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A operação débito directo
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| Documento principal | 1.58 MB | Adobe PDF |
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Resumo(s)
O débito directo como operação de pagamento autónoma existe em Portugal desde 2000, data em foi publicado o primeiro Aviso do Banco de Portugal sobre a matéria. No entanto, ganhou destaque com o enquadramento legal resultante da aplicação combinada do Regime Jurídico dos Serviços de Pagamento e da Moeda Electrónica e do Regulamento (UE) n.º 260/2012 do Parlamento Europeu e do Conselho, de 14 de Março de 2012.
O presente estudo pretende identificá-lo na realidade da prestação de serviços de pagamento a nível nacional e descobrir-lhe as principais características, entre as quais se destacam a iniciação da operação pelo beneficiário e a prévia autorização do devedor. As especificidades de que é portador tornam especialmente desafiante a interpretação das normas jurídicas e conferem particular interesse à busca de soluções práticas para os problemas que a execução da operação levanta.
O contexto socioeconómico da Área Única de Pagamentos em Euro (SEPA) confere actualidade à temática.
The direct debit as an autonomous payment transaction has been a reality in Portugal since the publication of the Banco de Portugal's first Notice on the matter in 2000. It has, however, gained special importance with the implementation of the new legal framework which resulted from the combined enforcement of the Payment Services and Electronic Money Legal Framework and of Regulation (EU) no. 260/2012, of 14 March 2012. My aim is to provide an in-depth study of the direct debit against the backdrop of the payment services provision in Portugal while at the same time identify its special characteristics. I will argue that the most important characteristic of the direct debit is the fact that the payee initiates the payment transaction although he must first obtain the payer's consent. The uniqueness of the direct debit makes interpretation of this legal framework extremely challenging particularly when trying to find practical solutions to problems arising out of the payment transaction execution. The social and economic context of the Single Euro Payments Area (SEPA) lends special relevance to the matter under discussion.
The direct debit as an autonomous payment transaction has been a reality in Portugal since the publication of the Banco de Portugal's first Notice on the matter in 2000. It has, however, gained special importance with the implementation of the new legal framework which resulted from the combined enforcement of the Payment Services and Electronic Money Legal Framework and of Regulation (EU) no. 260/2012, of 14 March 2012. My aim is to provide an in-depth study of the direct debit against the backdrop of the payment services provision in Portugal while at the same time identify its special characteristics. I will argue that the most important characteristic of the direct debit is the fact that the payee initiates the payment transaction although he must first obtain the payer's consent. The uniqueness of the direct debit makes interpretation of this legal framework extremely challenging particularly when trying to find practical solutions to problems arising out of the payment transaction execution. The social and economic context of the Single Euro Payments Area (SEPA) lends special relevance to the matter under discussion.
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Direito bancário Operações bancárias Moeda electrónica Débito Teses de mestrado - 2015