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---
title: "direct debit"
type: definition
status: Published
source: "PSD2 Article 4, point (23)"
defined_term: "direct debit"
source_regulation: "PSD2"
source_reference: "Article 4, point (23)"
source_node: "eu.psd2.article.4.subparagraph.1.point.23"
cross_regime_auto_link: false
inline_links: pending
text_version: "Consolidated version of 17 January 2025"
source_url: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117"
check_status: matched
verified: true
last_checked: 2026-10-26
---

*In force · PSD2 Article 4, point (23) · Consolidated version of 17 January 2025 · Checked against EUR-Lex on 26 Oct 2026 · [Official source](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117)*

## Definition

> **(23)** ‘**direct debit**’ means a payment service for debiting a payer’s payment account, where a payment transaction is initiated by the payee on the basis of the consent given by the payer to the payee, to the payee’s payment service provider or to the payer’s own payment service provider;

## Source

[PSD2, Article 4, point (23)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117).