{"id":19786,"date":"2018-08-14T15:16:35","date_gmt":"2018-08-14T13:16:35","guid":{"rendered":"https:\/\/acc.creditexpo.be\/\/?p=19786"},"modified":"2018-08-31T15:16:55","modified_gmt":"2018-08-31T13:16:55","slug":"utilisation-dun-service-de-paiement-nouvelles-dispositions","status":"publish","type":"post","link":"https:\/\/acc.creditexpo.be\/fr\/utilisation-dun-service-de-paiement-nouvelles-dispositions\/","title":{"rendered":"Utilisation d\u2019un service de paiement – Nouvelles dispositions"},"content":{"rendered":"
\n

A partir du 9 ao\u00fbt 2018, la loi du 19 juillet 2018 en mati\u00e8re de services de paiement<\/a> entre en vigueur. Elle contient plusieurs dispositions importantes pour la protection du consommateur qui recourt \u00e0 des services de paiement.<\/p>\n

 <\/p>\n

Interdiction des frais pour l\u2019utilisation d\u2019un instrument de paiement<\/strong><\/p>\n

 <\/p>\n

Interdiction pour le commer\u00e7ant de facturer un surco\u00fbt au consommateur qui r\u00e8gle son achat avec une carte de paiement, quelle qu\u2019elle soit, tant en ligne qu\u2019en magasin.<\/p>\n

Le commer\u00e7ant ne peut pas non plus facturer des frais pour les paiements par domiciliation ou par virement dans la zone SEPA (Union europ\u00e9enne et certains autres pays europ\u00e9ens tels que l’Islande, la Norv\u00e8ge et la Suisse.<\/p>\n

 <\/p>\n

Le montant \u00e0 la charge du consommateur en cas de perte ou de vol de la carte bancaire passe de 150 \u00e0 50 euros<\/strong><\/p>\n

 <\/p>\n

En cas de vol ou de perte de la carte, le montant maximum \u00e0 charge du consommateur est ramen\u00e9 de 150 euros \u00e0 50 euros, sauf dans les cas de n\u00e9gligence grave et de fraude commises par le consommateur m\u00eame.<\/p>\n

 <\/p>\n

R\u00e8gles plus strictes pour les paiements s\u00e9curis\u00e9s via \u00ab l\u2019authentification forte du client \u00bb<\/strong><\/p>\n

 <\/p>\n

Instauration d\u2019exigences plus strictes en mati\u00e8re de s\u00e9curit\u00e9 pour la plupart des paiements \u00e9lectroniques via \u00ab l\u2019authentification forte du client \u00bb et en mati\u00e8re de protection des donn\u00e9es financi\u00e8res des consommateurs. Ces exigences visent \u00e0 garantir l\u2019authentification s\u00fbre du consommateur et \u00e0 limiter le risque de fraude.<\/p>\n

 <\/p>\n

Syst\u00e8me de pr\u00e9-autorisation<\/strong><\/p>\n

 <\/p>\n

L\u2019encadrement du syst\u00e8me de pr\u00e9-autorisation doit contribuer \u00e0 une meilleure protection du consommateur lors de transactions de paiement dont le montant d\u00e9finitif n\u2019est pas connu \u00e0 l\u2019avance. C\u2019est souvent le cas lors de la prise de carburant ou lors de r\u00e9servations d\u2019h\u00f4tel.<\/p>\n

 <\/p>\n

Remboursement inconditionnel de la domiciliation<\/strong><\/p>\n

 <\/p>\n

La loi pr\u00e9voit explicitement un droit l\u00e9gal au remboursement \u00ab inconditionnel \u00bb par la banque, \u00e0 la demande du payeur, pendant huit semaines \u00e0 compter de la date o\u00f9 les montants ont \u00e9t\u00e9 d\u00e9bit\u00e9s. Toutefois, cette pratique bancaire relative aux domiciliations avait d\u00e9j\u00e0 cours en Belgique.<\/p>\n

 <\/p>\n

Proc\u00e9dure de plainte interne obligatoire<\/strong><\/p>\n

 <\/p>\n

Les prestataires de services de paiement sont oblig\u00e9s de pr\u00e9voir une proc\u00e9dure de plainte interne. Par ailleurs, ils se voient imposer une s\u00e9rie de r\u00e8gles de proc\u00e9dure comme l\u2019obligation de fournir une r\u00e9ponse \u00e9crite end\u00e9ans 15 jours \u00e0 compter du d\u00e9p\u00f4t de la plainte.
\nSource: SPF Economie<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

A partir du 9 ao\u00fbt 2018, la loi du 19 juillet 2018 en mati\u00e8re de services de paiement entre en vigueur. Elle contient plusieurs dispositions importantes pour la protection du consommateur qui recourt \u00e0 des services de paiement.   Interdiction des frais pour l\u2019utilisation d\u2019un instrument de paiement   Interdiction pour le commer\u00e7ant de facturer […]<\/p>\n","protected":false},"author":7,"featured_media":19783,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post--19786","post","post--type-post","post--status-publish","post--format-standard","post--has-post-thumbnail","post--hentry","post--category-general"],"acf":[],"yoast_head":"\nUtilisation d\u2019un service de paiement - Nouvelles dispositions - Credit Expo Belgi\u00eb<\/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:\/\/acc.creditexpo.be\/\/fr\/utilisation-dun-service-de-paiement-nouvelles-dispositions\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Utilisation d\u2019un service de paiement - Nouvelles dispositions - Credit Expo Belgi\u00eb\" \/>\n<meta property=\"og:description\" content=\"A partir du 9 ao\u00fbt 2018, la loi du 19 juillet 2018 en mati\u00e8re de services de paiement entre en vigueur. Elle contient plusieurs dispositions importantes pour la protection du consommateur qui recourt \u00e0 des services de paiement.   Interdiction des frais pour l\u2019utilisation d\u2019un instrument de paiement   Interdiction pour le commer\u00e7ant de facturer […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/acc.creditexpo.be\/\/fr\/utilisation-dun-service-de-paiement-nouvelles-dispositions\/\" \/>\n<meta property=\"og:site_name\" content=\"Credit Expo Belgi\u00eb\" \/>\n<meta property=\"article:published_time\" content=\"2018-08-14T13:16:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-08-31T13:16:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/acc.creditexpo.be\/\/wp-content\/uploads\/2018\/08\/fraude-cybercrime-oplichting-1024x660-1024x630.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Serge van Groningen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Credit_Expo_BE\" \/>\n<meta name=\"twitter:site\" content=\"@Credit_Expo_BE\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Serge van Groningen\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/utilisation-dun-service-de-paiement-nouvelles-dispositions\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/utilisation-dun-service-de-paiement-nouvelles-dispositions\\\/\"},\"author\":{\"name\":\"Serge van Groningen\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/#\\\/schema\\\/person\\\/166c6c471a30e12ff7a1cdcc7f4d13d6\"},\"headline\":\"Utilisation d\u2019un service de paiement – Nouvelles dispositions\",\"datePublished\":\"2018-08-14T13:16:35+00:00\",\"dateModified\":\"2018-08-31T13:16:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/utilisation-dun-service-de-paiement-nouvelles-dispositions\\\/\"},\"wordCount\":436,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/utilisation-dun-service-de-paiement-nouvelles-dispositions\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/acc.creditexpo.be\\\/wp-content\\\/uploads\\\/2018\\\/08\\\/fraude-cybercrime-oplichting-1024x660.jpg\",\"articleSection\":[\"General\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/utilisation-dun-service-de-paiement-nouvelles-dispositions\\\/\",\"url\":\"https:\\\/\\\/acc.creditexpo.be\\\/\\\/fr\\\/utilisation-dun-service-de-paiement-nouvelles-dispositions\\\/\",\"name\":\"Utilisation d\u2019un service de paiement - 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