Court of Justice 9 April 2014, Case C-616/11: Judgment of the Court (Fifth Chamber) of 9 April 2014 (request for a preliminary ruling from the Oberster Gerichtshof — Austria) — T-Mobile Austria GmbH v Verein für Konsumenteninformation (Directive 2007/64/EC — Payment services — Article 4.23 — Concept of payment instrument — Ordering transfers through online banking and by paper transfer order — Article 52(3) — Right of the payee to request from the payer charges for the use of a payment instrument — Power of Member States to lay down a general prohibition — Contract between a mobile phone operator and individuals)

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