Information to be provided by the PISP to the payer prior to the initiation of the transaction

The information to be provided, within the meaning of Article 45(2) of Directive (EU) 2015/2366 (PSD2) read in conjunction with Article 44 PSD2, can be provided by the merchant acting on behalf of the Payment Information Service Provider (PISP), as long as it is provided in an easily accessible manner, as specified in the first sentence of Article 44(1) PSD2. Cases where the provision of information by the payment service provider to the payment service user requires a prior request from the latter are clearly stipulated in PSD2 (cf. Article 44(1), second sentence, Article 53). Article 45(2) PSD2 does not refer to a payer’s prior request. The PISP, or the merchant acting on its behalf, should therefore provide or make available to the payer the information under Article 45(2) PSD2 without being requested to do so by the latter. Disclaimer:   The answers clarify provisions already contained in the applicable legislation. They do not extend in any way the rights and obligations deriving from such legislation nor do they introduce any additional requirements for the concerned operators and competent authorities. The answers are merely intended to assist natural or legal persons, including competent authorities and Union institutions and bodies in clarifying the application or implementation of the relevant legal provisions. Only the Court of Justice of the European Union is competent to authoritatively interpret Union law. The views expressed in the internal Commission Decision cannot prejudge the position that the European Commission might take before the Union and national courts.