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Administrative Measures for the Payment Services Provided by Non-financial Institutions [Revised]
非金融机构支付服务管理办法 [已被修订]
【法宝引证码】
 
  
  
Order of the People's Bank of China
(No.2 [2010])
Pursuant to the Law of the People's Republic of China on the People's Bank of China and other relevant laws and regulations, the People's Bank of China has formulated the Administrative Measures for the Payment Services Provided by Non-financial Institutions, which were adopted at the 7th governor's executive meeting on May 19, 2010, are hereby promulgated, and shall come into force on September 1, 2010.
Governor: Zhou Xiaochuan
June 14, 2010
Administrative Measures for the Payment Services Provided by Non-financial Institutions
 

中国人民银行令
(〔2010〕第2号)


根据《中华人民共和国中国人民银行法》等法律法规,中国人民银行制定了《非金融机构支付服务管理办法》,经2010年5月19日第7次行长办公会议通过,现予公布,自2010年9月1日起施行。
行长:周小川
二〇一〇年六月十四日
非金融机构支付服务管理办法
Chapter I General Provisions
 

第一章 总  则


Article 1 To enhance the healthy development of the payment service market, regulate the payment services provided by non-financial institutions, prevent payment risks and protect the legitimate rights and interests of the parties concerned, these Measures are formulated pursuant to the Law of the People's Republic of China on the People's Bank of China and other relevant laws and regulations.
   第一条 为促进支付服务市场健康发展,规范非金融机构支付服务行为,防范支付风险,保护当事人的合法权益,根据《中华人民共和国中国人民银行法》等法律法规,制定本办法。
Article 2 The term “payment services provided by non-financial institutions” as mentioned in these Measures refers to some or all of the following monetary capital transfer services provided by non-financial institutions as the middlemen between payers and payees:
   第二条 本办法所称非金融机构支付服务,是指非金融机构在收付款人之间作为中介机构提供下列部分或全部货币资金转移服务:
1. Payment through the network;
 (一)网络支付;
2. Issuance and acceptance of prepaid cards;
 (二)预付卡的发行与受理;
3. Bankcard acquiring; and
 (三)银行卡收单;
4. Other payment services as specified by the People's Bank of China (PBOC).
The term “payment through the network” as mentioned in these Measures refers to the transfer of monetary funds between payers and payees via public or private networks, including currency exchange, internet payment, mobile phone payment, fixed phone payment, digital TV payment, etc.
The term “prepaid cards” as mentioned in these Measures refers to cards with prepaid values which are issued for making profits and are used for buying goods or services at institutions other than the issuer, including those issued in the form of cards or passwords by adopting such technologies as magnetic stripes or chips.
The term “bankcard acquiring” as mentioned in these Measures refers to the collection of monetary funds on behalf of the franchised merchants of bankcards via the POS terminals.
 (四)中国人民银行确定的其他支付服务。
本办法所称网络支付,是指依托公共网络或专用网络在收付款人之间转移货币资金的行为,包括货币汇兑、互联网支付、移动电话支付、固定电话支付、数字电视支付等。
本办法所称预付卡,是指以营利为目的发行的、在发行机构之外购买商品或服务的预付价值,包括采取磁条、芯片等技术以卡片、密码等形式发行的预付卡。
本办法所称银行卡收单,是指通过销售点(POS)终端等为银行卡特约商户代收货币资金的行为。
Article 3 To provide payment services, a non-financial institution shall obtain a Payment Business Permit under these Measures and become a payment institution.
Payment institutions shall be subject to the supervision and administration of the PBOC.
No non-financial institution or individual may directly or indirectly engage in the payment business unless it has been so approved by the PBOC.
   第三条 非金融机构提供支付服务,应当依据本办法规定取得《支付业务许可证》,成为支付机构。
支付机构依法接受中国人民银行的监督管理。
未经中国人民银行批准,任何非金融机构和个人不得从事或变相从事支付业务。
Article 4 The transfer of monetary funds between payment institutions shall be handled at banking financial institutions. Payment institutions may not deposit monetary funds at each other to realize the transfer of monetary funds, or handle the transfer of monetary funds at other payment institutions.
No payment institution may handle the transfer of monetary funds between banking financial institutions, unless it is specially permitted to do so.
   第四条 支付机构之间的货币资金转移应当委托银行业金融机构办理,不得通过支付机构相互存放货币资金或委托其他支付机构等形式办理。
支付机构不得办理银行业金融机构之间的货币资金转移,经特别许可的除外。
Article 5 Payment institutions shall follow the principles of safety, efficiency, honesty and fair competition, and may not damage the national interests, the public interests or the legitimate rights and interests of clients.
   第五条 支付机构应当遵循安全、效率、诚信和公平竞争的原则,不得损害国家利益、社会公共利益和客户合法权益。
Article 6 Payment institutions shall abide by the anti-money laundering provisions and fulfill the anti-money laundering obligations.
   第六条 支付机构应当遵守反洗钱的有关规定,履行反洗钱义务。
Chapter II Application and Permit
 

第二章 申请与许可


Article 7 The PBOC is responsible for the issuance and management of Payment Business Permits.
Applications for Payment Business Permits shall be examined by the local branches of the PBOC and then submitted to the PBOC for approval.
The term “branches of the PBOC” as mentioned in these Measures refers to central sub-branches of the PBOC at sub-provincial cities and branches above that level.
   第七条 中国人民银行负责《支付业务许可证》的颁发和管理。
申请《支付业务许可证》的,需经所在地中国人民银行分支机构审查后,报中国人民银行批准。
本办法所称中国人民银行分支机构,是指中国人民银行副省级城市中心支行以上的分支机构。
Article 8 An applicant for a Payment Business Permit shall meet the following requirements:
   第八条 《支付业务许可证》的申请人应当具备下列条件:
1. It is a limited liability company or joint-stock company legally formed inside the People's Republic of China and it is the corporate body of a non-financial institution;
 (一)在中华人民共和国境内依法设立的有限责任公司或股份有限公司,且为非金融机构法人;
2. Its registered capital has reached the minimum requirements of these Measures;
 (二)有符合本办法规定的注册资本最低限额;
3. It has capital contributors that meet the requirements of these Measures;
 (三)有符合本办法规定的出资人;
4. It has at least 5 senior managers who are specialists in the payment business;
 (四)有5名以上熟悉支付业务的高级管理人员;
5. It has anti-money laundering measures which meet the prescribed requirements;
 (五)有符合要求的反洗钱措施;
6. It haspayment facilities;
 (六)有符合要求的支付业务设施;
7. It has a good organizational structure, sound internal control rules and effective risk control measures;
 (七)有健全的组织机构、内部控制制度和风险管理措施;
8. It has business sites and safety precautions which meet the prescribed requirements; and
 (八)有符合要求的营业场所和安全保障措施;
9. Neither the applicant nor any of its senior managers has received any punishment for any violation or crime committed through the payment business or illegally providing payment services in the last three years.
 (九)申请人及其高级管理人员最近3年内未因利用支付业务实施违法犯罪活动或为违法犯罪活动办理支付业务等受过处罚。
Article 9 The minimum registered capital for an applicant that intends to operate the payment business countrywide is 100 million yuan, while that for an applicant that intends to operate the payment business in a province (autonomous region or municipality directly under the Central Government) is 30 million yuan. The minimum registered capital shall be paid-in monetary capital.
It shall be deemed as operating the payment business countrywide as mentioned in these Measures if an applicant forms a branch office in another province (autonomous region or municipality directly under the Central Government) to operate the payment business or if it makes it possible for its clients to handle the payment business in another province (autonomous region or municipality directly under the Central Government).
The PBOC may adjust the minimum registered capital for applicants pursuant to the relevant laws, regulations and policies of the state.
The business scope of foreign-funded payment institutions, the eligibilities of overseas investors, the ratio of investments of overseas investors and other such matters shall be determined by the PBOC in other initiatives and be submitted to the State Council for approval.
   第九条 申请人拟在全国范围内从事支付业务的,其注册资本最低限额为1亿元人民币;拟在省(自治区、直辖市)范围内从事支付业务的,其注册资本最低限额为3千万元人民币。注册资本最低限额为实缴货币资本。
本办法所称在全国范围内从事支付业务,包括申请人跨省(自治区、直辖市)设立分支机构从事支付业务,或客户可跨省(自治区、直辖市)办理支付业务的情形。
中国人民银行根据国家有关法律法规和政策规定,调整申请人的注册资本最低限额。
外商投资支付机构的业务范围、境外出资人的资格条件和出资比例等,由中国人民银行另行规定,报国务院批准。
Article 10 The major investor of an applicant shall meet the following requirements:
   第十条 申请人的主要出资人应当符合以下条件:
1. It is a legally formed limited liability company or a joint-stock company;
 (一)为依法设立的有限责任公司或股份有限公司;
2. By the date of application, it has provided information processing services for financial institutions for 2 or more years consecutively, or it has provided information processing services for e-commerce activities for two consecutive years or more;
 (二)截至申请日,连续为金融机构提供信息处理支持服务2年以上,或连续为电子商务活动提供信息处理支持服务2年以上;
3. By the date of application, it has been making profits for two consecutive years or more; and
 (三)截至申请日,连续盈利2年以上;
4. It has no record of punishment for any violation or crime committed through the payment business or illegally providing payment services in the last three years.
The term “major investor” as mentioned in these Measures refers to an investor which actually controls the applicant or an investor which holds more than 10% of the applicant's equity.
 (四)最近3年内未因利用支付业务实施违法犯罪活动或为违法犯罪活动办理支付业务等受过处罚。
本办法所称主要出资人,包括拥有申请人实际控制权的出资人和持有申请人10%以上股权的出资人。
Article 11 An applicant shall submit the following documents or materials to the local branch of the PBOC:
   第十一条 申请人应当向所在地中国人民银行分支机构提交下列文件、资料:
1. A written application, which shall bear the applicant's name, domicile, registered capital and organizational setup, the payment business which the applicant applies for, etc.;
 (一)书面申请,载明申请人的名称、住所、注册资本、组织机构设置、拟申请支付业务等;
2. A photocopy of its business license (duplicate);
 (二)公司营业执照(副本)复印件;
3. The bylaws;
 (三)公司章程;
4. A capital assessment certificate;
 (四)验资证明;
5. A financial accounting report which has been audited by an accounting firm;
 (五)经会计师事务所审计的财务会计报告;
6. A feasibility study report on the payment business;
 (六)支付业务可行性研究报告;
7. Checking materials on anti-money laundering measures;
 (七)反洗钱措施验收材料;
8. Technical safety testing certifications;
 (八)技术安全检测认证证明;
9. Resume of its senior managers;
 (九)高级管理人员的履历材料;
10. Clean criminal records of the applicant and its senior managers;
 (十)申请人及其高级管理人员的无犯罪记录证明材料;
11. Materials about the major investor; and
 (十一)主要出资人的相关材料;
12. A declaration on the authenticity of the application materials.
 (十二)申请资料真实性声明。
Article 12 An applicant shall announce the following matters as required after receiving an acceptance notice:
   第十二条 申请人应当在收到受理通知后按规定公告下列事项:
1. Its registered capital and equity structure;
 (一)申请人的注册资本及股权结构;
2. The list, proportions of equity and financial status of the major investors;
 (二)主要出资人的名单、持股比例及其财务状况;
3. The payment business for which it applies;
 (三)拟申请的支付业务;
4. Its business place; and
 (四)申请人的营业场所;
5. Safety certifications on its payment facilities.
 (五)支付业务设施的技术安全检测认证证明。
Article 13 A branch of the PBOC shall accept any application that meets the prescribed requirements, and submit its pre-examination opinion together with the application materials to the PBOC. In the case of approval, the PBOC shall issue a Payment Business Permit and make an announcement thereon.
......
   第十三条 中国人民银行分支机构依法受理符合要求的各项申请,并将初审意见和申请资料报送中国人民银行。中国人民银行审查批准的,依法颁发《支付业务许可证》,并予以公告。
《支付业务许可证》自颁发之日起,有效期5年。支付机构拟于《支付业务许可证》期满后继续从事支付业务的,应当在期满前6个月内向所在地中国人民银行分支机构提出续展申请。中国人民银行准予续展的,每次续展的有效期为5年。
......



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