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Article 79

No: 000044093096 Date(g): 13/6/2023 | Date(h): 24/11/1444 Status: In-Force
(1)A Payment Transaction is considered to be authorized by the Payer when the Payer has given Consent to its execution in accordance with the approach agreed with their Payment Service Provider.
 
(2)Where a Payer claims not to have authorized an executed Payment Transaction or that a Payment Transaction has not been properly executed by a Payment Service Provider, it is for the Payment Service Provider to prove that the Payment Transaction was authenticated, accurately recorded and not deficient.
 
(3) If a Payment Service Provider considers that a Payer has acted fraudulently, it is for the Payment Service Provider to prove that and provide supporting evidence during a dispute settlement process.
 
(4) If a Payment Transaction was initiated through a Payment Initiation Service Provider, it is for the Payment Initiation Service Provider to prove that, within its sphere of competence, the Payment Transaction was authenticated, accurately recorded and not subject to a deficiency arising from the Payment Initiation Service.