OB-PIS-012PSR 65(1)Payment initiation

Refusal over suspected fraud, reasons to the PISP

What the text fixes

When the payer's PSP refuses an order after the suspected-fraud assessment of Article 65(-1a), it makes the refusal, its specific reasons and, where applicable, the procedure for correcting the decision available to the PISP, within 10 seconds for an instant credit transfer.

Article: PSR 65(1)Provisional numbering of the April 2026 compromise (Council doc. 8221/26). The final numbering will be added when the Official Journal publishes the text, without changing the id.
Who is bound: ASPSP
Who it is for: API, Product
Application: 21 months after entry into force, the general application date (Article 112).
Level 2: No EBA mandate covers this obligation.
Origin: PSD2, Art. 79(1)

STET 1.6.3

Partial

The refusal shows up as status RJCT with a statusReasonInformation code, FRAD for fraud or AM04 for insufficient funds. No time limit is set.

Handbook pages

Sources

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-PIS-012",
  "article": "PSR 65(1)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp"
  ],
  "roles": [
    "api",
    "product"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Refus pour soupçon de fraude, motifs au PISP",
    "en": "Refusal over suspected fraud, reasons to the PISP",
    "es": "Rechazo por sospecha de fraude, motivos al PISP",
    "pt-br": "Recusa por suspeita de fraude, motivos ao PISP"
  },
  "level1": {
    "fr": "Quand la banque du payeur refuse un ordre après l'évaluation d'un soupçon de fraude prévue à l'article 65(-1a), elle met à disposition du PISP le refus, ses motifs précis et, le cas échéant, la procédure pour corriger la décision, dans les 10 secondes pour un virement instantané.",
    "en": "When the payer's PSP refuses an order after the suspected-fraud assessment of Article 65(-1a), it makes the refusal, its specific reasons and, where applicable, the procedure for correcting the decision available to the PISP, within 10 seconds for an instant credit transfer.",
    "es": "Cuando el proveedor del ordenante rechaza una orden tras la evaluación de sospecha de fraude del artículo 65(-1a), pone a disposición del PISP el rechazo, sus motivos concretos y, en su caso, el procedimiento para corregir la decisión, en 10 segundos si se trata de una transferencia inmediata.",
    "pt-br": "Quando o prestador do pagador recusa uma ordem após a avaliação de suspeita de fraude do artigo 65(-1a), ele disponibiliza ao PISP a recusa, seus motivos específicos e, se for o caso, o procedimento para corrigir a decisão, em até 10 segundos no caso de uma transferência instantânea."
  },
  "level2": null,
  "origin": [
    {
      "act": "psd2",
      "articles": "79(1)"
    }
  ],
  "stet": {
    "1.6.3": {
      "status": "partial",
      "note": {
        "fr": "Le refus se lit dans le statut `RJCT` avec un code `statusReasonInformation`, `FRAD` pour la fraude ou `AM04` pour une provision insuffisante. Aucun délai n'est fixé.",
        "en": "The refusal shows up as status `RJCT` with a `statusReasonInformation` code, `FRAD` for fraud or `AM04` for insufficient funds. No time limit is set.",
        "es": "El rechazo se lee en el estado `RJCT` con un código `statusReasonInformation`, `FRAD` para fraude o `AM04` para fondos insuficientes. No se fija ningún plazo.",
        "pt-br": "A recusa aparece no status `RJCT` com um código `statusReasonInformation`, `FRAD` para fraude ou `AM04` para saldo insuficiente. Nenhum prazo é fixado."
      },
      "pages": [
        "endpoints/pisp/payment-requests-get",
        "resources/status-reason-information"
      ]
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 313
    },
    {
      "document": "8221/26",
      "page": 314
    }
  ],
  "verifiedAt": "2026-10-04"
}

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