{"id":371245,"date":"2025-10-09T12:07:32","date_gmt":"2025-10-09T10:07:32","guid":{"rendered":"https:\/\/ga-p.com\/?post_type=publicacion&p=371245"},"modified":"2025-10-09T12:07:34","modified_gmt":"2025-10-09T10:07:34","slug":"payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations","status":"publish","type":"publicacion","link":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/","title":{"rendered":"Payment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations"},"content":{"rendered":"
\n
\n
\n
\n
\n\n

The Court of Justice of the European Union (Fourth Chamber), in its judgment of 1 August 2025, case C-665\/23, IL v. Veracash SAS<\/em>, concludes that a payer is deprived of the right to reimbursement of the amount of an unauthorised transaction if he or she delayed in notifying his or her payment service provider of the unauthorised payment transaction, even though he or she did so within 13 months from the debit date. This interpretation of the Payment Services Directive is applicable in Spain (Art. 43 RDL 19\/2018) and appears to be retained in the future Regulation on payment services.<\/p>\n\n\n\n

\n
\n \"icon\"\n

Download document<\/p>\n<\/div>\n <\/div>\n

\n View document \"icon\"\n <\/a>\n <\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n\n
\n
\n\n\n
\n\n
\n
\n\n
\n
Autor\/s<\/div>\n
\n

\n <\/span>\n Reyes Pal\u00e1<\/span>\n – Academic Counsel<\/span>\n <\/p>\n <\/div>\n <\/div>\n \n \n

\n
Category<\/div>\n

\n <\/span>\n Analysis<\/span>\n <\/p>\n <\/div>\n \n

\n
Areas and sectors<\/div>\n

\n <\/span>\n Banking and Finance<\/a>\n <\/p>\n

\n <\/span>\n Financial Services, Fintech & Insurtech<\/a>\n <\/p>\n <\/div>\n <\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n <\/div>\n\n<\/div>\n\n\n

\n
\n
\n
\n
\n\n
\n\n\n
\n See previous \"icon\"\n <\/a>\n See next \"icon\"\n <\/a>\n <\/div>\n <\/div>\n<\/div>\n<\/div>\n\n\n
\n
<\/div>\n<\/div>\n\n<\/div>\n\n <\/div>\n\n<\/div>\n\n\n\n\n
\n
\n
\n
\n
<\/div>\n <\/div>\n <\/div>\n
\n \n
\n
\n \"Reyes <\/div>\n
\n
Reyes Pal\u00e1<\/div>\n
Consejera Acad\u00e9mica<\/div>\n
\n
\n \"email\"\n\n rpala@ga-p.com<\/a>\n <\/div>\n
\n \n Madrid<\/a>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
\n Banking and Finance, <\/a>\n Capital Markets, <\/a>\n Corporate and M&A<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \"icon\"\n\n \"icon\"\n\n <\/div>\n\n <\/div>\n
\n
\n
\n
\n \n
\n
\n \"Reyes <\/div>\n
\n
Reyes Pal\u00e1<\/div>\n
Consejera Acad\u00e9mica<\/div>\n
\n
\n \"email\"\n\n rpala@ga-p.com<\/a>\n <\/div>\n
\n \n Madrid<\/a>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
\n Banking and Finance, <\/a>\n Capital Markets, <\/a>\n Corporate and M&A<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \"icon\"\n\n \"icon\"\n\n <\/div>\n\n <\/div>\n <\/div>\n <\/div>\n
\n
<\/div>\n
\n
\n
\"icon\"<\/div>\n
\"icon\"<\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n<\/div>\n","protected":false},"excerpt":{"rendered":"

The Court of Justice of the European Union (Fourth Chamber), in its judgment of 1 August 2025, case C-665\/23, IL v. Veracash SAS, concludes that a payer is deprived of the right to reimbursement of the amount of an unauthorised transaction if he or she delayed in notifying his or her payment service provider of the unauthorised payment transaction, even though he or she did so within 13 months from the debit date. This interpretation of the Payment Services Directive is applicable in Spain (Art. 43 RDL 19\/2018) and appears to be retained in the future Regulation on payment services.<\/p>\n","protected":false},"featured_media":322569,"template":"","publicacion_categoria":[126],"class_list":["post-371245","publicacion","type-publicacion","status-publish","has-post-thumbnail","hentry","publicacion_categoria-analysis-en"],"acf":[],"yoast_head":"\nPayment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations - Despacho de abogados G\u00f3mez-Acebo y Pombo<\/title>\n<meta name=\"description\" content=\"The Court of Justice of the European Union (Fourth Chamber), in its judgment of 1 August 2025, case C-665\/23, IL v. Veracash SAS, concludes that a payer is deprived of the right to reimbursement of the amount of an unauthorised transaction if he or she delayed in notifying his or her payment service provider of the unauthorised payment transaction, even though he or she did so within 13 months from the debit date. This interpretation of the Payment Services Directive is applicable in Spain (Art. 43 RDL 19\/2018) and appears to be retained in the future Regulation on payment services.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations - Despacho de abogados G\u00f3mez-Acebo y Pombo\" \/>\n<meta property=\"og:description\" content=\"The Court of Justice of the European Union (Fourth Chamber), in its judgment of 1 August 2025, case C-665\/23, IL v. Veracash SAS, concludes that a payer is deprived of the right to reimbursement of the amount of an unauthorised transaction if he or she delayed in notifying his or her payment service provider of the unauthorised payment transaction, even though he or she did so within 13 months from the debit date. This interpretation of the Payment Services Directive is applicable in Spain (Art. 43 RDL 19\/2018) and appears to be retained in the future Regulation on payment services.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/\" \/>\n<meta property=\"og:site_name\" content=\"Despacho de abogados G\u00f3mez-Acebo y Pombo\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-09T10:07:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ga-p.com\/wp-content\/uploads\/2024\/10\/Analysis.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2500\" \/>\n\t<meta property=\"og:image:height\" content=\"1308\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\\\/\",\"url\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\\\/\",\"name\":\"Payment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations - Despacho de abogados G\u00f3mez-Acebo y Pombo\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ga-p.com\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Analysis.jpg\",\"datePublished\":\"2025-10-09T10:07:32+00:00\",\"dateModified\":\"2025-10-09T10:07:34+00:00\",\"description\":\"The Court of Justice of the European Union (Fourth Chamber), in its judgment of 1 August 2025, case C-665\\\/23, IL v. Veracash SAS, concludes that a payer is deprived of the right to reimbursement of the amount of an unauthorised transaction if he or she delayed in notifying his or her payment service provider of the unauthorised payment transaction, even though he or she did so within 13 months from the debit date. This interpretation of the Payment Services Directive is applicable in Spain (Art. 43 RDL 19\\\/2018) and appears to be retained in the future Regulation on payment services.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\\\/#primaryimage\",\"url\":\"https:\\\/\\\/ga-p.com\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Analysis.jpg\",\"contentUrl\":\"https:\\\/\\\/ga-p.com\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Analysis.jpg\",\"width\":2500,\"height\":1308},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/publications\\\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/ga-p.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Payment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/ga-p.com\\\/en\\\/\",\"name\":\"Despacho de abogados G\u00f3mez-Acebo & Pombo\",\"description\":\"G\u00f3mez-Acebo y Pombo es una firma de abogados independiente, con experiencia internacional, especializada en todas las \u00e1reas del derecho de los negocio.\",\"publisher\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/ga-p.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/#organization\",\"name\":\"Despacho de abogados G\u00f3mez-Acebo & Pombo\",\"url\":\"https:\\\/\\\/ga-p.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/ga-p.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Logo-1-1.svg\",\"contentUrl\":\"https:\\\/\\\/ga-p.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Logo-1-1.svg\",\"caption\":\"Despacho de abogados G\u00f3mez-Acebo & Pombo\"},\"image\":{\"@id\":\"https:\\\/\\\/ga-p.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Payment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations - Despacho de abogados G\u00f3mez-Acebo y Pombo","description":"The Court of Justice of the European Union (Fourth Chamber), in its judgment of 1 August 2025, case C-665\/23, IL v. Veracash SAS, concludes that a payer is deprived of the right to reimbursement of the amount of an unauthorised transaction if he or she delayed in notifying his or her payment service provider of the unauthorised payment transaction, even though he or she did so within 13 months from the debit date. This interpretation of the Payment Services Directive is applicable in Spain (Art. 43 RDL 19\/2018) and appears to be retained in the future Regulation on payment services.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/","og_locale":"en_US","og_type":"article","og_title":"Payment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations - Despacho de abogados G\u00f3mez-Acebo y Pombo","og_description":"The Court of Justice of the European Union (Fourth Chamber), in its judgment of 1 August 2025, case C-665\/23, IL v. Veracash SAS, concludes that a payer is deprived of the right to reimbursement of the amount of an unauthorised transaction if he or she delayed in notifying his or her payment service provider of the unauthorised payment transaction, even though he or she did so within 13 months from the debit date. This interpretation of the Payment Services Directive is applicable in Spain (Art. 43 RDL 19\/2018) and appears to be retained in the future Regulation on payment services.","og_url":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/","og_site_name":"Despacho de abogados G\u00f3mez-Acebo y Pombo","article_modified_time":"2025-10-09T10:07:34+00:00","og_image":[{"width":2500,"height":1308,"url":"https:\/\/ga-p.com\/wp-content\/uploads\/2024\/10\/Analysis.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/","url":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/","name":"Payment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations - Despacho de abogados G\u00f3mez-Acebo y Pombo","isPartOf":{"@id":"https:\/\/ga-p.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/#primaryimage"},"image":{"@id":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/#primaryimage"},"thumbnailUrl":"https:\/\/ga-p.com\/wp-content\/uploads\/2024\/10\/Analysis.jpg","datePublished":"2025-10-09T10:07:32+00:00","dateModified":"2025-10-09T10:07:34+00:00","description":"The Court of Justice of the European Union (Fourth Chamber), in its judgment of 1 August 2025, case C-665\/23, IL v. Veracash SAS, concludes that a payer is deprived of the right to reimbursement of the amount of an unauthorised transaction if he or she delayed in notifying his or her payment service provider of the unauthorised payment transaction, even though he or she did so within 13 months from the debit date. This interpretation of the Payment Services Directive is applicable in Spain (Art. 43 RDL 19\/2018) and appears to be retained in the future Regulation on payment services.","breadcrumb":{"@id":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/#primaryimage","url":"https:\/\/ga-p.com\/wp-content\/uploads\/2024\/10\/Analysis.jpg","contentUrl":"https:\/\/ga-p.com\/wp-content\/uploads\/2024\/10\/Analysis.jpg","width":2500,"height":1308},{"@type":"BreadcrumbList","@id":"https:\/\/ga-p.com\/en\/publications\/payment-service-providers-rectification-of-unauthorised-or-incorrectly-executed-payment-transactions-user-obligations\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/ga-p.com\/en\/"},{"@type":"ListItem","position":2,"name":"Payment service providers\u2019 rectification of unauthorised or incorrectly executed payment transactions: user obligations"}]},{"@type":"WebSite","@id":"https:\/\/ga-p.com\/en\/#website","url":"https:\/\/ga-p.com\/en\/","name":"Despacho de abogados G\u00f3mez-Acebo & Pombo","description":"G\u00f3mez-Acebo y Pombo es una firma de abogados independiente, con experiencia internacional, especializada en todas las \u00e1reas del derecho de los negocio.","publisher":{"@id":"https:\/\/ga-p.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ga-p.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ga-p.com\/en\/#organization","name":"Despacho de abogados G\u00f3mez-Acebo & Pombo","url":"https:\/\/ga-p.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ga-p.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/ga-p.com\/wp-content\/uploads\/2024\/09\/Logo-1-1.svg","contentUrl":"https:\/\/ga-p.com\/wp-content\/uploads\/2024\/09\/Logo-1-1.svg","caption":"Despacho de abogados G\u00f3mez-Acebo & Pombo"},"image":{"@id":"https:\/\/ga-p.com\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/ga-p.com\/en\/wp-json\/wp\/v2\/publicacion\/371245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ga-p.com\/en\/wp-json\/wp\/v2\/publicacion"}],"about":[{"href":"https:\/\/ga-p.com\/en\/wp-json\/wp\/v2\/types\/publicacion"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ga-p.com\/en\/wp-json\/wp\/v2\/media\/322569"}],"wp:attachment":[{"href":"https:\/\/ga-p.com\/en\/wp-json\/wp\/v2\/media?parent=371245"}],"wp:term":[{"taxonomy":"publicacion_categoria","embeddable":true,"href":"https:\/\/ga-p.com\/en\/wp-json\/wp\/v2\/publicacion_categoria?post=371245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}