{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"full","held_since":"2015-12-23","gaps":[],"covered":["PSD2 L1"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","release_published":"2026-11-01T16:41:30Z","checked_at":"2026-10-26","checked_against":"EUR-Lex"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/recitals/78","url":"https://www.headlesslaw.com/psd2/recitals/78","title":"Recital 78","family":"l1_recital_view","work_id":"psd2","view_of":"/psd2/recitals","status":"in_force","force_status":"in_force","date_state":"current","requested_date":null,"as_of":"2026-11-01","applies_from":null,"application":null,"version_label":"Directive (EU) 2015/2366, OJ L 337, 23.12.2015","check":{"against":"EUR-Lex","on":"2026-10-26"},"check_result":"matched","official_url":"https://eur-lex.europa.eu/eli/dir/2015/2366/oj/eng","valid_from":"2015-12-23","valid_until":null,"content_id":"5cdbede6eddbedab","versions":["2015-12-23"],"version_url":"https://www.headlesslaw.com/psd2/recitals/78/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/recitals/78/versions/2015-12-23/rev/5cdbede6eddbedab","versions_url":"https://www.headlesslaw.com/psd2/recitals/78/versions","relations_url":"https://www.headlesslaw.com/psd2/recitals/78/relations","act_url":"https://www.headlesslaw.com/psd2/recitals","source_line":null,"attribution":null,"context":{"act":{"work_id":"psd2","path":"/psd2/recitals","name":"PSD2","number":"Directive (EU) 2015/2366","celex":"32015L2366","title_official":null,"document_date":null},"position":{"kind":"recital","key":"78","index":78,"articles":113,"annexes":0},"prev":{"path":"/psd2/recitals/77","key":"77","title":"Recital 77"},"next":{"path":"/psd2/recitals/79","key":"79","title":"Recital 79"},"act_anchor":""}},"provenance":{"official_url":"https://eur-lex.europa.eu/eli/dir/2015/2366/oj/eng","check":{"result":"matched","checked_at":"2026-10-26","against":"EUR-Lex"},"repo_path":"spaces/psd2/recitals.md","unit_text_sha256":"23966e3ba9d29d96cdae2b9c434e76ccc1675e4afb704997f847d8499d9d1f8b","note":"the unit is a byte-exact part of the act page, whose check record covers it"},"unit":{"locator":"psd2/recitals/rec/78","kind":"recital","key":"78","heading":"","text":"In view of the speed with which modern fully automated payment systems process payment transactions, which means that after a certain point in time payment orders cannot be revoked without high manual intervention costs, it is necessary to specify a clear deadline for payment revocations. However, depending on the type of the payment service and the payment order, it should be possible to vary the deadline for payment revocations by agreement between the parties. Revocation, in that context, should apply only to the relationship between a payment service user and a payment service provider, thus being without prejudice to the irrevocability and finality of payment transactions in payment systems.","marks":[],"text_hash":"23966e3ba9d29d96cdae2b9c434e76ccc1675e4afb704997f847d8499d9d1f8b","revision":1,"blocks":[{"locator":"psd2/recitals/rec/78/block/1","text_hash":"23966e3ba9d29d96cdae2b9c434e76ccc1675e4afb704997f847d8499d9d1f8b","revision":1}]}}