--- title: "Article 61 — Scope" type: regulation legal_status: in_force source: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117" source_retrieved: 2026-10-08 corrigenda: - celex: "32015L2366R(05)" published: "2018-04-23" oj: "OJ L 102, 23.4.2018, p. 97" eli: "http://data.europa.eu/eli/dir/2015/2366/corrigendum/2018-04-23/oj" source: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L2366R(05)" cellar: "http://publications.europa.eu/resource/cellar/41f26234-46c7-11e8-be1d-01aa75ed71a1" shortTitle: "Article 61 — Scope" instrument_type: level1_directive authority: Commission binding: true binding_character: binding mica_level2: false legal_basis: "Directive (EU) 2015/2366" instrument: psd2 celex: "32015L2366" regulation: PSD2 regulation-full: "Directive (EU) 2015/2366" article: 61 status: in_force object_id: eu.psd2.legal_text.article.61 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: 2026-11-09 --- *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)* 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)](62.md), [Article 64(3)](64.md), and [Articles 72](72.md), [74](74.md), [76](76.md), [77](77.md), [80](80.md), [89](89.md) and [90](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](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](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. *** [Title IV — Rights and obligations in relation to the provision and use of payment services](../titles/iv.md) · [← Article 60](60.md) · [Article 62 →](62.md)