commiss recommend novemb payment system relationship cardhold card issuer eec commiss european commun regard treati establish european econom commun indent articl thereof main object commun complet intern market payment system essenti part paragraph annex council resolut april preliminari programm european econom commun consum protect inform polici protect econom interest consum base principl purchas good servic protect standard contract exclus essenti right contract ii consum protect damag econom interest caus unsatisfactori servic iii present promot good servic includ financi servic design mislead directli indirectli person offer request paragraph annex preliminari programm protect consum unfair commerci practic inter alia term contract prioriti treatment implement programm commiss white paper complet intern market commun council june refer paragraph technolog transform european market distribut system engend adequ consum protect refer paragraph electron bank payment card videotex commiss polici document entitl impetu consum protect polici commun council juli subject council resolut adopt june refer paragraph electron fund transfer announc timet contain annex thereto propos direct matter adopt council acceler financi consum protect field payment system servic consum form financi servic includ financi servic mean purchas good servic market place member state home consum furnish diverg term contract consum protect member state chang recent year type financi servic consum payment method purchas good servic form thereof emerg continu develop term contract field member state diverg member state case disadvantag consum effect protect consum achiev common term appli form financi servic consum receiv adequ inform term contract includ fee cost payabl consum servic right oblig contract inform includ unequivoc statement extent consum oblig holder hereinaft call contract holder card devic enabl make payment favour person perform financi servic protect consum contract holder improv contract made write minimum particular contractu term includ indic period oper credit debit invoic payment devic form plastic card dispatch member public respons applic person contract conclud person issuer payment devic bind applic receiv devic applic term contract natur technolog field payment devic includ manufactur essenti oper effect mean subject record order oper trace error rectifi contract holder mean access record burden proof show oper accur record enter account affect technic breakdown defici lie person contract furnish payment devic issuer payment instruct commun electron contract holder irrevoc payment made revers contract holder suppli record oper effect mean payment devic common rule issuer liabil execut defect execut contract holder payment instruct alli oper transact author contract holder subject contract holder oblig case lost stolen copi payment devic common term contract consequ contract holder lose payment devic stolen copi purpos ensur electron payment network function payment devic internation minimum data relat contract holder transmit forntier subject ocndit commiss monitor implement recommend month find implement unsatisfactori commiss measur recommend month date hereof issuer payment devic system provid conduct activ accord provis contain annex hereto member state ensur order facilit oper refer annex data relat contract holder transmit data transmit requisit minimum confidenti person knowledg brought oper brussel novemb commiss grigori varfi member commiss oj confirm paragraph programm oj final final oj annex annex appli oper electron payment involv card point sale withdraw banknot deposit banknot chequ connect oper electron devic cash dispens machin autom teller machin electron payment card includ process signatur requir voucher produc includ card sole function guarante payment made chequ electron payment effect member public card home bank purpos annex definit appli payment devic card mean enabl user effect oper kind paragraph issuer person busi make member public payment devic pursuant contract conclud system provid person make financi product specif trade network enabl payment devic oper aforesaid contract holder person pursuant contract conclud issuer hold payment devic compani specif card card issu retail client group retail client order facilit give access bank account payment purchas good servic exclus issu retail retail retail contract accept card issuer draw full fair term contract write govern issu payment devic issu term contract express easili understand word clear form easi read languag languag ordinarili similar purpos region term contract offer term contract basi calcul amount charg includ interest contract holder pai issuer term contract debit credit oper instantan period time oper lead invoic contract cardhold period time term contract alter agreement parti agreement deemd exist issuer propos amend contract term contract holder receiv notic thereof continu make payment devic term contract put contract holder oblig vi vi issuer reason step safe payment devic mean person identif number code enabl notifi issuer central agenc undu delai awar loss theft copi payment devic mean enabl record contract holder account unauthor transact error irregular maintain account issuer record payment devic contract holder person identif number code record thing carri payment devic lost stolen copi countermand order mean payment devic term contract state provid contract holder compli oblig impos pursuant subparagraph indent paragraph act extrem neglig fraudul circumst payment devic notif liabl damag aris term contract put issuer oblig vi vi contract holder disclos contract holder person identif number code similar confidenti data contract holder payment devic dispatch member public respons applic person contract issuer contract holder regard conclud time applic receiv payment devic copi term contract accept relat oper refer paragraph issuer intern record suffici substanti enabl oper trace error rectifi end issuer make requisit arrang system provid disput contract holder oper refer fourth indent paragraph relat liabil unauthor electron fund transfer burden proof issuer show oper accur record accur enter account affect technic breakdown defici contract holder request suppli record oper instantan shortli complet case payment point sale till receipt suppli retail time purchas refer payment devic satisfi requir provis vi vi contract holder issuer liabl subject paragraph execut defect execut contract holder oper refer paragraph oper initi electron devic issuer direct exclus control oper author contract holder save state paragraph liabil paragraph limit case execut defect execut oper amount liabil limit amount unexecut defect execut oper case unauthor oper amount liabil extend sum requir restor contract holder posit unauthor oper place financi consequ question extent damag compens paid govern law applic contract conclud issuer contract holder issuer provid mean custom time dai night notifi loss theft copi payment devic case compani specif card mean notif made issuer hour busi contract holder notifi issuer central agenc requir paragraph contract holder liabl provis appli contract holder act extrem neglig fraudul contract holder bear loss sustain time notif consequ loss theft copi payment devic equival ecu event act extrem neglig fraudul issuer receipt notif oblig contract holder act extrem neglig fraudul action open stop payment devic