# payer

## Definition

> 1. '**payer**' means a person that holds a payment account and allows a transfer of funds from that payment account or, where there is no payment account, that gives a transfer of funds order;

## Source

[ToFR, Article 3, point (3)](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-i-general-provisions/article-3-definitions).

## Used In ToFR

* [Article 1 — Subject matter](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-i-general-provisions/article-1-subject-matter)
* [Article 2 — Scope](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-i-general-provisions/article-2-scope)
* [Article 10 — Retention of information on the payer and the payee accompanying the transfer](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-10-retention-of-information)
* [Article 11 — Detection of missing information (intermediary PSPs)](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-11-detection-of-missing-information)
* [Article 12 — Transfers of funds with missing information (intermediary PSPs)](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-12-transfers-with-missing-information)
* [Article 13 — Assessment and reporting (intermediary PSPs)](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-13-assessment-and-reporting)
* [Article 4 — Information accompanying transfers of funds](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-4-information-accompanying-transfers-of-funds)
* [Article 5 — Transfers of funds within the Union](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-5-transfers-of-funds-within-the-union)
* [Article 6 — Transfers of funds to outside the Union](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-6-transfers-of-funds-to-outside-the-union)
* [Article 7 — Detection of missing information on the payer or the payee](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-7-detection-of-missing-information)
* [Article 8 — Transfers of funds with missing or incomplete information on the payer or the payee](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-8-transfers-with-missing-or-incomplete-information)
* [Article 9 — Assessment and reporting](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-9-assessment-and-reporting)
* [Article 26 — Record retention](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-26-record-retention)
* [Article 29 — Specific provisions](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-29-specific-provisions)


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