The PayTechLaw-Team wishes a very Merry Christmas
It’s crazy how quickly time flies by – and it’s again Christmas again. And a wonderful year 2019…
The PayTechLaw-Team wishes a very Merry Christmas
It’s crazy how quickly time flies by – and it’s again Christmas again. And a wonderful year 2019…
Direct debits are dead. Long live direct debits! – What the CJEU ruling regarding direct debits means for online merchants
In a recent extraordinary ruling, the CJEU decided that merchants are not allowed to only offer the possibility…
“Lex Apple Pay” – let’s pretend we don’t have a clue… what exactly are technical infrastructure services?
Everyone has been talking about “Lex Apple Pay” ever since the Finance Committee provided its recommendation to include…
Information obligations, transparency and equal fees: The rules introduced by the EU Fees Regulation are just around the corner
On 15 December 2019, the first amendments introduced by Regulation (EC) No. 924/2009 on cross-border payments within the…
From ‘A for acquirer’ to ‘Z for ZAG’ (the German Payment Services Supervision Act): our PayTechLaw glossary gives guidance
3-party or 4-party system? Acquirer or issuer? BKM, e-money agent, payment initiation services and the rest: Those not…
The trials and tribulations of the ECB payment statistics
Before I begin, I’d just like to set the scene by establishing a few things: Just as lawyers…
PayTechTalk 45 – Chinese payment methods: what makes WeChat Pay, Alipay and co. so successful?
In today’s episode of PayTechTalk, we will for once not focus primarily on legal and regulatory issues. Rather,…
New regulatory requirements for outsourcing
Authors: Peter Frey, Charles Krier, Marina Mismetti Mateus Background. In the current context of digitisation and the increasing…
ATMs & VAT: CJEU ruling regarding the outsourcing of ATM operations
We have already reported several times on the VAT exemption for so-called white label structures and particularly on…
Crypto tokens: BaFin provides details on administrative practice
On 16 August 2019 the German Federal Financial Supervisory Authority (BaFin) published a new guidance note regarding crypto…