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Rechtsanwalt Marian Härtel - ITMediaLaw

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Rechtsanwalt Marian Härtel - ITMediaLaw

Online shops and payment services supervision law

18. March 2019
in Online retail
Reading Time: 2 mins read
0 0
A A
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money transfer

Some online services offer a fiduciary process for your business model when customers interact with each other. This is also useful per se, as it allows cash flows to be controlled and, if necessary, fees for the use of the platform to be withheld. This may apply to marketplaces selling third-party objects or rights, as well as providers of other business models and online services that, for whatever reason, seek to prevent direct cash flows between individual customers from taking place, for example, because smaller payment amounts are otherwise to be feared by large amounts of payment.

However, when offering such a procedure/model, there is a major problem to be taken into account, namely the Payment Services Supervision Act (ZAG). This regulates requirements for payment services and provides for any necessary approvals from BaFin, the Federal Financial Supervisory Authority.

The ZAG is certainly one of the most complicated laws, especially because the legislator is no longer able to write comprehensible norms. An example of an exception:

Payment transactions executed via a telecommunication, digital or IT device where the goods or services are delivered to and are to be used by means of a telecommunication, digital or IT device, provided that the operator of the telecommunication, digital or IT system or IT network does not act exclusively as an intermediary between the payment service user and the supplier of the goods and services.

Quiz question: Who can tell me when you don’t need a BaFin permit to run an online shop/marketplace?

Unfortunately, there are so far very few judgments and little literature on the subject. Probably the best-known ruling came from the Regional Court of Cologne in 2011 and initially prohibited the delivery service “Lieferheld” from accepting money from customers and later paying this money out to suppliers without having permission to do so. The judgment became final. However, since Lieferheld briefly bought the plaintiffs’ company Pizza.de, it had little effect, except for legal uncertainty.

The standards of the ZAG are long, complicated and full of exceptions and other exceptions. In this case, it is hardly possible to make a sensible decision in this case whether contracts, business models and cash flows can/must be adapted or whether a very complex and complicated approval by BaFin could be useful. At the same time, however, a close examination should be carried out, because in the event of a breach of the ZAG, fines, prohibition orders and possibly even criminal proceedings are threatened; warnings from competitors.

Marian Härtel
Author: Marian Härtel

Marian Härtel ist Rechtsanwalt und Fachanwalt für IT-Recht mit einer über 25-jährigen Erfahrung als Unternehmer und Berater in den Bereichen Games, E-Sport, Blockchain, SaaS und Künstliche Intelligenz. Seine Beratungsschwerpunkte umfassen neben dem IT-Recht insbesondere das Urheberrecht, Medienrecht sowie Wettbewerbsrecht. Er betreut schwerpunktmäßig Start-ups, Agenturen und Influencer, die er in strategischen Fragen, komplexen Vertragsangelegenheiten sowie bei Investitionsprojekten begleitet. Dabei zeichnet sich seine Beratung durch einen interdisziplinären Ansatz aus, der juristische Expertise und langjährige unternehmerische Erfahrung miteinander verbindet. Ziel seiner Tätigkeit ist stets, Mandanten praxisorientierte Lösungen anzubieten und rechtlich fundierte Unterstützung bei der Umsetzung innovativer Geschäftsmodelle zu gewährleisten.

Tags: BeratungCologne Regional CourtdigitalJudgmentsLawsModelserviceSicherheitTestVerträgeWarning

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  • Informationen
    • Ideal partner
    • About lawyer Marian Härtel
    • Quick and flexible access
    • Principles as a lawyer
    • Why a lawyer and business consultant?
    • Focus areas of attorney Marian Härtel
      • Focus on start-ups
      • Investment advice
      • Corporate law
      • Cryptocurrencies, Blockchain and Games
      • AI and SaaS
      • Streamers and influencers
      • Games and esports law
      • IT/IP Law
      • Law firm for GMBH,UG, GbR
      • Law firm for IT/IP and media law
    • The everyday life of an IT lawyer
    • How can I help clients?
    • Testimonials
    • Team: Saskia Härtel – WHO AM I?
    • Agile and lean law firm
    • Price overview
    • Various information
      • Terms
      • Privacy policy
      • Imprint
  • Services
    • Support and advice of agencies
    • Contract review and preparation
    • Games law consulting
    • Consulting for influencers and streamers
    • Advice in e-commerce
    • DLT and Blockchain consulting
    • Legal advice in corporate law: from incorporation to structuring
    • Legal compliance and expert opinions
    • Outsourcing – for companies or law firms
    • Booking as speaker
  • News
    • Gloss / Opinion
    • Law on the Internet
    • Online retail
    • Law and computer games
    • Law and Esport
    • Blockchain and web law
    • Data protection Law
    • Copyright
    • Labour law
    • Competition law
    • Corporate
    • EU law
    • Law on the protection of minors
    • Tax
    • Other
    • Internally
  • Podcast
    • ITMediaLaw Podcast
  • Knowledge base
    • Laws
    • Legal terms
    • Contract types
    • Clause types
    • Forms of financing
    • Legal means
    • Authorities
    • Company forms
    • Tax
    • Concepts
  • Videos
    • Information videos – about Marian Härtel
    • Videos – about me (Couch)
    • Blogpost – individual videos
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