La presente informativa è resa, anche ai sensi dell’art. 13 del D. Lgs. 196/2003 “Codice in materia di protezione dei dati personali” (“Codice Privacy”) 
e degli artt. 13 e 14 del Regolamento (UE) 2016/679 (“GDPR”), a coloro che si collegano alla presente edizione online del giornale Tribuna Economica di proprietà di AFC Editore Soc. Coop. 

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European consumers will be able to reap the full benefits of paying online for goods and services, thanks to new rules that will it make it cheaper, easier and safer to make electronic payments. The revised Payment Services Directive (PSD2), which applies as of 13 January 2018, aims to modernise Europe's payment

services to the benefit of both consumers and businesses, so as to keep pace with this rapidly evolving market.

The new rules will: Prohibit surcharging, which are additional charges for payments with consumer credit or debit cards, both in shops or online;  Open the EU payment market to companies offering payment services, based on them gaining access to information about the payment account; Introduce strict security requirements for electronic payments and for the protection of consumers' financial data; Enhance consumers' rights in numerous areas. These include reducing the liability for non-authorised payments and introducing an unconditional ("no questions asked") refund right for direct debits in euro. 


These rules are applicable as of 13 January 2018 through provisions that Member States have introduced in their national laws in compliance with the EU legislation. The Commission is concerned that many Member States have not yet transposed the Directive and it calls on them to do so as a matter of urgency.