--- title: "Article 64 — Consent and withdrawal of consent" 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 shortTitle: "Article 64 — Consent and withdrawal of consent" 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: 64 status: in_force object_id: eu.psd2.legal_text.article.64 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. 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. 2. 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. In the absence of consent, a payment transaction shall be considered to be unauthorised. 3. Consent may be withdrawn by the payer at any time, but no later than at the moment of irrevocability in accordance with [Article 80](80.md). Consent to execute a series of payment transactions may also be withdrawn, in which case any future payment transaction shall be considered to be unauthorised. 4. The procedure for giving consent shall be agreed between the payer and the relevant payment service provider(s). ## Related Level 2 and Level 3 ### Guidance and Q&A - [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) - [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) - [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) *** [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)