2026-07-17-CJEU: definicja usługi płatniczej w PSD2

2026-07-17 \ Trybunał Sprawiedliwości Unii Europejskiej \ CJEU judgment on the definition of „payment service” under PSD2 – Betaal Garant Nederland (przejdź do treści źródłowej)

On 16 July 2026 Court of Justice of the European Union issued its judgment in Case C-51/25 (Betaal Garant Nederland CV). The Court ruled that Article 4(3) of the PSD2 read in conjunction with point 3(c) of Annex I to PSD2 must be interpreted as meaning that a service of receipt and forwarding of funds provided by an entity acting as an intermediary does not constitute a ‘payment service’, within the meaning of Article 4(3), and more specifically a ‘credit transfer’, where, in the context of an agreement concluded with a client and a contractor, that entity receives the client’s funds into the payment account of a foundation which is linked to it and then transfers them to the contractor from that account, with the client’s consent.

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