TFL Vsebine / Revija SIR*IUS

Zakon o plačilnih in javnofinančnih storitvah, kot izhaja iz njegovega naslova, ureja plačilne in javnofinančne storitve za proračunske in druge uporabnike, ki sodelujejo s proračunskimi uporabniki. Te storitve se izvajajo prek Uprave RS za javna plačila (v nadaljevanju UJP), ki ima tudi status ponudnika plačilnih storitev. Obravnavani zakon je nadomestil predhodni Zakon o opravljanju plačilih storitev za proračunske uporabnike. Novi zakon podrobneje ureja posamezne naloge in storitve, ki jih izvaja UJP, pri čemer so posamezna poglavja vsebinsko dopolnjena. Opredeljuje naloge, načela delovanja in organiziranost UJP, register proračunskih uporabnikov, račune in plačilne storitve, negotovinska plačilna mesta, sistem za spletno plačevanje, plačevanje – razporejanje in poročanje o obveznih dajatvah, opravljanje izvršbe na denarna sredstva imetnikov računov, menice in izvršnice, izmenjavo e-računov in e-dokumentov, podporo za poročanje o usklajevanju medsebojnih terjatev in obveznosti za sredstva v upravljanju, nadomestila in stroške, povezane s plačilnimi storitvami, obdelavo osebnih podatkov, hrambo podatkov in dokumentov, informacije javnega značaja in kazenske določbe. Določbe zakona urejajo tudi obveznosti ponudnikov plačilnih storitev, ki pa ne veljajo za Banko Slovenije.

The Law on payment and public financial services, as indicated by its title, regulates payment and public financial services for budget users and other entities that cooperate with them. These services are provided through the Public Payments Administration of the Republic of Slovenia (hereinafter: UJP), which also holds the status of a payment service provider. This Law replaced the previous Law on the provision of payment services to budget users. It offers a more detailed regulation of the individual tasks and services performed by the UJP, with specific chapters substantively expanded. The Law defines the tasks, principles of operation, and organizational structure of the UJP; the register of budget users; accounts and payment services; cashless payment points; and the online payment system. It further regulates the payment, allocation, and reporting of mandatory levies; the enforcement of claims against funds held in account holders’ accounts; bills of exchange and enforcement instruments; the exchange of e-invoices and e-documents; support for reporting on the reconciliation of mutual receivables and liabilities for assets under management; fees and costs related to payment services; the processing of personal data; the retention of data and documents; access to public information; and penal provisions. The provisions of the Law also govern the obligations of payment service providers, which, however, do not apply to the Bank of Slovenia.