{"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/81","url":"https://www.headlesslaw.com/psd2/recitals/81","title":"Recital 81","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":"72068da8fb57dca0","versions":["2015-12-23"],"version_url":"https://www.headlesslaw.com/psd2/recitals/81/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/recitals/81/versions/2015-12-23/rev/72068da8fb57dca0","versions_url":"https://www.headlesslaw.com/psd2/recitals/81/versions","relations_url":"https://www.headlesslaw.com/psd2/recitals/81/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":"81","index":81,"articles":113,"annexes":0},"prev":{"path":"/psd2/recitals/80","key":"80","title":"Recital 80"},"next":{"path":"/psd2/recitals/82","key":"82","title":"Recital 82"},"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":"24785a921d9f2bb8918d9bba9eee5c15ca39a79cb6dc8c38723bd5de0a67fd79","note":"the unit is a byte-exact part of the act page, whose check record covers it"},"unit":{"locator":"psd2/recitals/rec/81","kind":"recital","key":"81","heading":"","text":"Low-value payment instruments should be a cheap and easy-to-use alternative in the case of low-priced goods and services and should not be overburdened by excessive requirements. The relevant information requirements and rules on their execution should therefore be limited to essential information, also taking into account the technical capabilities that can justifiably be expected from instruments dedicated to low-value payments. Despite the lighter regime, payment service users should have adequate protection, having regard to the limited risks posed by those payment instruments, especially with regard to prepaid payment instruments.","marks":[],"text_hash":"24785a921d9f2bb8918d9bba9eee5c15ca39a79cb6dc8c38723bd5de0a67fd79","revision":1,"blocks":[{"locator":"psd2/recitals/rec/81/block/1","text_hash":"24785a921d9f2bb8918d9bba9eee5c15ca39a79cb6dc8c38723bd5de0a67fd79","revision":1}]}}