Les services de paiement sur le marché de l’Union Européenne et de L’Espace économique Européen, pendant la crise économique actuelle

From 1 November 2009 came into force Emergency Ordinance No. 113/2009, which introduced into Romanian legislation the Directive on Payment Services (PSD "Payment Services Directive") applicable in the European Union (EU) and European Economic Space (EES). These regulations are intended transparency of banking information for payment services to create a single legal framework at the European Union and European Economic Space in the field of payment services and the protection of consumers of these services. The regulations of the Directive on payment services are applied to all payment transactions in the currency of each Member State of the European Union and European Economic Space, provided that the two banks - the payer's bank and the beneficiary's bank – are located in a Member State. Payment services coming under the impact of new legislation are: payment by bill of exchange, electronic payments, payments by credit card, payments made by direct debit, cash transactions, provided the payment and transfer of funds (the giving of money) under conditions of transparency and information to users and to comply with a set of laws and obligations on the part of all those involved in this operation.