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72. Where a payment service user places cash on its payment account with a payment service provider in the same currency as that payment account, the payment service provider must—
(a)if the user is a consumer, micro-enterprise or charity, ensure that the amount is made available and value dated immediately after the receipt of the funds;
(b)in any other case, ensure that the amount is made available and value dated no later than the end of the business day after the receipt of the funds.
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