In 2017, the central bank issued a number of new regulations, and several new regulations have expired!
According to the relevant arrangements, the central bank branches will carry out inspections one after another! Considering the Spring Festival factor, the probability of launching before the festival is greater!
For those organizations that have not implemented the new regulations, they believe that they will be further accelerated!
The Central Bank's Notice on Further Strengthening the Remediation of Unlicensed Operation Payment Business (Yin Ban Fa [2017] No. 217, in addition to cutting off the payment service channels of unlicensed institutions, will also comprehensively inspect and severely punish the license-issuing institutions for unlicensed The agency provides violations of payment clearing services.
The "Notice" clearly states that the self-examination phase of the license-issuing agency will be carried out before the end of December 2017. Before the end of February 2018, inspections were carried out by central bank branches. Before the end of April 2018, the head office of the central bank will conduct on-site inspections in person. The most important step, that is, penalties for violations and industry summary will be completed by the end of June 2018.
In the past 2017, under the vigorous rectification of the central bank, the payment industry is ushered in the biggest change in history. The official landing of a series of new policies in 2018 will lay a new pattern for the development of the future payment industry!
Hand brush pos to swipe credit card will limit 1000? Interpretation of the new regulations of the central bank!
The new regulations on the latest 281 document of the Central Bank's "Notice on Regulating Payment Innovation Business" have recently triggered a big discussion in the industry!
In particular, the regulations on credit card credits for small and micro merchants are even more diverse! Some people think that in the future, POS and MPOS will be restricted by credit card swiping for 1,000 yuan/day. What is it actually like?
Let us carefully interpret the contents of the following central bank documents:
Regulate the management of small and micro merchants' acquiring business. For the specific merchants (small and micro merchants) who are exempt from industrial and commercial registration according to laws and regulations and relevant regulatory requirements, the acquiring institution can pass the principle of “know your customerâ€. Review the business owner's identity document and supporting documentation to provide the acquiring service. Auxiliary supporting materials include, but are not limited to, business premises lease agreements or property rights certificates, and certification documents issued by the management of centralized business sites, etc., which reflect the fact that small and micro businesses are actually engaged in commodity or service trading activities.
If the acquiring institution provides the acquiring service for the above-mentioned small and micro merchants, it shall not open the function of accepting the magnetic stripe transaction of the terminal. The acquiring institution shall dynamically adjust the types of bank cards and transaction limits that can be accepted in combination with the risk level of small and micro merchants. The maximum amount of credit card acceptance for all small and micro merchants handled by the same identity card at the same acquiring institution is The total amount is 1 000 yuan per day, and the monthly total is 10,000 yuan.
The clearing institution shall establish a business rules and management system for small and micro merchants to collect orders, and refine risk management measures such as small and micro merchant access, merchant registration, transaction limits and transaction monitoring.
It can be seen that the central bank has a clear definition of small and micro merchants, and it is not completely restricted to hand POS and MPOS!
The new rules of the central bank: merchants scan the code to pay credit card day limit of 1,000 yuan! POS machines are hot...
Recently, the People's Bank of China issued the "Notice of the People's Bank of China on Printing and Distributing <Bar Code Payment Service Specification (Trial)>" (Yinfa [2017] No. 296), supporting the issuance of "Barcode Payment Security Technical Specification (Trial)" and "Barcode Payment Acceptance" Terminal Technical Specification (Trial) (issued by Banking [2017] No. 242), implemented from April 1, 2018.
What are the specific requirements for receiving payment from bargain merchants for bar code payment?
A: Strengthening the management of bar code payment special merchants is to eliminate risk merchants, prevent and contain criminals from using bar code payment services to hide Trojan viruses, conduct money laundering, fraud and other criminal activities, and better protect the legitimate rights and interests of parties involved in bar code payment business. . Considering that the bar code payment service involves bank accounts and payment accounts, and can be applied to network special merchants and entity special merchants, in order to maintain the consistency of the regulatory system and standards, we follow the relevant requirements of bank card acquiring business management, and pay special from bar code payment. Specific management requirements have been clarified in terms of merchant expansion, special merchant approval, special merchant information retention and management, blacklist management, physical merchant localization management, and outsourcing business management. At the same time, in order to balance the demand for small and micro merchants to accept bar code payment, and promote the development of inclusive finance, it is clear that small and micro merchants can accept bar code payment on the premise of meeting the relevant qualification review and certification; at the same time, in order to prevent trading risks such as cashing, The credit card-based barcode payment for all small and micro-businesses with the same identity document at the same acquiring institution shall not exceed 1,000 yuan per day, and the monthly total shall not exceed 10,000 yuan, but the payment of the barcode based on the debit card shall not be accepted. The limit on the amount of payment.
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