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IDProjectCategoryView StatusLast Update
0011571Talerwallet (all platforms)public2026-06-29 23:30
ReporterMarcS Assigned ToChristian Grothoff  
PrioritynormalSeverityfeatureReproducibilityN/A
Status closedResolutionno change required 
Product Version1.8 
Target Version1.6Fixed in Version1.6 
Summary0011571: Need to check whether we need a dedicated button to cancel the last withdrawal for the Eurozone
DescriptionAll webshops need to fulfill the European law (when they sell to Europeans), that within the eligible time (usually 14 days from the arrival of the bought item) there must be a "cancel" button which starts a procedure with a "confirm cancellation" button. The user must be able to cancel without needing to login (might have forgotten the password), but by just entering the same personal details they entered for the online purchase (e.g. as "guest" without creating an account).

In our case, purchase is withdrawing Taler coins, paid by wire transfer. Cancellation means sending the money back via wire-transfer - we do this with the deposit action.
So we might need to add a "Cancel withdrawal" button both in Settings -> Payment Services -> $EXCHANGE (where we already have the "Delete payment service" button which terminates the whole relationship), and on the dedicated withdrawal details view itself.
A deposit should be sufficient, however if there is a withdrawal or deposit fee, neither of them can continue to exist for this cancellation, but the user must get all their money back.

The legal issue is complicated further because in the english law text, the wording is not "cancel", but "withdraw", in the meaning you withdraw from your last purchase.
     "a right of withdrawal for certain consumer contracts concluded at a distance"
Which of course is totally irritating when you legally withdraw from a money withdrawal.
Luckily in German the words are different: Widerrufen vs Abheben.
Additional Informationhttps://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32023L2673

Need to check whether financial services also need to fulfill the new rules for webshops.
These rules were published on 28.11.2023, however each member state had to confirm them to be valid - which Germany just did with effective date 2026-06-19. That's why a lot of publications picked up the cause, e.g. https://www.heise.de/news/Ein-Klick-Neuer-Widerrufsbutton-fuer-Onlinekaeufe-startet-11335138.html
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Christian Grothoff

2026-06-29 23:29

manager   ~0029022

Marc, a payment service is NOT a shop. Please let's have the lawyers worry about the legal stuff.

Issue History

Date Modified Username Field Change
2026-06-28 08:53 MarcS New Issue
2026-06-28 08:55 MarcS Additional Information Updated
2026-06-29 23:29 Christian Grothoff Note Added: 0029022
2026-06-29 23:29 Christian Grothoff Assigned To => Christian Grothoff
2026-06-29 23:29 Christian Grothoff Status new => closed
2026-06-29 23:29 Christian Grothoff Resolution open => no change required
2026-06-29 23:29 Christian Grothoff Fixed in Version => 1.6
2026-06-29 23:30 Christian Grothoff Target Version => 1.6