--- title: "Article 80 — Irrevocability of a payment order" 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 80 — Irrevocability of a payment order" 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: 80 status: in_force object_id: eu.psd2.legal_text.article.80 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 the payment service user shall not revoke a payment order once it has been received by the payer’s payment service provider, unless otherwise specified in this Article. 2. Where the payment transaction is initiated by a payment initiation service provider or by or through the payee, the payer shall not revoke the payment order after giving consent to the payment initiation service provider to initiate the payment transaction or after giving consent to execute the payment transaction to the payee. 3. However, in the case of a direct debit and without prejudice to refund rights the payer may revoke the payment order at the latest by the end of the business day preceding the day agreed for debiting the funds. 4. In the case referred to in [Article 78(2)](78.md) the payment service user may revoke a payment order at the latest by the end of the business day preceding the agreed day. 5. After the time limits laid down in paragraphs 1 to 4, the payment order may be revoked only if agreed between the payment service user and the relevant payment service providers. In the case referred to in paragraphs 2 and 3, the payee’s agreement shall also be required. If agreed in the framework contract, the relevant payment service provider may charge for revocation. ## Related Level 2 and Level 3 ### Guidance and Q&A - [EBA Q&A 2018_4095 — Q&A — Irrevocability of a payment order initiated by a PISP \[Final Q&A\]](../level-3/q-and-a/eba/eba-qa-2018-4095-irrevocability-of-a-payment-order-initiated-by-a-pisp.md) - [EBA Q&A 2023_6873 — Q&A — PISP payment order cancellation due to fraud prevention \[Final Q&A\]](../level-3/q-and-a/eba/eba-qa-2023-6873-pisp-payment-order-cancellation-due-to-fraud-prevention.md) *** [Title IV — Rights and obligations in relation to the provision and use of payment services](../titles/iv.md) · [← Article 79](79.md) · [Article 81 →](81.md)