Member States must ensure a payer is entitled to a refund from the payment service provider for an authorised payment initiated by or through a payee that has been executed where: (a) the authorisation did not specify the exact amount; and (b) the amount exceeded what the payer could reasonably have expected in light of previous spending patterns, the framework contract and relevant circumstances. At the payment service provider's request the payer bears the burden of proving these conditions. The refund is the full amount and the payer's account must be credited no later than the date the amount was debited. For direct debits referred to in Article 1 of Regulation (EU) No 260/2012 the payer also has an unconditional right to a refund within the time limits laid down in Article 77 of this Directive.

The payer may not rely on currency exchange reasons for point (b) where the reference exchange rate agreed with its payment service provider was applied. A framework contract may agree that the payer has no right to a refund where the payer gave consent directly to the payment service provider and, where applicable, information on the future payment was provided or made available in an agreed manner to the payer for at least four weeks before the due date by the payment service provider or by the payee. Member States may require more favourable refund rights for direct debits in currencies other than euro under their direct debit schemes, provided they are more advantageous to the payer.