PSD1 from Perspective of ECJ

Anete Bože

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Directive 2007/64/EC (known also as Payment Service Directive 1 – PSD1) and
Directive (EU) 2015/2366 (known also as Payment Service Directive 2 – PSD2) both
regulate payment services in the EU. PSD1 is no longer in force and it was replaced with
PSD2 that provides the basis for a better integrated EU payments market, opens up
a market for new types of payment services, allows to use new technologies to provide
these services etc.
The European Court of Justice (ECJ) has made some significant rulings that helped
to understand some concepts from the PSD1 and PSD2 more clearly.
In this article, the author gives reviews of the rulings of the ECJ that are related to
payment services, PSD1 and gives her own opinion on the possible impact of the respective rulings.
The article was based on methods of general scientific research and interpretation
of legal norms and analysis of the case-law of the ECJ. The aim of this article is to review
some of the ECJ judgments related to payment services and PSD1
Original languageEnglish
Pages (from-to)84-98
Issue number2
Publication statusPublished - 2021
Externally publishedYes


  • ECJ
  • Payment Services
  • Payment Service Directive
  • PSD
  • PSD2

Field of Science*

  • 5.5 Law

Publication Type*

  • 1.2. Scientific article included in INT1 or INT2 category journal of ERIH database


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