PPayment
Ist bei E-Geld ein Vertrag zwischen dem E-Geld-Herausgeber und der Akzeptanzstelle erforderlich? Is a contract between the e-money issuer and the merchant required for e-money?
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  • 9 minute read

Is a contract between the e-money issuer and the merchant required for e-money?

This article examines the European Commission’s controversial interpretation of Article 11(7) EMD2 regarding the definition of electronic money. It focuses on whether a contractual relationship between the e-money issuer and the accepting merchant is required for electronic money acceptance. The article concludes that Article 11(7) EMD2 does not establish a general contractual requirement for the acceptance of e-money.
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PPayment
Buy Now Pay Later und der neue Anwendungsbereich des Verbraucherdarlehensrechts The implementation deadline for CCD2 is approaching – and consumer credit law will soon apply to BNPL models
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  • 9 minute read

The implementation deadline for CCD2 is approaching – and consumer credit law will soon apply to BNPL models

Buy Now, Pay Later (BNPL) has evolved from a simple payment method into a major financing tool in e-commerce—and is now under regulatory scrutiny. The Second Consumer Credit Directive and its implementation in Germany expand the scope of consumer credit law significantly. This article explains which BNPL models will fall under consumer credit rules in the future and where lawmakers draw the line.
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FFinTech
Zwischen Swipe und Aufsicht Social Commerce boomt – doch rechtlich ist nicht alles erlaubt. Wann Plattformen Zahlungsdienste erbringen und welche Ausnahmen greifen, erklärt der Beitrag. Regulation
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  • 6 minute read

Between swiping and regulation

Social commerce is transforming social media platforms like TikTok into virtual marketplaces—but without a license to provide payment services, legal challenges arise. This article examines how existing payment regulations apply to new platform models and the regulatory tightrope they must walk.
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FFinTech
Neues Buch: Das Recht der digitalen Zahlungsdienstleistungen
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  • 2 minute read

PayTechLaw – now available as a book!

With the title “PayTechLaw – The Law of Digital Payment Services”, a new handbook has been published by C.H. BECK. It is dedicated entirely to the regulatory and civil law framework of digital payments. The editors: Prof. Dr. Carsten Herresthal, LL.M., and Annerton partners Dr. Matthäus Schindele and Frank Müller, LL.M. – all recognized experts in payment services and financial regulatory law. They were supported by a top-class team of authors – including many familiar names from the Annerton environment and beyond.
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