# OB-PIS-012 — Refusal over suspected fraud, reasons to the PISP

> 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)
- 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)

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.

## 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.

- <https://openfinanceguide.com/en/stet/1.6.3/endpoints/pisp/payment-requests-get>
- <https://openfinanceguide.com/en/stet/1.6.3/resources/status-reason-information>

## Sources

- [Council doc. 8221/26, page 313](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=313)
- [Council doc. 8221/26, page 314](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=314)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-pis-012