For payment instruments that under the framework contract solely concern individual transactions not exceeding EUR 30, or that have either a spending limit of EUR 150 or store funds not exceeding EUR 150 at any time, payment service providers may agree with users specified derogations: (a) Article 69(1)(b), Articles 70(1)(c) and (d) and Article 74(3) need not apply if the instrument cannot be blocked or its further use prevented; (b) Articles 72 and 73 and Article 74(1) and (3) need not apply where the instrument is used anonymously or the provider cannot, for intrinsic reasons of the instrument, prove that a transaction was authorised; (c) by derogation from Article 79(1) no notification of refusal is required if non‑execution is apparent from the context; (d) by derogation from Article 80 the payer may not revoke the order after transmission or after giving consent to the payee; (e) by derogation from Articles 83 and 84 alternative execution periods may apply.

For national payment transactions Member States or their competent authorities may reduce or double the amounts in paragraph 1 and may increase them for prepaid payment instruments up to EUR 500. Articles 73 and 74 apply also to electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC, except where the payer's payment service provider does not have the ability to freeze the payment account on which the electronic money is stored or to block the payment instrument; Member States may limit that derogation to payment accounts on which the electronic money is stored or to payment instruments of a certain value.