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# Article 1 — Criteria for determining when the appointment of a central contact point is appropriate

**Commission Delegated Regulation (EU) 2020/1423 · binding · OJ L 328, 9.10.2020 · dated 14 Mar 2019 [in force]**

*In force · Commission Delegated Regulation (EU) 2020/1423, OJ L 328, 9.10.2020 · Verified 4 Nov 2026 · [Official source](https://eur-lex.europa.eu/eli/reg_del/2020/1423/oj/eng)*

For the purposes of Article 29(4) of Directive (EU) 2015/2366, requiring payment institutions to appoint a central contact point shall only be considered appropriate where one or more of the following criteria is met:

<a id="art-1-p-a"></a>**(a)** the total number of agents through which a payment institution provides any of the payment services referred to in Annex I to Directive (EU) 2015/2366 in a host Member State under the right of establishment is equal to or exceeds 10;

<a id="art-1-p-b"></a>**(b)** the total value of payment transactions, including payment transactions initiated when providing payment initiation services, carried out by a payment institution in the host Member State in the last financial year through agents located in the host Member State and operating under either the right of establishment or the freedom to provide services, exceeds EUR 3 million and the payment institution has engaged at least two of those agents under the right of establishment;

<a id="art-1-p-c"></a>**(c)** the total number of payment transactions carried out by a payment institution in the host Member State in the last financial year through agents located in the host Member State and operating under either the right of establishment or the freedom to provide services, including the number of payment transactions initiated when providing payment initiation services, exceeds 100 000 and the payment institution has engaged at least two of those agents under the right of establishment.