Article 863: General provisions on the calculation of payment orders

1. In calculating payment orders, the payer ' s bank undertakes, upon the order of the payer, to transfer the funds in its bank account to the fundee ' s bank account to this effect. 2. The procedure shall be followed if the bank account contract does not provide for a shorter period of time within the time limits prescribed by law, or if it is not specified by the customs applicable in banking practice. The payment orders are regulated by law, banking rules, customs in banking practice or a contract. 3. The payer ' s bank is entitled to engage other banks (b) 4. The rules of this paragraph shall apply to relations relating to the settlement of money transfer orders. without opening a bank account, taking into account the particulars provided for in article 866.1 of the present Code.