Obwieszczenie Marszałka Sejmu Rzeczypospolitej Polskiej z dnia 17 września 2021 r. w sprawie ogłoszenia jednolitego tekstu ustawy o usługach płatniczych — Part 1 | Dz.U. 2021 poz. 1907 — Poland law | Esheria

Obwieszczenie Marszałka Sejmu Rzeczypospolitej Polskiej z dnia 17 września 2021 r. w sprawie ogłoszenia jednolitego tekstu ustawy o usługach płatniczych

Part 1 of 2 · provisions 1–200

This notice announces the consolidated text of the Payment Services Act.

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Jurisdiction
Poland
Instrument
Notice
Citation
Dz.U. 2021 poz. 1907
Status
Expired
Version
Undated source snapshot
Language
pl
Updated
Official source
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account activity in host state account information services credit unions criminal provisions electronic money institutions electronic money register financial management foreign branches information obligations own funds payment initiation services payment institutions payment schemes payment services payment transactions payments service security settlement timing small payment institutions transaction authorization

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Statute overview

About this statute

This notice announces the consolidated text of the Payment Services Act. Article 13 is shown only as numbering fragments, with no substantive rule text visible. This extract only shows the Article 9 heading and numbering, with no substantive rule text. This article says the law implements EU Directive 2007/64/WE on payment services. Article 1 is presented as a numbered structure, but the extracted text does not state any substantive rule.

Legal text

Provisions of Obwieszczenie Marszałka Sejmu Rzeczypospolitej Polskiej z dnia 17 września 2021 r. w sprawie ogłoszenia jednolitego tekstu ustawy o usługach płatniczych

Showing 200 of 311

Part preamble

Preamble

  1. preamble

    AI-assisted research summary: This notice announces the consolidated text of the Payment Services Act.

    Obwieszczenie Marszałka Sejmu Rzeczypospolitej Polskiejz dnia 17 września 2021 r.w sprawie ogłoszenia jednolitego tekstu ustawy o usługach płatniczych Spis treści Treść obwieszczenia 1. 1) 2) 3) 2. 1)
  1. 13

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    Art. 13. 1) 2) 3) 2) 1) a) b) 2)
  2. 9

    AI-assisted research summary: This extract only shows the Article 9 heading and numbering, with no substantive rule text.

    Art. 9. 1) 2) 3) 4) 3) 1) 2) 3)
  3. 46

    AI-assisted research summary: This article says the law implements EU Directive 2007/64/WE on payment services.

    Art. 46. 1) 2) 3) 4) Załącznik - Tekst jednolity ustawy z dnia 19 sierpnia 2011 r. o usługach płatniczych1)Niniejsza ustawa w zakresie swojej regulacji wdraża dyrektywę 2007/64/WE Parlamentu Europejskiego i Rady z dnia 13 listopada 2007 r. w sprawie usług płatniczych w ramach rynku wewnętrznego zmieniającą dyrektywy 97/7/WE, 2002/65/WE, 2005/60/WE i 2006/48/WE i uchylającą dyrektywę 97/5/WE (Dz. Urz. UE L 319 z 05.12.2007, str. 1, z późn. zm.). Dział I Przepisy ogólne
  4. 1

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    Art. 1. 1. 1) 2) 2a) 3) 4) 5) 2. 1) 2) 3)
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    Art. 2. 1) 1a) 1b) 2) 2a) 3) 4) 4a) 4b) 4c) 4d) 4e) 4f) 5) 6) 7) a) b) c) 8) 9) 9a) 9aa) 9b) 9c) 9d) 10) 10a) 11) 12) 13) 14) 15) 15a) 15aa) 15ab) 15b) 16) 16a) 16b) 17) 17a) 17b) 17c) 18) 19) 19a) 19ab) 19b) 19c) 20) 21) 21a) 22) 22a) 23) 24) 24a) a) b) c) 24b) 25) 25a) 26) 26a) 26aa) a) b) c) 26b) 26c) 27) 27a) 27b) 28) 29) 29a) 30) 31) 31a) 32) 33) 33a) 33b) 34) 35) 35a) 35b) 35c) 36) 37) a) b) c)
  6. 3

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  7. 4

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    Art. 4. 1. 2. 1) 2) 3) 4) 5) 6) 7) 8) 9) 10) 11) 12) 2a. 2b. 1) 2) 3) 3. 4. 5. 1) 2) 3) 6. 7. 8.
  8. 4a

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  20. 10a

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  22. 12

    AI-assisted research summary: The excerpt shown does not state a substantive rule; it mainly lists paragraph/item numbering and an amendment note.

    Art. 12. 1. 1) 2) 3) 3a) 3b) 4) 5) 6) 75)Dodany przez art. 5 ustawy z dnia 17 września 2020 r. o zmianie ustawy o szczególnych rozwiązaniach związanych z zapobieganiem, przeciwdziałaniem i zwalczaniem COVID-19, innych chorób zakaźnych oraz wywołanych nimi sytuacji kryzysowych oraz niektórych innych ustaw (Dz. U. poz. 1639), która weszła w życie z dniem 1 października 2020 r.) 2.
  23. 12a

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  24. 13

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  25. 14

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  26. 14a

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  27. 14b

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  28. 14c

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  29. 14d

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  30. 14e

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  31. 14f

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  32. 14g

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  33. 14h

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  34. 15

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  35. 15a

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  36. 15b

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  37. 15c

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  38. 15d

    AI-assisted research summary: This provision is a heading for general rules on information obligations in payment services.

    Art. 15d. Dział II Obowiązki informacyjne w zakresie świadczenia usług płatniczych Rozdział 1 Przepisy ogólne
  39. 16

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  40. 17

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  41. 18

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  43. 20

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  45. 20b

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  46. 20c

    AI-assisted research summary: This snippet is mainly an amendment note for Art. 20c, saying it was added by a 21 January 2021 act and entered into force on 13 March 2021.

    Art. 20c. Art. 20d8)Dodany przez art. 4 ustawy z dnia 21 stycznia 2021 r. o zmianie ustawy o obrocie instrumentami finansowymi oraz niektórych innych ustaw (Dz. U. poz. 355), która wejdzie w życie z dniem 1 stycznia 2022 r.; wszedł w życie z dniem 13 marca 2021 r.. 1. 2. 1) 2) a) b) 3. Rozdział 2 Pojedyncze transakcje płatnicze
  47. 21

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  48. 22

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  49. 23

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  50. 24

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  51. 25

    AI-assisted research summary: This text only shows Article 25 and the heading for Chapter 3 on a framework agreement for a payment service; it does not state a rule.

    Art. 25. 1) 2) 3) 4) 5) Rozdział 3 Umowa ramowa o usługę płatniczą
  52. 26

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  53. 27

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  54. 28

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  56. 30

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  59. 32a

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  60. 32b

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  61. 32c

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  62. 32d

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  63. 32e

    AI-assisted research summary: Article 32e concerns the security of payment service provision.

    Art. 32e. Dział IIA Bezpieczeństwo świadczenia usług płatniczych
  64. 32f

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  65. 32g

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  66. 32h

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  67. 32i

    AI-assisted research summary: This excerpt shows only the article heading and section markers, without any substantive rule text.

    Art. 32i. 1. 1) 2) 3) 2. 3. 4. 5. 6. Dział III Prawa i obowiązki w zakresie dostarczania usług płatniczych i korzystania z nich Rozdział 1 Przepisy ogólne
  68. 33

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  69. 34

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  70. 34a

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  71. 34b

    AI-assisted research summary: Art. 34b. Art. 34c10)Dodany przez art. 17 ustawy z dnia 8 lipca 2021 r. o zmianie ustawy o Bankowym Funduszu Gwarancyjnym, systemie gwarantowania depozytów oraz przymusowej restrukturyzacji oraz niektórych innych ustaw (Dz. U. poz. 1598),

    Art. 34b. Art. 34c10)Dodany przez art. 17 ustawy z dnia 8 lipca 2021 r. o zmianie ustawy o Bankowym Funduszu Gwarancyjnym, systemie gwarantowania depozytów oraz przymusowej restrukturyzacji oraz niektórych innych ustaw (Dz. U. poz. 1598), która weszła w życie z dniem 15 września 2021 r.. 1. 1) 2) 2. 3. 4.
  72. 35

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  73. 36

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  74. 37

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  75. 37a

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  76. 38

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  77. 38a

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  78. 39

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  79. 39a

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  80. 39b

    AI-assisted research summary: This provision identifies Chapter 2 as dealing with authorization of payment transactions.

    Art. 39b. Rozdział 2 Autoryzacja transakcji płatniczych
  81. 40

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  82. 41

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  83. 42

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  84. 43

    AI-assisted research summary: Article 43 contains only a numbered list and subpoints (1–5, including 4a) in the provided text; no substantive rule is stated here.

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  85. 44

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  86. 45

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  87. 46

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    Art. 46. 1. 1a. 1b. 1c. 2. 1) 2) 2a. 1) 2) 3. 4. 4a. 5. 6.
  88. 47

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    Art. 47. 1. 1) 2) 2. 3. 4. 5. 6. 1) 2)
  89. 48

    AI-assisted research summary: Article 48 appears only as a heading for Chapter 3 on payment orders and payment transaction amounts.

    Art. 48. 1. 2. 3. Rozdział 3 Zlecenia płatnicze i kwoty transakcji płatniczych
  90. 49

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  91. 49a

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  92. 49b

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  93. 50

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  94. 51

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  95. 52

    AI-assisted research summary: This provision appears to introduce rules on the time for executing a payment transaction and the value date.

    Art. 52. 1. 2. 3. 4. 5. Rozdział 4 Czas wykonania transakcji płatniczej i data waluty
  96. 53

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  97. 54

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  98. 55

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  99. 55a

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  100. 55b

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  101. 56

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  102. 57

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  103. 58

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  104. 59

    AI-assisted research summary: Section heading for Article 59 in Chapter 5 on payment cards.

    Art. 59. 1. 2. 1) 2) 2a. 3. 4. Rozdział 5 Karty płatnicze
  105. 59a

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  106. 59b

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  107. 59c

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  108. 59d

    AI-assisted research summary: This provision is a chapter heading on the rights and obligations of the merchant and the acquiring agent.

    Art. 59d. 1. 2. 3. Rozdział 6 Prawa i obowiązki akceptanta i agenta rozliczeniowego
  109. 59e

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  110. 59f

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  111. 59g

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  112. 59h

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  113. 59i

    AI-assisted research summary: This text contains section and article headings for basic payment account access, payment account switching, and issuing and redeeming electronic money, but no operative rule text is shown.

    Art. 59i. Rozdział 7 Dostęp do podstawowego rachunku płatniczego Art. 59ia. 1. 2. 3. 1) 2) 3) 4. 5. 6. Art. 59ib. Art. 59ic. 1. 2. 3. 4. 5. 6. 1) 2) 3) 7. 1) 2) 3) 4) 5) 6) 7) 8. 9. Art. 59id. Art. 59ie. 1. 2. 3. 4. 5. Art. 59if. Art. 59ig. 1. 1) 2) 3) 4) 5) 6) 2. 3. 4. 5. Art. 59ih. 1. 2. 3. Rozdział 8 Przeniesienie rachunku płatniczego Art. 59ii. Art. 59ij. 1. 1) 2) 3) 2. Art. 59ik. 1. 2. 1) 2) 3) 4) 5) 6) 3. Art. 59il. 1. 2. 3. 1) 2) 4. Art. 59im. 1. 1) 2) 3) 4) 5) 6) 2. 3. 1) 2) 3) 4) 5) 4. 5. 6. 1) 2) 3) 4) 5) 7. 8. 9. Art. 59in. 1. 1) 2) 3) 2. Art. 59io. 1) 2) 3) 4) 5) 6) 7) 8) 9) 10) Art. 59ip. 1. 2. Art. 59iq. 1. 2. Art. 59ir. Art. 59is. 1. 2. Art. 59it. 1. 2. 3. 4. Dział IIIA Wydawanie i wykup pieniądza elektronicznego
  114. 59j

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  115. 59k

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  116. 59l

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  117. 59m

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    Art. 59m. 1. 1) 2) 2. 3.
  118. 59n

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  119. 59o

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  120. 59p

    AI-assisted research summary: This article concerns payment initiation services and account information services.

    Art. 59p. Dział IIIB Świadczenie usług inicjowania transakcji płatniczych i usług dostępu do informacji o rachunku
  121. 59q

    AI-assisted research summary: The text only shows article numbering and subsections, without a substantive rule.

    Art. 59q. 1. 1) 2) 3) a) b) 2.
  122. 59r

    AI-assisted research summary: The text only shows article numbering fragments and does not provide a substantive rule.

    Art. 59r. 1. 2. 3. 1) 2) 3) 4) 5) 6) 7) 8) 4. 1) 2) 3) 5.
  123. 59s

    AI-assisted research summary: Art. 59s. 1. 2. 1) 2) 3) 4) 5) 6) 3. 1) 2) 4.

    Art. 59s. 1. 2. 1) 2) 3) 4) 5) 6) 3. 1) 2) 4.
  124. 59t

    AI-assisted research summary: Article 59t is a heading for provisions on national payment institutions and their starting and carrying on business.

    Art. 59t. Dział IV Krajowe instytucje płatnicze Rozdział 1 Podejmowanie i prowadzenie działalności przez krajowe instytucje płatnicze
  125. 60

    AI-assisted research summary: Art. 60. 1. 2. 3.

    Art. 60. 1. 2. 3.
  126. 61

    AI-assisted research summary: Article 61 is shown only as a numbered outline; the substantive rule text is not included in the provided source text.

    Art. 61. 1. 1) 2) 3) 4) 5) 6) 6a) 7) 8) a) b) 9) a) b) c) 10) a) b) c) 11) 2. 3.
  127. 61a

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    Art. 61a. 1. 2.
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    AI-assisted research summary: Article 61b contains only numbering and no substantive rule in the provided text.

    Art. 61b. 1. 2. 3. 4. 5.
  129. 62

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  130. 63

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  131. 64

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    Art. 64. 1. 1) a) b) c) 2) 3) 4) 5) 6) 7) 8) 9) 10) 2. 3.
  132. 64a

    AI-assisted research summary: The text only shows the article number and section numbering; it does not state any substantive rule.

    Art. 64a. 1. 1) a) b) 2) a) b) 3) a) b) 4) a) b) c) d) e) f) g) h) 2. 3. 3a. 4. 5.
  133. 65

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  134. 66

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  135. 67

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  136. 68

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    Art. 68. 1. 2. 1) 2) 3. 4. 5. 6. 7. 1) 2) 8. 9. 1) 2) 10. 11.
  137. 68a

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    AI-assisted research summary: The excerpt shows Article 69 and numbering, but no substantive rule text is included here.

    Art. 69. 1. 1) 2) 3) 4) 5) 6) 7) 8) 9) 2. 3.
  139. 70

    AI-assisted research summary: Article 70 is shown here only with numbering markers; no substantive rule is stated in the supplied text.

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  140. 71

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    Art. 72.
  142. 72a

    AI-assisted research summary: The provided text contains only Article 72a numbering fragments and does not state a substantive rule.

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  143. 72b

    AI-assisted research summary: Article 72b is presented here only as a numbered outline with no substantive rule text in the provided source.

    Art. 72b. 1. 1) a) b) c) 2) 3) 4) 5) 6) 7) 8) 9) 2. 3.
  144. 72c

    AI-assisted research summary: Art. 72c. 1. 1) 2) 3) 2. 3. 1) 2) 3) 4) 4. 5. 6. 7. 8.

    Art. 72c. 1. 1) 2) 3) 2. 3. 1) 2) 3) 4) 4. 5. 6. 7. 8.
  145. 72d

    AI-assisted research summary: Art. 72d. 1. 2. 3. 4. 5. 6. 7. 8. 9. 1) 2) 10. 11.

    Art. 72d. 1. 2. 3. 4. 5. 6. 7. 8. 9. 1) 2) 10. 11.
  146. 72e

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  147. 73

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    Art. 73.
  148. 73a

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    Art. 73a. 1. 2. 3. 1) 2) 4. 5.
  149. 73b

    AI-assisted research summary: The text shows “Art. 73b” and numbering fragments, but no clear substantive rule is stated.

    Art. 73b. 1. 1) 2) 2.
  150. 73c

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    Art. 73c. 1. 2. 3.
  151. 73d

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  153. 74

    AI-assisted research summary: The provided text for Article 74 consists only of numbering and lettered fragments, without a substantive rule.

    Art. 74. 1. 1) a) b) c) 2) 3) 2. 3. 1) 2)
  154. 75

    AI-assisted research summary: Article 75 is a chapter heading about own funds and financial management of national payment institutions.

    Art. 75. Rozdział 2 Fundusze własne i gospodarka finansowa krajowych instytucji płatniczych
  155. 76

    AI-assisted research summary: Art. 76. 1. 2. 1) 2) 3) 4) 5) 6) 2a. 3. 1) 2) 3) 4) 5) 6) 3a. 4. 1) 2) 5. 6. 7. 1) 2)

    Art. 76. 1. 2. 1) 2) 3) 4) 5) 6) 2a. 3. 1) 2) 3) 4) 5) 6) 3a. 4. 1) 2) 5. 6. 7. 1) 2)
  156. 77

    AI-assisted research summary: Article 77 contains only numbered fragments and does not state a substantive rule in the provided text.

    Art. 77. 1. 1) 2) 2.
  157. 78

    AI-assisted research summary: The provided excerpt is only an article outline and does not state any substantive rule in the text shown.

    Art. 78. 1. 1) 2) a) b) 2. 3. 4. 5. 6. 7. 8. 9. 10.
  158. 79

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    Art. 79.
  159. 80

    AI-assisted research summary: Art. 80. 1. 2. 3. Rozdział 3 Sprawozdawczość krajowych instytucji płatniczych

    Art. 80. 1. 2. 3. Rozdział 3 Sprawozdawczość krajowych instytucji płatniczych
  160. 81

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    Art. 81.
  161. 82

    AI-assisted research summary: This provision is identified as Article 82.

    Art. 82.
  162. 83

    AI-assisted research summary: This provision is a chapter heading about a national payment institution using agents and assigning some operational tasks to other entities.

    Art. 83. 1. 1) 2) 3) 4) 5) 2. 3. Rozdział 4 Korzystanie przez krajową instytucję płatniczą z usług agentów oraz powierzanie wykonywania niektórych czynności operacyjnych innym podmiotom
  163. 84

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    Art. 84. 1. 1a. 2. 3.
  164. 85

    AI-assisted research summary: Article 85 is shown only as a bare outline with no substantive rule text in the provided excerpt.

    Art. 85. 1. 2. 1) 2) 3) 4) 5) 6) 3. 4. 5.
  165. 86

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    Art. 86. 1. 2. 3. 4. 5. 1) 2) 3) 4) 5) 6) 6. 1) 2)
  166. 87

    AI-assisted research summary: Art. 87. 1. 1) 2) 3) 2. 1) 2) 3. 4.

    Art. 87. 1. 1) 2) 3) 2. 1) 2) 3. 4.
  167. 87a

    AI-assisted research summary: Only the article label is provided; no substantive rule text is shown.

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  168. 88

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    Art. 88. 1. 2. 3.
  169. 89

    AI-assisted research summary: Art. 89.

    Art. 89.
  170. 90

    AI-assisted research summary: Article 90 is a heading for rules on how payment institutions and providers of account information access services may carry out activities in the host state.

    Art. 90. Dział V Podejmowanie i prowadzenie przez instytucje płatnicze oraz przez dostawców świadczących wyłącznie usługę dostępu do informacji o rachunku działalności na terytorium państwa goszczącego
  171. 91

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  172. 92

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    Art. 92. 1. 1a. 2. 1) 2) 3) 4) 5) 6) 7) 8) 3. 4. 5. 1) 2) 3) 4) 6.
  173. 93

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    Art. 93. 1. 1) 2) 2. 3. 4. 5.
  174. 94

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  175. 94a

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  176. 95

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  177. 96

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  178. 97

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  179. 98

    AI-assisted research summary: Article 98 is identified here, but no substantive rule text is provided.

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  180. 98a

    AI-assisted research summary: Article 98a.

    Art. 98a.
  181. 98b

    AI-assisted research summary: Article 98b is a heading for supervision over domestic payment institutions and the activity of EU payment institutions in Poland.

    Art. 98b. 1. 2. 3. Dział VI Nadzór nad krajowymi instytucjami płatniczymi oraz działalnością unijnych instytucji płatniczych na terytorium Rzeczypospolitej Polskiej
  182. 99

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  183. 100

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    Art. 102. 1. 1) 2) 3) a) b) c) d) e) 4) 5) 2. 3.
  186. 103

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  187. 104

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  188. 105

    AI-assisted research summary: The provided text for Article 105 contains only numbering and no operative rule.

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  189. 105a

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    Art. 105a.
  190. 106

    AI-assisted research summary: The excerpt contains only article and paragraph numbering, with no substantive rule stated in the provided text.

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    AI-assisted research summary: Article 107 is listed with numbered paragraphs and subpoints, but no substantive rule text is included in the provided source.

    Art. 107. 1. 1) 2) 2. 3. 4. 1) 2) 5. 6. 6a. 6b. 7. 8.
  192. 108

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  193. 109

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  195. 111

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  198. 114

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    Art. 114. 1. 1) 2) 2. 3. 4.
  199. 115

    AI-assisted research summary: Article 115 is listed in the source text, with numbered points 1), 2), and 3).

    Art. 115. 1) 2) 3)

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