A payment institution intending to use an agent must notify its home Member State authority of the agent’s name and address; the agent’s internal control mechanisms for compliance with money‑laundering and terrorist‑financing obligations under Directive (EU) 2015/849, updated promptly for material changes; identities of directors and managers and, for non‑payment‑service‑provider agents, evidence of fitness and propriety; the payment services covered; and, if applicable, the agent’s unique identifier.

The authority shall, within two months, confirm entry in the Article 14 register, enabling the agent to commence; authorities may verify information and must refuse listing and notify the institution if not satisfied. Cross‑border provision via an agent or branch must follow Article 28. Institutions must inform the authority when outsourcing operational functions; outsourcing important functions, including ICT, must not materially impair internal control or supervisory monitoring. Senior management retains responsibility and user obligations and authorisation conditions must not be altered. Agents and branches must inform users they act for the institution and institutions must notify changes to outsourced entities or agents without undue delay.