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# Article 102 — ADR procedures

*In force · Consolidated version of 17 January 2025 · Checked against EUR-Lex on 8 Oct 2026 ·* [*Official source*](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117)

1. Member States shall ensure that adequate, independent, impartial, transparent and effective ADR procedures for the settlement of disputes between payment service users and payment service providers concerning the rights and obligations arising under Titles III and IV of this Directive are established according to the relevant national and Union law in accordance with Directive 2013/11/EU of the European Parliament and the Council, using existing competent bodies where appropriate. Member States shall ensure that ADR procedures are applicable to payment service providers.

   \[Corrected by [Corrigendum, OJ L 102, 23.4.2018](https://eur-lex.europa.eu/eli/dir/2015/2366/corrigendum/2018-04-23/oj) of 23 April 2018.]
2. Member States shall require the bodies referred to in paragraph 1 of this Article to cooperate effectively for the resolution of cross-border disputes concerning the rights and obligations arising under Titles III and IV.

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[Title IV — Rights and obligations in relation to the provision and use of payment services](/psd2/titles/iv.md) · [← Article 101](/psd2/articles/101.md) · [Article 103 →](/psd2/articles/103.md)