> 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/tofr/payment-service-provider.md). # payment service provider | | | | ---------------- | ------------------------------------------ | | **Defined term** | payment service provider | | **Source** | ToFR | | **Reference** | Article 3, point (5) | | **Status** | Published | | **Refresh rule** | Regenerate after source legal-text changes | ## Definition > 1. '[**payment service provider**](/definitions/definitions/mica/payment-service-provider.md)' means the categories of payment service provider referred to in Article 1(1) of Directive (EU) 2015/2366, natural or legal persons benefiting from a waiver pursuant to Article 32 thereof and legal persons benefiting from a waiver pursuant to Article 9 of Directive 2009/110/EC, providing [transfer of funds](/definitions/definitions/tofr/transfer-of-funds.md) services; ## Source [ToFR, Article 3, point (5)](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-i-general-provisions/article-3-definitions). ## Imported Definition ToFR imports this definition from PSD2. > (11) '[payment service provider](/definitions/definitions/mica/payment-service-provider.md)' means a body referred to in Article 1(1) or a natural or legal person benefiting from an exemption pursuant to Article 32 or 33; [Open PSD2 definition page](/definitions/definitions/psd2/payment-service-provider.md) ## Definition Chain 1. ToFR Article 3, point (5) 2. PSD2 Article 4, point (11) 3. PSD2 Article 1(1) ## 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 23 — Internal policies, procedures and controls to ensure implementation of restrictive measures](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-iv-common-measures/article-23-internal-policies-restrictive-measures) * [Article 36 — Guidelines](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ix-other-provisions/article-36-guidelines) * [Article 37 — Review](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-ix-other-provisions/article-37-review) * [Article 24 — Provision of information](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-24-provision-of-information) * [Article 25 — Data protection](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-25-data-protection) * [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 28 — Administrative sanctions and measures](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-28-administrative-sanctions-and-measures) * [Article 29 — Specific provisions](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-29-specific-provisions) * [Article 32 — Reporting of breaches](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-32-reporting-of-breaches) * [Article 35 — Agreements with countries and territories which do not form part of the territory of the Union](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-viii-derogations/article-35-agreements-with-countries-and-territories) * [Article 38 — Amendments to Directive (EU) 2015/849](https://www.mica.wtf/tofr/transfer-of-funds-regulation/chapter-x-final-provisions/article-38-amendments-to-directive-2015-849) --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://www.mica.wtf/definitions/definitions/tofr/payment-service-provider.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.