parliament have reached a political agreement on the\u00a0<strong>instant payments<\/strong>\u00a0proposal, which will<strong>\u00a0improve the availability of instant payment options in euro to consumers and businesses<\/strong>\u00a0in the EU and in EEA countries.<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.cde.ual.es\/wp-content\/uploads\/2023\/11\/2306_instantpayment_hp-column-2_hp-column2.png\"><img decoding=\"async\" class=\" wp-image-144586 aligncenter\" src=\"https:\/\/www.cde.ual.es\/wp-content\/uploads\/2023\/11\/2306_instantpayment_hp-column-2_hp-column2.png\" alt=\"\" width=\"699\" height=\"394\" srcset=\"https:\/\/www.cde.ual.es\/wp-content\/uploads\/2023\/11\/2306_instantpayment_hp-column-2_hp-column2.png 825w, https:\/\/www.cde.ual.es\/wp-content\/uploads\/2023\/11\/2306_instantpayment_hp-column-2_hp-column2-300x169.png 300w, https:\/\/www.cde.ual.es\/wp-content\/uploads\/2023\/11\/2306_instantpayment_hp-column-2_hp-column2-768x433.png 768w\" sizes=\"(max-width: 699px) 100vw, 699px\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">The new rules will<strong>\u00a0improve the strategic autonomy of the European economic and financial sector<\/strong>\u00a0as they will help reduce any excessive reliance on third-country financial institutions and infrastructures. Improving the possibilities to mobilize cash-flows will bring benefits for citizens and companies and allow for innovative added value services.<\/p>\n<p style=\"text-align: justify;\">Instant payments allow people to\u00a0<strong>transfer money within ten seconds<\/strong>\u00a0at any time of the day, including outside business hours, not only within the same country but also to another EU member state. The provisional agreement takes into consideration particularities of non-euro area entities.<\/p>\n<p style=\"text-align: justify;\">Under the provisionally agreed rules,\u00a0<strong>payment service providers such as banks<\/strong>, which provide standard credit transfers in euro, will also be\u00a0<strong>required to offer the service of sending and receiving instant payments in euro<\/strong>. The charges that apply (if any) must\u00a0<strong>not be higher than the charges<\/strong>\u00a0that apply for standard credit transfers.<\/p>\n<table style=\"width: 99.9988%; border-collapse: collapse; border-style: double; border-color: #001f7d;\" cellpadding=\"0,5\">\n<tbody>\n<tr>\n<td style=\"width: 100%;\"><a href=\"https:\/\/www.cde.ual.es\/en\/eurobarometer-survey-highlights-how-europeans-interact-with-the-financial-services-world\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/www.cde.ual.es\/wp-content\/uploads\/2022\/10\/man-76196_1920.jpg\" alt=\"\" width=\"201\" height=\"134\" \/><\/a><\/p>\n<h4 class=\"entry-title\"><a href=\"https:\/\/www.cde.ual.es\/en\/eurobarometer-survey-highlights-how-europeans-interact-with-the-financial-services-world\/\/\" target=\"_blank\" rel=\"noopener\">Eurobarometer survey highlights how Europeans interact with the financial services world<br \/>\n<\/a><\/h4>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">The Council and Parliament agreed that the new rules will come into force after a transition period that will be faster in the euro area and longer in the non-euro area, who need more time to adjust.<\/p>\n<p style=\"text-align: justify;\">The colegislators agreed to grant access for payment and e-money institutions (PIEMIs) to payment systems, by changing the settlement finality Directive (SFD) in order. As a result, these entities will be covered by the obligation to offer the service of sending and receiving instant credit transfers, after a transitional period. The colegislators added appropriate safeguards to ensure that the access of PIEMIs to payment systems doesn\u2019t carry additional risk to the system.<\/p>\n<p style=\"text-align: justify;\">Under the new rules, instant payment providers will need to verify that the beneficiary\u2019s IBAN and name match in order to alert the payer to possible mistakes or fraud before a transaction is made. This requirement will apply to regular transfers too.<\/p>\n<p style=\"text-align: justify;\">The Council and Parliament included a review clause with a requirement for the Commission to present a report containing an evaluation of the development of charges for credit charges.<\/p>\n<p style=\"text-align: justify;\"><strong>SOURCE<\/strong>: <a href=\"https:\/\/www.consilium.europa.eu\/es\/press\/press-releases\/2023\/11\/07\/instant-payments-council-and-parliament-reach-provisional-agreement\/\" target=\"_blank\" rel=\"noopener\">EUROPEAN COUNCIL<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Council and the European Parliament have reached a political agreement on the\u00a0instant payments\u00a0proposal, which will\u00a0improve the availability of instant payment options in euro to consumers and businesses\u00a0in the EU and in EEA countries. The new rules will\u00a0improve the strategic autonomy of the European economic and financial sector\u00a0as they will help reduce any excessive reliance [&hellip;]<\/p>\n","protected":false},"author":101011,"featured_media":144586,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4090,346,4064,4065,4088],"tags":[726,753,10753],"class_list":{"0":"post-144585","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economy-finance","8":"category-eu-news","9":"category-institutional","10":"category-international-pol-coop","11":"category-market","12":"tag-european-council","13":"tag-european-parliament","14":"tag-instant-payments","15":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Instant payments: Council and Parliament reach provisional agreement | CDE Almer\u00eda - Centro de Documentaci\u00f3n Europea - Universidad de Almer\u00eda<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cde.ual.es\/en\/instant-payments-council-and-parliament-reach-provisional-agreement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Instant payments: Council and Parliament reach provisional agreement | CDE Almer\u00eda - Centro de Documentaci\u00f3n Europea - Universidad de Almer\u00eda\" \/>\n<meta property=\"og:description\" content=\"The Council and the European Parliament have reached a political agreement on the\u00a0instant payments\u00a0proposal, which will\u00a0improve the availability of instant payment options in euro to consumers and businesses\u00a0in the EU and in EEA countries. 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