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Obligation to notify suspicion of fraudulent payment transaction

As a payment service provider, you are obliged to restore unauthorised payment transactions. You do this by refunding the amount of an unauthorised transaction to the owner of the payment account from which the amount has been debited.

Notify suspicion of fraud to AFM

There is one exception to this rule. If you, as a payment service provider, have reasonable grounds for suspecting fraud by the payer, you must notify this to the AFM.

How do you notify this?

You can do so by sending an e-mail to meldingenformulier@afm.nl. Please include the following in the subject line of the e-mail: melding vermoeden fraude betalingstransactie

Include the following information in your e-mail:

  • account type of the payer
  • the amount of the suspected fraud
  • date of execution of the payment transaction
  • notification (e.g. e-mail or letter) from the account holder to the payment service provider about the unauthorised payment transaction (including notification date)
  • the objective grounds for your suspicion of fraud
  • status of this customer record
  • communication towards the account holder

For this notification, personal data does not need to be provided. The AFM therefore asks you not to include such data.

The AFM monitors compliance with the obligation to notify. We may investigate your notifications.

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