{"id":364003,"date":"2018-02-22T08:13:08","date_gmt":"2018-02-22T07:13:08","guid":{"rendered":"http:\/\/hudo.com\/si\/?p=364003"},"modified":"2018-02-22T08:13:08","modified_gmt":"2018-02-22T07:13:08","slug":"trgovci-vam-odslej-vec-ne-smejo-zaracunati-nadomestila-za-placilo-s-kartico","status":"publish","type":"post","link":"https:\/\/hudo.com\/si\/aktualno\/trgovci-vam-odslej-vec-ne-smejo-zaracunati-nadomestila-za-placilo-s-kartico\/","title":{"rendered":"Trgovci vam odslej ve\u010d ne smejo zara\u010dunati nadomestila za pla\u010dilo s kartico"},"content":{"rendered":"

Zakon je DZ potrdil 25. januarja. Dolo\u010da, da velja prepoved zara\u010dunavanja nadomestil, ki jih za sprejem kartice kot pla\u010dilnega instrumenta zahtevajo trgovci, in sicer pri pla\u010dilih z vsemi pla\u010dilnimi karticami, ki jih potro\u0161nikom v Sloveniji izdajajo ponudniki pla\u010dilnih storitev. Prepoved velja tako za vse kartice, ki se izdajajo v Sloveniji, tudi za kartici American Express in Diners Club.<\/p>\n

Prepoved zara\u010dunavanja nadomestil pa denimo ne bo veljala v primeru kartice PayPal, ki v Evropi posluje kot banka s sede\u017eem v Luksemburgu. V tem primeru pa provizija ne bo smela prese\u010di neposrednega stro\u0161ka, ki ga zaradi sprejetja karti\u010dnega pla\u010dila nosi prejemnik pla\u010dila oz. trgovec.<\/p>\n

Zakon je tudi podlaga za izmenjavo informacij o ra\u010dunih. Po njej bodo banke na zahtevo uporabnika ponudile dostop do finan\u010dnih podatkov o njem tekmecem, obenem pa npr. podjetjem za razvoj storitev finan\u010dne tehnologije prek vmesnikov API ob spo\u0161tovanju tehni\u010dnih in varnostnih standardov omogo\u010dile hiter in \u010dim bolj nemoten dostop do podatkov in ra\u010dunov. Po analogiji bi lahko to primerjali z odpiranjem infrastrukture na podro\u010dju telekomunikacij in energetike v EU v preteklih letih.<\/p>\n

Evropska komisija je na podlagi predloga Evropskega ban\u010dnega organa pripravila regulativne tehni\u010dne standarde za zagotavljanje varnosti pri odpiranju dostopa do finan\u010dnih podatkov. Ko bodo ti objavljeni, bodo imele banke in drugi ponudniki pla\u010dilnih storitev na voljo 18 mesecev za uveljavitev v praksi. Nova ureditev naj bi v praksi za\u017eivela najpozneje septembra 2019.<\/p>\n

Zakon v slovensko zakonodajo prena\u0161a evropsko direktivo, ki je za\u010dela veljati 13. januarja. Ta uveljavlja zakonodajne spremembe na podro\u010dju pla\u010dilnih storitev, katerih cilj je med drugim omogo\u010diti \u0161e ve\u010dji razmah inovativnih finan\u010dnih storitev v prid kon\u010dnemu uporabniku in okrepiti varstvo potro\u0161nikov.<\/p>\n","protected":false},"excerpt":{"rendered":"

Za\u010del je veljati zakon o pla\u010dilnih storitvah, storitvah izdajanja elektronskega denarja in pla\u010dilnih sistemih, ki bo prispeval k ve\u010dji varnosti in ugodnostim za potro\u0161nike. Zakon uvaja storitev zagotavljanja informacij o ra\u010dunih ter prepoveduje posebna nadomestila za pla\u010dilo s kreditno ali pla\u010dilno kartico.<\/p>\n","protected":false},"author":7,"featured_media":364017,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1179],"tags":[6116,5235,1595,4726,5746],"source":[4511],"supertag":[],"acf":[],"yoast_head":"\nTrgovci vam odslej ve\u010d ne smejo zara\u010dunati nadomestila za pla\u010dilo s kartico - Hudo Slovenija<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hudo.com\/si\/aktualno\/trgovci-vam-odslej-vec-ne-smejo-zaracunati-nadomestila-za-placilo-s-kartico\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trgovci vam odslej ve\u010d ne smejo zara\u010dunati nadomestila za pla\u010dilo s kartico - Hudo Slovenija\" \/>\n<meta property=\"og:description\" content=\"Za\u010del je veljati zakon o pla\u010dilnih storitvah, storitvah izdajanja elektronskega denarja in pla\u010dilnih sistemih, ki bo prispeval k ve\u010dji varnosti in ugodnostim za potro\u0161nike. 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