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Brussels, 30 September 2010

Payment services: Commission refers Poland to Court for not implementing EU rules

In order to ensure that EU citizens and businesses fully benefit from the Internal Market, the European Commission has decided to refer Poland to the Court of Justice of the EU for failing to implement the Payment Services Directive (PSD) into its national law. The aim of the Payment Services Directive is to ensure that electronic payments within the EU – in particular credit transfer, direct debit and card payments – become as easy, efficient and secure as domestic payments within a single Member State. The Directive provides the legal foundation to make the Single Euro Payments Area (SEPA) possible.

Payment Services Directive – Poland

The Payment Services Directive 2007/64/EC aims to guarantee fair and open access to payments markets and to increase consumer protection (see IP/05/1514). Before the PSD, payment service providers were effectively blocked from competing and offering their services throughout the EU. The Directive provides for a maximum execution date for all euro or domestic credit transfers, which have to be completed in a maximum of one day after the payment order is given. It also provides the legal foundation for cross-border direct debit schemes and leads to more transparency and greater choice for users. In addition, the PSD provides the legal foundation for the Single Euro Payments Area (SEPA), which is an initiative of the European banking industry to provide an integrated market for payment services within the euro area (IP/07/550). The deadline for implementation of the Directive was November 2009.

Eleven months after the final deadline for its implementation into domestic law, only Poland is lagging behind. In their response to the Commission's formal request to implement the Directive (IP/10/682), the Polish authorities indicated that they would not be able to do so, in a best case scenario, before early 2011.

More information

Internal Market:

Latest information on infringement proceedings concerning all Member States:

For more information on EU infringement procedures, see MEMO/10/457.

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