Certain crimes cannot be prosecuted effectively because offences committed with certain payment instruments (in particular non-corporeal) are criminalised differently in Member States or not criminalised.
Nekaterih kaznivih dejanj ni mogoče preganjati učinkovito, ker so dejanja, storjena z nekaterimi plačilnimi instrumenti (zlasti nematerialnimi), v državah članicah različno opredeljena kot kazniva dejanja ali sploh niso kazniva.