{"release":{"id":"2d86bd12ba77a288053b34ea2517324b92d03c8039b7f5d156fa4002421384a1","published":"2026-11-10T16:06:46Z","pinned":false},"limits":{"coverage":{"history":"full","held_since":"2015-12-23","gaps":[],"covered":["PSD2 L1"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"2d86bd12ba77a288053b34ea2517324b92d03c8039b7f5d156fa4002421384a1","release_published":"2026-11-10T16:06:46Z","checked_at":"2026-11-09","checked_against":"EUR-Lex"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/articles/46","url":"https://www.headlesslaw.com/psd2/articles/46","title":"Article 46 — Information for the payer and payee after the initiation of a payment order","family":"l1_generated","work_id":"psd2","status":"in_force","force_status":"in_force","date_state":"current","requested_date":null,"as_of":"2026-11-11","applies_from":null,"application":null,"version_label":"Consolidated version of 23 December 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for the payer and payee after the initiation of a payment order","text":"","marks":[],"revision":1,"text_hash":"e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855","reason":null},{"locator":"psd2/art/46/subpara/1","kind":"subparagraph","status":"in_force","label":null,"heading":null,"text":"In addition to the information and conditions specified in Article 45, where a payment order is initiated through a payment initiation service provider, the payment initiation service provider shall, immediately after initiation, provide or make available all of the following data to the payer and, where applicable, the payee:","marks":[],"revision":1,"text_hash":"f4bed535f0a7766f5c2eb3b2c3cc5df9513bdfc76420bdffe8f20fa9d3d41ac7","reason":null},{"locator":"psd2/art/46/subpara/1/pt/a","kind":"point","status":"in_force","label":"(a)","heading":null,"text":"confirmation of the successful initiation of the payment order with the payer’s account servicing payment service provider;","marks":[],"revision":1,"text_hash":"18306ee4ea7c9cb07a1eb4da0c0ca85c711f18b54f20e24bf0d1ab764e84fc81","reason":null},{"locator":"psd2/art/46/subpara/1/pt/b","kind":"point","status":"in_force","label":"(b)","heading":null,"text":"a reference enabling the payer and the payee to identify the payment transaction and, where appropriate, the payee to identify the payer, and any information transferred with the payment transaction;","marks":[],"revision":1,"text_hash":"4be50330f766778fc59ad10d23235cbf2e36afa522d1fbbb74a5c704a01033f8","reason":null},{"locator":"psd2/art/46/subpara/1/pt/c","kind":"point","status":"in_force","label":"(c)","heading":null,"text":"the amount of the payment transaction;","marks":[],"revision":1,"text_hash":"b6d9788774b5e66fd4994ce5ba491b6ae3facaf01baa04485909c794d4381c41","reason":null},{"locator":"psd2/art/46/subpara/1/pt/d","kind":"point","status":"in_force","label":"(d)","heading":null,"text":"where applicable, the amount of any charges payable to the payment initiation service provider for the transaction, and where applicable a breakdown of the amounts of such charges.","marks":[],"revision":1,"text_hash":"a4f682aa7f3fc88d3f5ff871b7dc26a02c89bfb9d83d840353e760d854257297","reason":null}],"markdown":"*In force · Consolidated version of 17 January 2025 · Verified 9 Nov 2026 · [Official source](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117)*\n\nIn addition to the information and conditions specified in [Article 45](45.md), where a payment order is initiated through a payment initiation service provider, the payment initiation service provider shall, immediately after initiation, provide or make available all of the following data to the payer and, where applicable, the payee:\n\n<a id=\"p-a\"></a>**(a)** confirmation of the successful initiation of the payment order with the payer’s account servicing payment service provider;\n\n<a id=\"p-b\"></a>**(b)** a reference enabling the payer and the payee to identify the payment transaction and, where appropriate, the payee to identify the payer, and any information transferred with the payment transaction;\n\n<a id=\"p-c\"></a>**(c)** the amount of the payment transaction;\n\n<a id=\"p-d\"></a>**(d)** where applicable, the amount of any charges payable to the payment initiation service provider for the transaction, and where applicable a breakdown of the amounts of such charges.\n\n## Related Level 2 and Level 3\n\n### Guidance and Q&A\n\n- [EBA Q&A 2019_4601 — Q&A — ASPSP providing updated payment status to PISP \\[Final Q&A\\]](../level-3/q-and-a/eba/eba-qa-2019-4601-aspsp-providing-updated-payment-status-to-pisp.md)\n\n***\n\n[Title III — Transparency of conditions and information requirements for payment services](../titles/iii.md) · [← Article 45](45.md) · [Article 47 →](47.md)\n"}