Court of Justice (Fifth Chamber) 9 April 2014, C‑616/11 (T-Mobile Austria GmbH v Verein für Konsumenteninformation.)

JUDGMENT OF THE COURT (Fifth Chamber) 9 April 2014 ( *1 ) ‛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