Article 87

(1) Subject to Article 90 of the Implementing Regulation , a Payment Service Provider is liable for Unauthorized Payment Transactions. (2) Where a Payment Service User raises a Complaint in relation to an allegedly fraudulent Payment Transaction, the Payment Service Provider must handle such Complaint in accordance with Article 129 of the Implementing Regulation. (3) If such a Complaint is submitted to SAMA, then the Payment Service Provider must provide evidence that the conditions stated in Paragraph (1) of Article 75 of the Implementing Regulation are met and present such evidence to SAMA. SAMA will then seek to decide if such conditions are met.