欧盟正在到2025年通过新的支付规则,以以更有力的核查、退款和平台责任来打击欺诈。 The EU is adopting new payment rules by 2025 to combat fraud with stronger verification, refunds, and platform liability.

欧盟已同意新的支付规则,该规则将于2025年生效,要求采取更强有力的欺诈预防措施,如收款人验证,强制性风险评估和假冒欺诈的客户全额退款. The EU has agreed on new payment rules set to take effect in 2025, requiring stronger fraud prevention measures such as payee verification, mandatory risk assessments, and full customer refunds for impersonation fraud. 付款提供者必须事先披露所有费用,提供支出管制,并冻结可疑交易。 Payment providers must disclose all fees upfront, offer spending controls, and freeze suspicious transactions. 在线平台可能因未能消除已知欺诈行为而被追究责任。 Online platforms may be held liable for failing to remove known fraud. 零售商可提供至多150欧元的现金提款,无需购买。 Retailers can offer cash withdrawals up to €150 without a purchase. 在英国收款人确认制度的启发下,这些规则将在2025年10月之前在欧元区成为强制性规则,计划在2027年之前扩大欧盟的采用范围。 The rules, inspired by the UK’s Confirmation of Payee system, will be mandatory in the eurozone by October 2025, with broader EU adoption planned by 2027. 尚待欧盟机构的最后批准。 Final approval from EU institutions is pending.