{"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/64","url":"https://www.headlesslaw.com/psd2/articles/64","title":"Article 64 — Consent and withdrawal of consent","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 2015","check":{"against":"EUR-Lex","on":"2026-11-09"},"check_result":"matched","official_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117","valid_from":"2015-12-23","valid_until":null,"revision":1,"content_id":"f6b88b392ac0c596","change_date":null,"nearest_versions":["2015-12-23"],"first_text_date":"2015-11-25","correction_applies":false,"versions":["2015-12-23"],"version_url":"https://www.headlesslaw.com/psd2/articles/64/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/articles/64/versions/2015-12-23/rev/f6b88b392ac0c596","versions_url":"https://www.headlesslaw.com/psd2/articles/64/versions","relations_url":"https://www.headlesslaw.com/psd2/articles/64/relations","source_line":null,"attribution":null},"provenance":{"official_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117","check":{"result":"matched","checked_at":"2026-11-09","against":"EUR-Lex"},"repo_path":null,"body_sha256":"d3803bd3313521f0925a570188f5e076e38a712a33c7277fc06acc3da33d0c1c","markdown_sha256":"b4b037db4d66eb720eb276710b31ecf179954fc8200db3c1e2f94207b9b82b93"},"units":[{"locator":"psd2/art/64","kind":"article","status":"in_force","label":null,"heading":"Consent and withdrawal of consent","text":"","marks":[],"revision":1,"text_hash":"e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855","reason":null},{"locator":"psd2/art/64/para/1","kind":"paragraph","status":"in_force","label":"1.","heading":null,"text":"Member States shall ensure that a payment transaction is considered to be authorised only if the payer has given consent to execute the payment transaction. A payment transaction may be authorised by the payer prior to or, if agreed between the payer and the payment service provider, after the execution of the payment transaction.","marks":[],"revision":1,"text_hash":"60d7819c79a9cf9c0c57a404081887acda7c61f4fdedfd6f766805510a292452","reason":null},{"locator":"psd2/art/64/para/2","kind":"paragraph","status":"in_force","label":"2.","heading":null,"text":"Consent to execute a payment transaction or a series of payment transactions shall be given in the form agreed between the payer and the payment service provider. Consent to execute a payment transaction may also be given via the payee or the payment initiation service provider.","marks":[],"revision":1,"text_hash":"86380ce96654a700497df1eca396c9d26286e73e78922fa032bc46498168c7a0","reason":null},{"locator":"psd2/art/64/para/2/cont/1","kind":"continuation","status":"in_force","label":null,"heading":null,"text":"In the absence of consent, a payment transaction shall be considered to be unauthorised.","marks":[],"revision":1,"text_hash":"38e3a53147ac7ecaad65edb54971059ac3fcb928de40975246bccade63623754","reason":null},{"locator":"psd2/art/64/para/3","kind":"paragraph","status":"in_force","label":"3.","heading":null,"text":"Consent may be withdrawn by the payer at any time, but no later than at the moment of irrevocability in accordance with Article 80. Consent to execute a series of payment transactions may also be withdrawn, in which case any future payment transaction shall be considered to be unauthorised.","marks":[],"revision":1,"text_hash":"6ca750f971aa478241011e2bd32e27d1e6e295a44b10b0bf6dbdf9f2bd4ffd01","reason":null},{"locator":"psd2/art/64/para/4","kind":"paragraph","status":"in_force","label":"4.","heading":null,"text":"The procedure for giving consent shall be agreed between the payer and the relevant payment service provider(s).","marks":[],"revision":1,"text_hash":"530aa3b2aacc78d2e69461ab3a8afa9f96aff90cfbfbf2f0238d8cc75de18f2a","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\n1. <a id=\"p-1\"></a>Member States shall ensure that a payment transaction is considered to be authorised only if the payer has given consent to execute the payment transaction. A payment transaction may be authorised by the payer prior to or, if agreed between the payer and the payment service provider, after the execution of the payment transaction.\n2. <a id=\"p-2\"></a>Consent to execute a payment transaction or a series of payment transactions shall be given in the form agreed between the payer and the payment service provider. Consent to execute a payment transaction may also be given via the payee or the payment initiation service provider.\n\n    In the absence of consent, a payment transaction shall be considered to be unauthorised.\n3. <a id=\"p-3\"></a>Consent may be withdrawn by the payer at any time, but no later than at the moment of irrevocability in accordance with [Article 80](80.md). Consent to execute a series of payment transactions may also be withdrawn, in which case any future payment transaction shall be considered to be unauthorised.\n4. <a id=\"p-4\"></a>The procedure for giving consent shall be agreed between the payer and the relevant payment service provider(s).\n\n## Related Level 2 and Level 3\n\n### Guidance and Q&A\n\n- [EBA Q&A 2018_4096 — Q&A — API functionality \\[Final Q&A\\]](../level-3/q-and-a/eba/eba-qa-2018-4096-api-functionality.md)\n- [EBA Q&A 2018_4123 — Q&A — Explicit consent required by the ASPSP from the PSU \\[Final Q&A\\]](../level-3/q-and-a/eba/eba-qa-2018-4123-explicit-consent-required-by-the-aspsp-from-the-psu-to.md)\n- [EBA Q&A 2025_7644 — Q&A — Obligations of ASPSPs to inform PISPs about the execution \\[Final Q&A\\]](../level-3/q-and-a/eba/eba-qa-2025-7644-obligations-of-aspsps-to-inform-pisps-about-the-execution.md)\n\n***\n\n[Title IV — Rights and obligations in relation to the provision and use of payment services](../titles/iv.md) · [← Article 63](63.md) · [Article 65 →](65.md)\n"}