> For the complete documentation index, see [llms.txt](https://www.mica.wtf/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.mica.wtf/definitions/definitions/psd2/payment-services.md).

# payment services

|                  |                                            |
| ---------------- | ------------------------------------------ |
| **Defined term** | payment services                           |
| **Source**       | PSD2                                       |
| **Reference**    | Article 4, point (3)                       |
| **Status**       | Published                                  |
| **Refresh rule** | Regenerate after source legal-text changes |

## Definition

> (3) 'payment service' means any business activity set out in Annex I;

## Source

[PSD2, Article 4, point (3)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A02015L2366-20250117).

## Referenced Annex Material

PSD2 Annex I - [Payment services](/definitions/definitions/mica/payment-services.md)

1. Services enabling cash to be placed on a [payment account](/definitions/definitions/tofr/payment-account.md) and all operations required for operating a payment account;
2. Services enabling cash withdrawals from a [payment account](/definitions/definitions/tofr/payment-account.md) and all operations required for operating a payment account;
3. Execution of payment transactions, including transfers of [funds](/definitions/definitions/mica/funds.md) on a payment account with the user's [payment service provider](/definitions/definitions/mica/payment-service-provider.md) or another payment service provider;
4. Execution of payment transactions where the [funds](/definitions/definitions/mica/funds.md) are covered by a credit line for a payment service user;
5. Issuing of payment instruments and/or acquiring of payment transactions;
6. Money remittance;
7. Payment initiation services;
8. Account information services.

Source: [PSD2](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A02015L2366-20250117).

## Used In MiCA

* [Article 70](https://www.mica.wtf/mica/title-v-authorisation-and-operating-conditions-for-crypto-asset-service-providers-art.-59-85/chapter-2/article-70)
* [Article 119](https://www.mica.wtf/mica/title-vii-competent-authorities-eba-and-esma-art.-93-138/chapter-4/article-119)
* [Article 122](https://www.mica.wtf/mica/title-vii-competent-authorities-eba-and-esma-art.-93-138/chapter-5/article-122)
* [Article 125](https://www.mica.wtf/mica/title-vii-competent-authorities-eba-and-esma-art.-93-138/chapter-5/article-125)


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