36.—(1) A payment service provider must provide or make available to the payment service user the information specified in paragraph (2), whether by supplying a copy of the draft single payment service contract or supplying a copy of the draft payment order or otherwise, either—
(a)before the payment service user is bound by the single payment service contract; or
(b)immediately after the execution of the payment transaction, where the contract is concluded at the payment service user’s request using a means of distance communication which does not enable provision of such information in accordance with sub-paragraph (a).
(2) The information referred to in paragraph (1) is—
(a)the information or unique identifier that has to be provided by the payment service user in order for a payment order to be properly executed;
(b)the maximum time in which the payment service will be executed;
(c)the charges payable by the payment service user to the user’s payment service provider and, where applicable, a breakdown of the amounts of such charges;
(d)where applicable, the actual or reference exchange rate to be applied to the payment transaction; and
(e)such of the information specified in Schedule 4 as is relevant to the single payment service contract in question.
37.—(1) The payer’s payment service provider must, immediately after receipt of the payment order, provide or make available to the payer the information specified in paragraph (2).
(2) The information referred to in paragraph (1) is—
(a)a reference enabling the payer to identify the payment transaction and, where appropriate, information relating to the payee;
(b)the amount of the payment transaction in the currency used in the payment order;
(c)the amount of any charges for the payment transaction payable by the payer and, where applicable, a breakdown of the amounts of such charges;
(d)where an exchange rate is used in the payment transaction and the actual rate used in the payment transaction differs from the rate provided in accordance with regulation 36(2)(d), the actual rate used or a reference to it, and the amount of the payment transaction after that currency conversion; and
(e)the date on which the payment service provider received the payment order.
38.—(1) The payee’s payment service provider must, immediately after the execution of the payment transaction, provide or make available to the payee the information specified in paragraph (2).
(2) The information referred to in paragraph (1) is—
(a)a reference enabling the payee to identify the payment transaction and, where appropriate, the payer and any information transferred with the payment transaction;
(b)the amount of the payment transaction in the currency in which the funds are at the payee’s disposal;
(c)the amount of any charges for the payment transaction payable by the payee and, where applicable, a breakdown of the amount of such charges;
(d)where applicable, the exchange rate used in the payment transaction by the payee’s payment service provider, and the amount of the payment transaction before that currency conversion; and
(e)the credit value date.
39. Where a payment order for a single payment transaction is transmitted by way of a payment instrument issued under a framework contract, the payment service provider in respect of that single payment transaction need not provide or make available under regulations 36 to 38 information which has been provided or made available, or will be provided or made available, under regulations 40 to 45 by another payment service provider in respect of the framework contract.