> 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/77.md).

# Article 77 — Requests for refunds for payment transactions initiated by or through a payee

*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. Member States shall ensure that the payer can request the refund referred to in [Article 76](/psd2/articles/76.md) of an authorised payment transaction initiated by or through a payee for a period of 8 weeks from the date on which the funds were debited.
2. Within 10 business days of receiving a request for a refund, the payment service provider shall either refund the full amount of the payment transaction or provide a justification for refusing the refund and indicate the bodies to which the payer may refer the matter in accordance with [Articles 99](/psd2/articles/99.md) to 102 if the payer does not accept the reasons provided.

   The payment service provider’s right under the first subparagraph of this paragraph to refuse the refund shall not apply in the case set out in the fourth subparagraph of [Article 76(1)](/psd2/articles/76.md).

***

[Title IV — Rights and obligations in relation to the provision and use of payment services](/psd2/titles/iv.md) · [← Article 76](/psd2/articles/76.md) · [Article 78 →](/psd2/articles/78.md)