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of the payment service user in relation to payment instruments and personalised security credentials","text":"","marks":[],"revision":1,"text_hash":"e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855","reason":null},{"locator":"psd2/art/69/para/1","kind":"paragraph","status":"in_force","label":"1.","heading":null,"text":"The payment service user entitled to use a payment instrument shall:","marks":[],"revision":1,"text_hash":"1cfbb321ca63f8a928b9d2982e23e8722de0b635738c551e785c1c8bc02e4f02","reason":null},{"locator":"psd2/art/69/para/1/pt/a","kind":"point","status":"in_force","label":"(a)","heading":null,"text":"use the payment instrument in accordance with the terms governing the issue and use of the payment instrument, which must be objective, non-discriminatory and proportionate;","marks":[],"revision":1,"text_hash":"ca79cf6681c02014b589e084093ca399f43e555f0ab581862c7b0a2ffed90226","reason":null},{"locator":"psd2/art/69/para/1/pt/b","kind":"point","status":"in_force","label":"(b)","heading":null,"text":"notify the payment service provider, or the entity specified by the latter, without undue delay on becoming aware of the loss, theft, misappropriation or unauthorised use of the payment instrument.","marks":[],"revision":1,"text_hash":"322fb676c093f7d855d21dc3198dc32a0f1863f332cbeb12d175b692de4afb7e","reason":null},{"locator":"psd2/art/69/para/2","kind":"paragraph","status":"in_force","label":"2.","heading":null,"text":"For the purposes of point (a) of paragraph 1, the payment service user shall, in particular, as soon as in receipt of a payment instrument, take all reasonable steps to keep its personalised security credentials safe.","marks":[],"revision":1,"text_hash":"0dd3ab16b9a7d2d94ed26cb4f4c8a5bc3dcd8ecb57090bed81d0c9fc5f9578f3","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>The payment service user entitled to use a payment instrument shall:\n\n    <a id=\"p-1-a\"></a>**(a)** use the payment instrument in accordance with the terms governing the issue and use of the payment instrument, which must be objective, non-discriminatory and proportionate;\n\n    <a id=\"p-1-b\"></a>**(b)** notify the payment service provider, or the entity specified by the latter, without undue delay on becoming aware of the loss, theft, misappropriation or unauthorised use of the payment instrument.\n2. <a id=\"p-2\"></a>For the purposes of point (a) of paragraph 1, the payment service user shall, in particular, as soon as in receipt of a payment instrument, take all reasonable steps to keep its personalised security credentials safe.\n\n***\n\n[Title IV — Rights and obligations in relation to the provision and use of payment services](../titles/iv.md) · [← Article 68](68.md) · [Article 70 →](70.md)\n"}