Traduction de «client débité » (Français → Anglais) :

48. Believes that surcharges, rebates and other steering practices, in the way that they are commonly applied, are often harmful for end users of payment services; notes that surcharging based solely on the payment choice made by a customer risks being arbitrary and may be abused to raise additional revenue rather than to cover cost; considers that it would be important to ban the possibilities for excessive surcharges in relation to the merchant fee of an individual transaction, and to control rebates and similar consumer steering practices at EU level; stresses, therefore, that merchants should accept one commonly used payment instrument without any surcharge (SEPA-compliant debit card, e-payment), and that any surcharges on other instruments may n ...[+++]ot at any point exceed the additional direct costs of those instruments compared to the instrument accepted without surcharge;

48. Believes that surcharges, rebates and other steering practices, in the way that they are commonly applied, are often harmful for end users of payment services; notes that surcharging based solely on the payment choice made by a customer risks being arbitrary and may be abused to raise additional revenue rather than to cover cost; considers that it would be important to ban the possibilities for excessive surcharges in relation to the merchant fee of an individual transaction, and to control rebates and similar consumer steering practices at EU level; stresses, therefore, that merchants should accept one commonly used payment instrument without any surcharge (SEPA-compliant debit card, e-payment), and that any surcharges on other instruments may n ...[+++]ot at any point exceed the additional direct costs of those instruments compared to the instrument accepted without surcharge;

The related exposures include exposures which might not be foreseeable and are therefore not under the full control of a credit institution, inter alia, balances on inter-bank accounts resulting from client payments, including credited or debited fees and interest, and other payments for client services, as well as collateral given or received.

The related exposures include, inter alia, balances on inter-bank accounts resulting from client payments, including credited or debited fees and interest, and other payments for client services, as well as collateral given or received.

Where a supplier of goods or services, as a condition of accepting payment by credit or debit card, requires the customer to pay an amount to himself or another undertaking, and where the total price payable by that customer is unaffected irrespective of how payment is accepted, that amount shall constitute an integral part of the taxable amount for the supply of the goods or services, under Article 11 of Directive 77/388/EEC.

This is especially the case where an issuing bank provides its customers with the instrument and settles transactions on their accounts while an "acquiring bank" processes card payment transactions, typically from retailers receiving such payments.