{"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/84","url":"https://www.headlesslaw.com/psd2/articles/84","title":"Article 84 — Absence of payee’s payment account with the payment service provider","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":"640cd7d7c505f0c2","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/84/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/articles/84/versions/2015-12-23/rev/640cd7d7c505f0c2","versions_url":"https://www.headlesslaw.com/psd2/articles/84/versions","relations_url":"https://www.headlesslaw.com/psd2/articles/84/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":"3ebfa9c57d9ab3a6b51f6c689905fd17bfea819f0239b5bfa3f60153f6c8c2e4","markdown_sha256":"925ce652ccb6a579ae05f256c7000bce7c6cb35da748ea87b14814b48da31fbb"},"units":[{"locator":"psd2/art/84","kind":"article","status":"in_force","label":null,"heading":"Absence of payee’s payment account with the payment service provider","text":"","marks":[],"revision":1,"text_hash":"e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855","reason":null},{"locator":"psd2/art/84/subpara/1","kind":"subparagraph","status":"in_force","label":null,"heading":null,"text":"Where the payee does not have a payment account with the payment service provider, the funds shall be made available to the payee by the payment service provider who receives the funds for the payee within the time limit laid down in Article 83.","marks":[],"revision":1,"text_hash":"a6504df8c5fe4cb30bb3982a18f709c53f3455175f3d83065019f6e59fa39de9","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\nWhere the payee does not have a payment account with the payment service provider, the funds shall be made available to the payee by the payment service provider who receives the funds for the payee within the time limit laid down in [Article 83](83.md).\n\n***\n\n[Title IV — Rights and obligations in relation to the provision and use of payment services](../titles/iv.md) · [← Article 83](83.md) · [Article 85 →](85.md)\n"}