Who bears the charges, and can the bank change that choice?

{
  "id": "OPT-PIS-007",
  "edition": "1.6.3",
  "chooser": "both",
  "title": {
    "fr": "Répartition des frais",
    "en": "Charge allocation",
    "es": "Reparto de gastos",
    "pt-br": "Divisão das tarifas"
  },
  "question": {
    "fr": "Qui supporte les frais, et la banque peut-elle changer ce choix ?",
    "en": "Who bears the charges, and can the bank change that choice?",
    "es": "¿Quién asume los gastos, y puede el banco cambiar esa elección?",
    "pt-br": "Quem arca com as tarifas, e o banco pode alterar essa escolha?"
  },
  "options": [
    {
      "label": {
        "fr": "`chargeBearer`",
        "en": "`chargeBearer`",
        "es": "`chargeBearer`",
        "pt-br": "`chargeBearer`"
      },
      "text": {
        "fr": "`SLEV`, `SHAR`, `CRED` ou `DEBT` selon l'instrument.",
        "en": "`SLEV`, `SHAR`, `CRED` or `DEBT` depending on the instrument.",
        "es": "`SLEV`, `SHAR`, `CRED` o `DEBT` según el instrumento.",
        "pt-br": "`SLEV`, `SHAR`, `CRED` ou `DEBT`, conforme o instrumento."
      }
    },
    {
      "label": {
        "fr": "`acceptChargeHandlingChange`",
        "en": "`acceptChargeHandlingChange`",
        "es": "`acceptChargeHandlingChange`",
        "pt-br": "`acceptChargeHandlingChange`"
      },
      "text": {
        "fr": "À `true` par défaut, autorise la banque à modifier la répartition.",
        "en": "`true` by default, allows the bank to change the allocation.",
        "es": "Vale `true` por defecto y autoriza al banco a modificar el reparto.",
        "pt-br": "Em `true` por padrão, autoriza o banco a alterar a divisão."
      }
    }
  ],
  "stet": {
    "sections": [
      {
        "part": "functional-model",
        "section": "4.1.10",
        "page": 19
      }
    ],
    "openapi": [
      "PaymentRequestResource.chargeBearer",
      "PaymentRequestResource.acceptChargeHandlingChange"
    ],
    "flows": [],
    "changes": [],
    "remark": null
  },
  "aspsp": {
    "fr": "La banque peut ajuster la répartition des frais tant que le PISP ne l'a pas interdit.",
    "en": "The bank may adjust the charge allocation as long as the PISP has not forbidden it.",
    "es": "El banco puede ajustar el reparto de gastos mientras el PISP no lo haya prohibido.",
    "pt-br": "O banco pode ajustar a divisão das tarifas enquanto o PISP não a tiver proibido."
  },
  "tpp": {
    "fr": "Fixer `acceptChargeHandlingChange` à `false` si la répartition compte.",
    "en": "Set `acceptChargeHandlingChange` to `false` if the allocation matters.",
    "es": "Enviar `acceptChargeHandlingChange` con valor `false` si el reparto importa.",
    "pt-br": "Definir `acceptChargeHandlingChange` como `false` se a divisão importar."
  },
  "regulation": {
    "text": {
      "fr": "La banque n'a pas à communiquer les frais au PISP avant l'initiation (Q&A 2021_6320).",
      "en": "The bank does not have to disclose the charges to the PISP before initiation (Q&A 2021_6320).",
      "es": "El banco no tiene que comunicar los gastos al PISP antes de la iniciación (Q&A 2021_6320).",
      "pt-br": "O banco não precisa informar as tarifas ao PISP antes da iniciação (Q&A 2021_6320)."
    },
    "sources": [
      {
        "act": "eba-qa",
        "ref": "2021_6320"
      }
    ]
  },
  "note": {
    "fr": "`chargeBearer` est au niveau du paiement dans le schéma, et « at transaction level » dans le tableau.",
    "en": "`chargeBearer` is at payment level in the schema, and “at transaction level” in the table.",
    "es": "`chargeBearer` está a nivel del pago en el esquema, y «at transaction level» en la tabla.",
    "pt-br": "`chargeBearer` está no nível do pagamento no schema, e “at transaction level” na tabela."
  },
  "production": null,
  "verifiedAt": "2026-10-19"
}