> 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/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-11-detection-of-missing-information.md).

# Article 11 — Detection of missing information (intermediary PSPs)

1. The [intermediary payment service provider](https://www.mica.wtf/definitions/definitions/tofr/intermediary-payment-service-provider) shall implement effective procedures to detect whether the fields relating to the information on the [payer](https://www.mica.wtf/definitions/definitions/tofr/payer) and the [payee](https://www.mica.wtf/definitions/definitions/tofr/payee) in the messaging or payment and settlement system used to effect the [transfer of funds](https://www.mica.wtf/definitions/definitions/tofr/transfer-of-funds) have been filled in using characters or inputs admissible in accordance with the conventions of that system.
2. The intermediary [payment service provider](https://www.mica.wtf/definitions/definitions/tofr/payment-service-provider) shall implement effective procedures, including, where appropriate, monitoring after or during the transfers, in order to detect whether the following information on the [payer](https://www.mica.wtf/definitions/definitions/tofr/payer) or the [payee](https://www.mica.wtf/definitions/definitions/tofr/payee) is missing:
   1. for transfers of [funds](https://www.mica.wtf/definitions/definitions/tofr/funds) where the [payment service providers](https://www.mica.wtf/definitions/definitions/tofr/payment-service-provider) of the payer and the payee are established in the Union, the information referred to in Article 5;
   2. for transfers of [funds](https://www.mica.wtf/definitions/definitions/tofr/funds) where the payment service provider of the payer or of the payee is established outside the Union, the information referred to in Article 4(1), points (a), (b) and (c), and Article 4(2), points (a) and (b);
   3. for [batch file transfers](https://www.mica.wtf/definitions/definitions/tofr/batch-file-transfer) where the payment service provider of the payer or of the payee is established outside the Union, the information referred to in Article 4(1), points (a), (b) and (c), and Article 4(2), points (a) and (b), in respect of that batch file transfer.


---

# 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/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-11-detection-of-missing-information.md?ask=<question>&goal=<endgoal>
```

`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.