> For the complete documentation index, see [llms.txt](https://www.headlesslaw.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.headlesslaw.com/psd2/titles/iv.md).

# Title IV — Rights and obligations in relation to the provision and use of payment services

Articles 61–103 of Directive (EU) 2015/2366 (PSD2).

### Chapter 1 — Common provisions

* [Article 61 — Scope](/psd2/articles/61.md)
* [Article 62 — Charges applicable](/psd2/articles/62.md)
* [Article 63 — Derogation for low value payment instruments and electronic money](/psd2/articles/63.md)

### Chapter 2 — Authorisation of payment transactions

* [Article 64 — Consent and withdrawal of consent](/psd2/articles/64.md)
* [Article 65 — Confirmation on the availability of funds](/psd2/articles/65.md)
* [Article 66 — Rules on access to payment account in the case of payment initiation services](/psd2/articles/66.md)
* [Article 67 — Rules on access to and use of payment account information in the case of account information services](/psd2/articles/67.md)
* [Article 68 — Limits of the use of the payment instrument and of the access to payment accounts by payment service providers](/psd2/articles/68.md)
* [Article 69 — Obligations of the payment service user in relation to payment instruments and personalised security credentials](/psd2/articles/69.md)
* [Article 70 — Obligations of the payment service provider in relation to payment instruments](/psd2/articles/70.md)
* [Article 71 — Notification and rectification of unauthorised or incorrectly executed payment transactions](/psd2/articles/71.md)
* [Article 72 — Evidence on authentication and execution of payment transactions](/psd2/articles/72.md)
* [Article 73 — Payment service provider’s liability for unauthorised payment transactions](/psd2/articles/73.md)
* [Article 74 — Payer’s liability for unauthorised payment transactions](/psd2/articles/74.md)
* [Article 75 — Payment transactions where the transaction amount is not known in advance](/psd2/articles/75.md)
* [Article 76 — Refunds for payment transactions initiated by or through a payee](/psd2/articles/76.md)
* [Article 77 — Requests for refunds for payment transactions initiated by or through a payee](/psd2/articles/77.md)

### Chapter 3 — Execution of payment transactions

#### Section 1 — Payment orders and amounts transferred

* [Article 78 — Receipt of payment orders](/psd2/articles/78.md)
* [Article 79 — Refusal of payment orders](/psd2/articles/79.md)
* [Article 80 — Irrevocability of a payment order](/psd2/articles/80.md)
* [Article 81 — Amounts transferred and amounts received](/psd2/articles/81.md)

#### Section 2 — Execution time and value date

* [Article 82 — Scope](/psd2/articles/82.md)
* [Article 83 — Payment transactions to a payment account](/psd2/articles/83.md)
* [Article 84 — Absence of payee’s payment account with the payment service provider](/psd2/articles/84.md)
* [Article 85 — Cash placed on a payment account](/psd2/articles/85.md)
* [Article 86 — National payment transactions](/psd2/articles/86.md)
* [Article 87 — Value date and availability of funds](/psd2/articles/87.md)

#### Section 3 — Liability

* [Article 88 — Incorrect unique identifiers](/psd2/articles/88.md)
* [Article 89 — Payment service providers’ liability for non-execution, defective or late execution of payment transactions](/psd2/articles/89.md)
* [Article 90 — Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions](/psd2/articles/90.md)
* [Article 91 — Additional financial compensation](/psd2/articles/91.md)
* [Article 92 — Right of recourse](/psd2/articles/92.md)
* [Article 93 — Abnormal and unforeseeable circumstances](/psd2/articles/93.md)

### Chapter 4 — Data protection

* [Article 94 — Data protection](/psd2/articles/94.md)

### Chapter 5 — Operational and security risks and authentication

* [Article 95 — Management of operational and security risks](/psd2/articles/95.md)
* [Article 96 — Incident reporting](/psd2/articles/96.md)
* [Article 97 — Authentication](/psd2/articles/97.md)
* [Article 98 — Regulatory technical standards on authentication and communication](/psd2/articles/98.md)

### Chapter 6 — ADR procedures for the settlement of disputes

#### Section 1 — Complaint procedures

* [Article 99 — Complaints](/psd2/articles/99.md)
* [Article 100 — Competent authorities](/psd2/articles/100.md)

#### Section 2 — ADR procedures and penalties

* [Article 101 — Dispute resolution](/psd2/articles/101.md)
* [Article 102 — ADR procedures](/psd2/articles/102.md)
* [Article 103 — Penalties](/psd2/articles/103.md)