{"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/84","url":"https://www.headlesslaw.com/psd2/recitals/84","title":"Recital 84","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":"0998be982cf1155e","versions":["2015-12-23"],"version_url":"https://www.headlesslaw.com/psd2/recitals/84/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/recitals/84/versions/2015-12-23/rev/0998be982cf1155e","versions_url":"https://www.headlesslaw.com/psd2/recitals/84/versions","relations_url":"https://www.headlesslaw.com/psd2/recitals/84/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":"84","index":84,"articles":113,"annexes":0},"prev":{"path":"/psd2/recitals/83","key":"83","title":"Recital 83"},"next":{"path":"/psd2/recitals/85","key":"85","title":"Recital 85"},"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":"b1c8b470c4467aa673019b1c82c13e1ebbf086924c22f4fa398c73e530a1a5a2","note":"the unit is a byte-exact part of the act page, whose check record covers it"},"unit":{"locator":"psd2/recitals/rec/84","kind":"recital","key":"84","heading":"","text":"In order to strengthen the trust of consumers in a harmonised payment market, it is essential for payment service users to know the real costs and charges of payment services in order to make their choice. Accordingly, the use of non-transparent pricing methods should be prohibited, since it is commonly accepted that those methods make it extremely difficult for users to establish the real price of the payment service. Specifically, the use of value dating to the disadvantage of the user should not be permitted.","marks":[],"text_hash":"b1c8b470c4467aa673019b1c82c13e1ebbf086924c22f4fa398c73e530a1a5a2","revision":1,"blocks":[{"locator":"psd2/recitals/rec/84/block/1","text_hash":"b1c8b470c4467aa673019b1c82c13e1ebbf086924c22f4fa398c73e530a1a5a2","revision":1}]}}