Recital 1

In recent years, significant progress has been achieved in integrating retail payments in the Union, in particular in the context of the Union acts on payments, in particular through Directive 2007/64/EC of the European Parliament and of the Council, Regulation (EC) No 924/2009 of the European Parliament and of the Council, Directive 2009/110/EC of the European Parliament and of the Council, and Regulation (EU) No 260/2012 of the European Parliament and of the Council. Directive 2011/83/EU of the European Parliament and of the Council has further complemented the legal framework for payment services by setting a specific limit on the ability of retailers to surcharge their customers for the use of a given means of payment.