Article 64 sets the consent rule: a payment transaction is considered to be authorised only if the payer has given consent to execute the payment transaction; consent may be given via a form agreed between the PSU and the PSP. Article 65 establishes the confirmation-of-availability-of-funds mechanism: a card-based PSP issuing a card-based payment instrument linked to a payment account held with another account-servicing PSP (ASPSP) may request the ASPSP to confirm whether an amount necessary for the execution of a card-based payment transaction is available, subject to: (a) explicit consent of the PSU to the requesting PSP; (b) explicit consent of the PSU to the ASPSP at the time of the first request; (c) the answer is limited to a simple yes/no (no balance disclosure); (d) the answer must not allow the requesting PSP to store the response or use it for any other purpose; (e) the PSU must be informed of the request. Article 65 is the legal basis for surcharge-free / immediate funding-check on card payments.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.