> For the complete documentation index, see [llms.txt](https://www.headlesslaw.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.headlesslaw.com/psd2/articles/61.md).

# Article 61 — Scope

*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. Where the payment service user is not a consumer, the payment service user and the payment service provider may agree that [Article 62(1)](/psd2/articles/62.md), [Article 64(3)](/psd2/articles/64.md), and [Articles 72](/psd2/articles/72.md), [74](/psd2/articles/74.md), [76](/psd2/articles/76.md), [77](/psd2/articles/77.md), [80](/psd2/articles/80.md), [89](/psd2/articles/89.md) and [90](/psd2/articles/90.md) do not apply in whole or in part. The payment service user and the payment service provider may also agree on time limits that are different from those laid down in [Article 71](/psd2/articles/71.md).

   \[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 may provide that [Article 102](/psd2/articles/102.md) does not apply where the payment service user is not a consumer.
3. Member States may provide that provisions in this Title are applied to microenterprises in the same way as to consumers.
4. This Directive shall be without prejudice to Directive 2008/48/EC, other relevant Union law or national measures regarding conditions for granting credit to consumers not harmonised by this Directive that comply with Union law.

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[Title IV — Rights and obligations in relation to the provision and use of payment services](/psd2/titles/iv.md) · [← Article 60](/psd2/articles/60.md) · [Article 62 →](/psd2/articles/62.md)