--- title: "Article 11 — Detection of missing information on the payer or the payee" type: regulation shortTitle: "Article 11 — Detection of missing information on the payer or the payee" instrument_type: level1_regulation authority: "Parliament and Council" binding: true binding_character: binding legal_status: in_force mica_level2: false legal_basis: "Regulation (EU) 2023/1113" regulation: ToFR article: "11" status: In Force date: 31 May 2023 application_date: 30 December 2024 source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32023R1113 text_version: "Regulation (EU) 2023/1113, OJ L 150, 9.6.2023" source_url: "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng" check_status: matched verified: true last_checked: 2026-11-09 --- *In force · Regulation (EU) 2023/1113, OJ L 150, 9.6.2023 · Verified 9 Nov 2026 · [Official source](https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng)* 1. The [intermediary payment service provider](https://www.headlesslaw.com/definitions/tofr/intermediary-payment-service-provider) shall implement effective procedures to detect whether the fields relating to the information on the [payer](https://www.headlesslaw.com/definitions/tofr/payer) and the [payee](https://www.headlesslaw.com/definitions/tofr/payee) in the messaging or payment and settlement system used to effect the [transfer of funds](https://www.headlesslaw.com/definitions/tofr/transfer-of-funds) have been filled in using characters or inputs admissible in accordance with the conventions of that system. 2. The [intermediary payment service provider](https://www.headlesslaw.com/definitions/tofr/intermediary-payment-service-provider) shall implement effective procedures, including, where appropriate, monitoring after or during the transfers, in order to detect whether the following information on the [payer](https://www.headlesslaw.com/definitions/tofr/payer) or the [payee](https://www.headlesslaw.com/definitions/tofr/payee) is missing: **(a)** for transfers of [funds](https://www.headlesslaw.com/definitions/tofr/funds) where the [payment service providers](https://www.headlesslaw.com/definitions/tofr/payment-service-provider) of the payer and the payee are established in the Union, the information referred to in Article 5; **(b)** for transfers of [funds](https://www.headlesslaw.com/definitions/tofr/funds) where the payment service provider of the payer or of the payee is established outside the Union, the information referred to in Article 4(1), points (a), (b) and (c), and Article 4(2), points (a) and (b); **(c)** for [batch file transfers](https://www.headlesslaw.com/definitions/tofr/batch-file-transfer) where the payment service provider of the payer or of the payee is established outside the Union, the information referred to in Article 4(1), points (a), (b) and (c), and Article 4(2), points (a) and (b), in respect of that batch file transfer. *** [Chapter II — Obligations on payment service providers](../chapters/ii.md) › Section 3 — Obligations on intermediary payment service providers · [← Article 10](10.md) · [Article 12 →](12.md)