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prepared by the European Commission, published in the EBA Q&A tool · not legislation · published 12 Mar 2021 [Final Q&A]","attribution":{"prepared_by":"European Commission","published_by":"EBA","published_in":"EBA Single Rulebook Q&A tool","document_type":"qa_answer","legal_nature":"not_legislation","addressees":"not stated in the document","dates":{"published_on":"2021-03-12","question_submitted_on":"2019-06-19","locators":{"published_on":"EBA Q&A register entry 2019_4794, field 'Final publishing date'","question_submitted_on":"EBA Q&A register entry 2019_4794, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4794","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2019-4794-consumer-mandate-under-merchant-initiated-transactions.md","body_sha256":"7a1f4821a1ffcca88a0ff193b14d508eb3c7de3caff0d56d34397fe747b452a0"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2019_4794 — Q&A — Consumer mandate under Merchant Initiated Transactions [Final Q&A]\"\nshortTitle: \"EBA Q&A 2019_4794 — Q&A — Consumer mandate under Merchant Initiated Transactions [Final Q&A]\"\nanswer_id: EBA_QA_2019_4794\nstatus: \"Final Q&A\"\ntype: qa\ninstrument_type: qa\nauthority: EBA\nbinding: false\nbinding_character: non_binding\nlegal_status: in_force\nregulation: \"PSD2\"\npsd2_level3: true\nmica_level2: false\nlegal_basis: \"Article 97 PSD2\"\ndate: 12 March 2021\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4794\nlifecycle: \"Final Q&A\"\ntext_version: \"EBA Q&A register, 12 March 2021\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4794\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the EBA publication\"\nsource:\n  prepared_by: \"European Commission\"\n  published_by: \"EBA\"\n  published_in: \"EBA Single Rulebook Q&A tool\"\n  evidence:\n    prepared_by: \"Answer prepared by the European Commission because it is a matter of interpretation of Union law.\"\n    locator: \"EBA Q&A register entry 2019_4794, field 'Answer prepared by'\"\ndocument_type: \"qa_answer\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2021-03-12\"\n  question_submitted_on: \"2019-06-19\"\n  locators:\n    published_on: \"EBA Q&A register entry 2019_4794, field 'Final publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2019_4794, field 'Submission date'\"\nlifecycle_label: \"Final Q&A\"\n---\n\n**Answer prepared by the European Commission, published in the EBA Q&A tool · not legislation · published 12 Mar 2021 [Final Q&A]**\n\n*Final Q&A · EBA Q&A register, 12 March 2021 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4794)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2019_4794 — Q&A — Consumer mandate under Merchant Initiated Transactions \\[Final Q&A\\] |\n| **Prepared by** | European Commission |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2019_4794 |\n| **Document type** | Q&A |\n| **Legal nature** | Not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 12 March 2021; question submitted 19 June 2019 |\n| **Legal basis** | Article 97 PSD2 |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the EBA publication |\n\n**Consumer mandate under Merchant Initiated Transactions**\n\n### Question\n\nTerms and Conditions to outline future charges (under Merchant Initiated Transactions (MITs)) may be disclosed by the booking entity (such as online travel agent or brand/hotel group) instead of the hotel merchant. Does the consumer acknowledgement of these terms through a party other than the merchant (in this case, the hotel) meet the MIT requirement? Will the merchant in this situation continue to be the hotel, instead of the intermediary?\n\n### Background\n\nIn the hotel sector, payments are often not completed or able to be completed at the time of the reservation with credit card details taken only as a guarantee of future payment. At the time of booking, the customer will be asked to agree to the booking Terms and Conditions which protects the interests of all parties involved; the guest, the booking agent and the hotel. Given the high degree of intermediation in the hotel industry, bookings are often concluded by an intermediary (such as a brand/hotel group or an Online Travel Agent), who will ask the customer to agree to the hotel’s booking policy on the involved party’s behalf. Accepting the T&Cs should be considered an affirmative act, providing a “customer mandate” as mentioned in the Merchant Initiated Transaction Exemption –which should not be dependent on potential parties involved in completing the booking on the hotel’s behalf.\n\n***\n\n### Answer\n\nQ&A 2019\\_4791 clarifies that where payment card details are taken as a guarantee at the time of making a reservation, in order for potential further payments initiated by the payee (the hotel) to be considered as payee-initiated transactions, strong customer authentication (SCA) would need to be applied when providing the mandate and the all other conditions in Q&A 2018\\_4031 should be met.\n\nDirective 2015/2366/EU (PSD2) does not exclude a situation where a mandate of the payer to the payee to initiate a payment transaction, is provided through a remote channel to an intermediary, who is acting on behalf of the payee on the basis of a contractual agreement between the payee and that intermediary, provided that the name of the payee is specified in the mandate. In this case, the payer should also be made aware that the intermediary is acting on behalf of the payee.\n\nDisclaimer:\n\nThe answers clarify provisions already contained in the applicable legislation. They do not extend in any way the rights and obligations deriving from such legislation nor do they introduce any additional requirements for the concerned operators and competent authorities. The answers are merely intended to assist natural or legal persons, including competent authorities and Union institutions and bodies in clarifying the application or implementation of the relevant legal provisions. Only the Court of Justice of the European Union is competent to authoritatively interpret Union law. The views expressed in the internal Commission Decision cannot prejudge the position that the European Commission might take before the Union and national courts.\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4794)\n\n## Related Level 1 articles\n\n- [Article 97 — Authentication](../../../articles/97.md)\n"}