KYB CHINA(2023年11月24日国务院第19次常务会议通过 2023年12月9日中华人民共和国国务院令第768号公布 自2024年5月1日起施行)
(Adopted at the 19th Executive Meeting of the State Council on November 24, 2023, promulgated by Order No. 768 of the State Council of the People's Republic of China on December 9, 2023, and effective as of May 1, 2024)
总 则
General Provisions
为了规范非银行支付机构行为，保护当事人合法权益，防范化解风险，促进非银行支付行业健康发展，根据《中华人民共和国中国人民银行法》、《中华人民共和国电子商务法》等法律，制定本条例。
This Regulation is formulated in accordance with the Law of the People's Republic of China on the People's Bank of China, the E-Commerce Law of the People's Republic of China, and other laws, for the purposes of regulating the conduct of non-bank payment institutions, protecting the legitimate rights and interests of parties, preventing and mitigating risks, and promoting the healthy development of the non-bank payment industry.
本条例所称非银行支付机构，是指在中华人民共和国境内(以下简称境内)依法设立，除银行业金融机构外，取得支付业务许可，从事根据收款人或者付款人(以下统称用户)提交的电子支付指令转移货币资金等支付业务的有限责任公司或者股份有限公司。
For the purposes of this Regulation, "non-bank payment institution" refers to a limited liability company or joint stock company established within the territory of the People's Republic of China (hereinafter referred to as the territory) in accordance with the law, other than banking financial institutions, that has obtained a payment business license and engages in payment businesses such as transferring monetary funds based on electronic payment instructions submitted by payees or payers (hereinafter collectively referred to as users).
中华人民共和国境外(以下简称境外)的非银行机构拟为境内用户提供跨境支付服务的，应当依照本条例规定在境内设立非银行支付机构，国家另有规定的除外。
Where a non-bank institution outside the territory of the People's Republic of China (hereinafter referred to as outside the territory) intends to provide cross-border payment services to users within the territory, it shall establish a non-bank payment institution within the territory in accordance with the provisions of this Regulation, unless otherwise provided by the state.
非银行支付机构开展业务，应当遵守法律、行政法规的规定，遵循安全、高效、诚信和公平竞争的原则，以提供小额、便民支付服务为宗旨，维护国家金融安全，不得损害国家利益、社会公共利益和他人合法权益。
Non-bank payment institutions shall conduct their business in compliance with laws and administrative regulations, follow the principles of safety, efficiency, integrity, and fair competition, aim to provide small-amount and convenient payment services, safeguard national financial security, and shall not harm national interests, public interests, or the legitimate rights and interests of others.
非银行支付机构的监督管理，应当贯彻落实党和国家路线方针政策、决策部署，围绕服务实体经济，统筹发展和安全，维护公平竞争秩序。
The supervision and administration of non-bank payment institutions shall implement the Party and state's guidelines, policies, decisions, and deployments, focus on serving the real economy, coordinate development and security, and maintain fair competition order.
中国人民银行依法对非银行支付机构实施监督管理。中国人民银行的分支机构根据中国人民银行的授权，履行监督管理职责。
The People's Bank of China shall exercise supervision and administration over non-bank payment institutions in accordance with the law. The branches of the People's Bank of China shall perform supervision and administration duties as authorized by the People's Bank of China.
非银行支付机构应当遵守反洗钱和反恐怖主义融资、反电信网络诈骗、防范和处置非法集资、打击赌博等规定，采取必要措施防范违法犯罪活动。
Non-bank payment institutions shall comply with the provisions on anti-money laundering and counter-terrorism financing, anti-telecom and online fraud, prevention and handling of illegal fundraising, combating gambling, and take necessary measures to prevent illegal and criminal activities.
设立、变更与终止
Establishment, Modification, and Termination
设立非银行支付机构，应当经中国人民银行批准，取得支付业务许可。非银行支付机构的名称中应当标明“支付”字样。
The establishment of a non-bank payment institution shall be approved by the People's Bank of China and a payment business permit shall be obtained. The name of a non-bank payment institution shall include the word 'payment'.
未经依法批准，任何单位和个人不得从事或者变相从事支付业务，不得在单位名称和经营范围中使用“支付”字样，法律、行政法规和国家另有规定的除外。支付业务许可被依法注销后，该机构名称和经营范围中不得继续使用“支付”字样。
Without approval according to law, no unit or individual may engage in or covertly engage in payment business, nor use the word 'payment' in the unit name or business scope, unless otherwise provided by laws, administrative regulations, or the state. After the payment business permit is revoked according to law, the institution shall not continue to use the word 'payment' in its name or business scope.
设立非银行支付机构，应当符合《中华人民共和国公司法》的规定，并具备以下条件：
The establishment of a non-bank payment institution shall comply with the provisions of the Company Law of the People's Republic of China and meet the following conditions:
(一)有符合本条例规定的注册资本；
(1) Having registered capital that meets the provisions of these Regulations;
(二)主要股东、实际控制人财务状况和诚信记录良好，最近3年无重大违法违规记录；主要股东、实际控制人为公司的，其股权结构应当清晰透明，不存在权属纠纷；
(2) The major shareholders and actual controllers have good financial status and integrity records, with no major illegal or disciplinary records in the last 3 years; if the major shareholders or actual controllers are companies, their equity structure shall be clear and transparent, with no ownership disputes;
(三)拟任董事、监事和高级管理人员熟悉相关法律法规，具有履行职责所需的经营管理能力，最近3年无重大违法违规记录；
(3) The proposed directors, supervisors, and senior management personnel are familiar with relevant laws and regulations, have the operational management capabilities required to perform their duties, and have no major illegal or disciplinary records in the last 3 years;
(四)有符合规定的经营场所、安全保障措施以及业务系统、设施和技术；
(4) Having business premises, security measures, and business systems, facilities, and technologies that meet the requirements;
(五)有健全的公司治理结构、内部控制和风险管理制度、退出预案以及用户权益保障机制；
(5) Having a sound corporate governance structure, internal control and risk management systems, exit plans, and user rights protection mechanisms;
(六)法律、行政法规以及中国人民银行规章规定的其他审慎性条件。
(6) Other prudential conditions as provided by laws, administrative regulations, and the rules of the People's Bank of China.
设立非银行支付机构的注册资本最低限额为人民币1亿元，且应当为实缴货币资本。
The minimum registered capital for the establishment of a non-bank payment institution is RMB 100 million yuan, and it shall be paid-in monetary capital.
中国人民银行根据非银行支付机构的业务类型、经营地域范围和业务规模等因素，可以提高前款规定的注册资本最低限额。
The People's Bank of China may raise the minimum registered capital specified in the preceding paragraph based on factors such as the business type, geographical scope of operations, and business scale of the non-bank payment institution.
非银行支付机构的股东应当以自有资金出资，不得以委托资金、债务资金等非自有资金出资。
Shareholders of a non-bank payment institution shall contribute capital with their own funds and shall not contribute with entrusted funds, debt funds, or other non-self-owned funds.
申请设立非银行支付机构，应当向中国人民银行提交申请书和证明其符合本条例第七条、第八条规定条件的材料。
To apply for the establishment of a non-bank payment institution, an application letter and materials proving compliance with the conditions set forth in Articles 7 and 8 of these Regulations shall be submitted to the People's Bank of China.
中国人民银行应当自受理申请之日起6个月内作出批准或者不予批准的决定。决定批准的，颁发支付业务许可证并予以公告；决定不予批准的，应当书面通知申请人并说明理由。
The People's Bank of China shall make a decision to approve or disapprove the application within six months from the date of acceptance. If approved, a payment business license shall be issued and publicly announced; if disapproved, the applicant shall be notified in writing with reasons stated.
支付业务许可证应当载明非银行支付机构可以从事的业务类型和经营地域范围。
The payment business license shall specify the types of business and geographical scope of operations that the non-bank payment institution may engage in.
申请人收到支付业务许可证后，应当及时向市场监督管理部门办理登记手续，领取营业执照。
After receiving the payment business license, the applicant shall promptly go through registration procedures with the market supervision and administration department to obtain a business license.
非银行支付机构设立后无正当理由连续2年以上未开展支付业务的，由中国人民银行注销支付业务许可。
If a non-bank payment institution fails to conduct payment business for two consecutive years without justifiable reasons after establishment, the People's Bank of China shall revoke its payment business license.
非银行支付机构的主要经营场所应当与登记的住所保持一致。非银行支付机构拟在住所所在地以外的省、自治区、直辖市为线下经营的特约商户提供支付服务的，应当按照规定设立分支机构，并向中国人民银行备案。
The principal place of business of a non-bank payment institution shall be consistent with its registered address. If a non-bank payment institution intends to provide payment services to offline merchants in provinces, autonomous regions, or municipalities directly under the Central Government other than where its registered address is located, it shall establish branches in accordance with regulations and file with the People's Bank of China.
本条例所称特约商户，是指与非银行支付机构签订支付服务协议，由非银行支付机构按照协议为其完成资金结算的经营主体。
For the purposes of these Regulations, 'merchant' refers to a business entity that enters into a payment service agreement with a non-bank payment institution, whereby the non-bank payment institution completes fund settlement for it in accordance with the agreement.
非银行支付机构办理下列事项，应当经中国人民银行批准：
A non-bank payment institution shall obtain approval from the People's Bank of China for the following matters:
(一)变更名称、注册资本、业务类型或者经营地域范围；
(1) Change of name, registered capital, business type, or scope of business territory;
(二)跨省、自治区、直辖市变更住所；
(2) Change of domicile across provinces, autonomous regions, or municipalities directly under the Central Government;
(三)变更主要股东或者实际控制人；
(3) Change of major shareholders or actual controllers;
(四)变更董事、监事或者高级管理人员；
(4) Change of directors, supervisors, or senior management personnel;
(五)合并或者分立。
(5) Merger or division.
非银行支付机构申请变更名称、注册资本的，中国人民银行应当自受理申请之日起1个月内作出批准或者不予批准的书面决定；申请办理前款所列其他事项的，中国人民银行应当自受理申请之日起3个月内作出批准或者不予批准的书面决定。经批准后，非银行支付机构依法向市场监督管理部门办理相关登记手续。
Where a non-bank payment institution applies to change its name or registered capital, the People's Bank of China shall make a written decision of approval or disapproval within one month from the date of accepting the application; where it applies to change other matters listed in the preceding paragraph, the People's Bank of China shall make a written decision of approval or disapproval within three months from the date of accepting the application. After approval, the non-bank payment institution shall go through the relevant registration procedures with the market supervision and administration department in accordance with the law.
非银行支付机构拟终止支付业务的，应当向中国人民银行申请注销支付业务许可。非银行支付机构申请注销支付业务许可或者被中国人民银行吊销支付业务许可证、撤销支付业务许可的，应当按照规定制定切实保障用户资金和信息安全的方案，并向用户公告。非银行支付机构解散的，还应当依法进行清算，清算过程接受中国人民银行的监督。
Where a non-bank payment institution intends to terminate its payment business, it shall apply to the People's Bank of China for cancellation of the payment business permit. Where a non-bank payment institution applies for cancellation of the payment business permit or its payment business license is revoked or its payment business permit is cancelled by the People's Bank of China, it shall formulate a plan to effectively ensure the safety of user funds and information in accordance with the provisions, and announce it to users. Where a non-bank payment institution is dissolved, it shall also conduct liquidation in accordance with the law, and the liquidation process shall be subject to the supervision of the People's Bank of China.
非银行支付机构办理支付业务许可注销手续后，方可向市场监督管理部门办理变更或者注销登记手续。
A non-bank payment institution may go through the procedures for change or cancellation of registration with the market supervision and administration department only after completing the cancellation procedures for the payment business permit.
支付业务规则
Payment Business Rules
非银行支付业务根据能否接收付款人预付资金，分为储值账户运营和支付交易处理两种类型，但是单用途预付卡业务不属于本条例规定的支付业务。
Non-bank payment business is divided into two types: stored-value account operation and payment transaction processing, depending on whether the payee's prepaid funds can be received. However, single-purpose prepaid card business is not a payment business as defined in these Regulations.
储值账户运营业务和支付交易处理业务的具体分类方式和监督管理规则由中国人民银行制定。
The specific classification methods and supervision and management rules for stored-value account operation business and payment transaction processing business shall be formulated by the People's Bank of China.
非银行支付机构应当按照支付业务许可证载明的业务类型和经营地域范围从事支付业务，未经批准不得从事依法需经批准的其他业务。
A non-bank payment institution shall engage in payment business in accordance with the business type and geographical scope of operation specified in the payment business license, and shall not engage in other businesses requiring approval without authorization.
非银行支付机构不得涂改、倒卖、出租、出借支付业务许可证，或者以其他形式非法转让行政许可。
A non-bank payment institution shall not alter, resell, rent, lend the payment business license, or illegally transfer the administrative license in any other form.
非银行支付机构应当按照审慎经营要求，建立健全并落实合规管理制度、内部控制制度、业务管理制度、风险管理制度、突发事件应急预案以及用户权益保障机制。
A non-bank payment institution shall, in accordance with prudent operation requirements, establish and implement a compliance management system, internal control system, business management system, risk management system, emergency response plan, and user rights protection mechanism.
非银行支付机构应当具备必要和独立的业务系统、设施和技术，按照强制性国家标准以及相关网络、数据安全管理要求，确保支付业务处理的及时性、准确性和支付业务的连续性、安全性、可溯源性。
A non-bank payment institution shall have necessary and independent business systems, facilities, and technologies, and comply with mandatory national standards and relevant network and data security management requirements to ensure the timeliness, accuracy, continuity, security, and traceability of payment business processing.
非银行支付机构的业务系统及其备份应当存放在境内。
The business system and its backup of a non-bank payment institution shall be stored within the territory of China.
非银行支付机构为境内交易提供支付服务的，应当在境内完成交易处理、资金结算和数据存储。
Where a non-bank payment institution provides payment services for domestic transactions, it shall complete transaction processing, fund settlement, and data storage within the territory of China.
非银行支付机构为跨境交易提供支付服务的，应当遵守跨境支付、跨境人民币业务、外汇管理以及数据跨境流动的有关规定。
Where a non-bank payment institution provides payment services for cross-border transactions, it shall comply with the relevant provisions on cross-border payment, cross-border RMB business, foreign exchange management, and cross-border data flow.
非银行支付机构应当与用户签订支付服务协议。非银行支付机构应当按照公平原则拟定协议条款，并在其经营场所、官方网站、移动互联网应用程序等的显著位置予以公示。
A non-bank payment institution shall enter into a payment service agreement with the user. The non-bank payment institution shall draft the agreement terms in accordance with the principle of fairness and display them prominently at its business premises, official website, mobile internet application, etc.
支付服务协议应当明确非银行支付机构与用户的权利义务、支付业务流程、电子支付指令传输路径、资金结算、纠纷处理原则以及违约责任等事项，且不得包含排除、限制竞争以及不合理地免除或者减轻非银行支付机构责任、加重用户责任、限制或者排除用户主要权利等内容。对于协议中足以影响用户是否同意使用支付服务的条款，非银行支付机构应当采取合理方式提示用户注意，并按照用户的要求对该条款予以说明。
The payment service agreement shall specify the rights and obligations of the non-bank payment institution and the user, the payment business process, the transmission path of electronic payment instructions, fund settlement, dispute resolution principles, and liability for breach of contract, and shall not contain content that excludes or restricts competition, or unreasonably exempts or reduces the liability of the non-bank payment institution, increases the user's liability, or restricts or excludes the user's main rights. For terms that may affect the user's decision to agree to use the payment service, the non-bank payment institution shall take reasonable measures to draw the user's attention and explain the terms upon the user's request.
非银行支付机构拟变更协议内容的，应当充分征求用户意见，并在本条第一款规定的显著位置公告满30日后方可变更。非银行支付机构应当以数据电文等书面形式与用户就变更的协议内容达成一致。
If a non-bank payment institution intends to change the content of an agreement, it shall fully solicit user opinions and may only make the change after the announcement has been posted for at least 30 days in the conspicuous location specified in the first paragraph of this Article. The non-bank payment institution shall reach an agreement with the user on the changed content of the agreement in written form such as data messages.
非银行支付机构应当建立持续有效的用户尽职调查制度，按照规定识别并核实用户身份，了解用户交易背景和风险状况，并采取相应的风险管理措施。
A non-bank payment institution shall establish a continuous and effective user due diligence system, identify and verify user identity in accordance with regulations, understand the user's transaction background and risk status, and take corresponding risk management measures.
非银行支付机构不得将涉及资金安全、信息安全等的核心业务和技术服务委托第三方处理。
A non-bank payment institution shall not entrust core business and technical services involving fund security, information security, etc. to a third party for processing.
非银行支付机构应当自行完成特约商户尽职调查、支付服务协议签订、持续风险监测等业务活动。非银行支付机构不得为未经依法设立或者从事非法经营活动的商户提供服务。
A non-bank payment institution shall complete business activities such as due diligence on special merchants, signing of payment service agreements, and continuous risk monitoring on its own. A non-bank payment institution shall not provide services to merchants that have not been established in accordance with the law or that engage in illegal business activities.
从事储值账户运营业务的非银行支付机构为用户开立支付账户的，应当遵守法律、行政法规以及中国人民银行关于支付账户管理的规定。国家引导、鼓励非银行支付机构与商业银行开展合作，通过银行账户为单位用户提供支付服务。
A non-bank payment institution engaged in stored-value account operation business that opens a payment account for a user shall comply with laws, administrative regulations, and the provisions of the People's Bank of China on the management of payment accounts. The state guides and encourages non-bank payment institutions to cooperate with commercial banks to provide payment services for unit users through bank accounts.
前款规定的非银行支付机构应当建立健全支付账户开立、使用、变更和撤销等业务管理和风险管理制度，防止开立匿名、假名支付账户，并采取有效措施保障支付账户安全，开展异常账户风险监测，防范支付账户被用于违法犯罪活动。
The non-bank payment institution mentioned in the preceding paragraph shall establish and improve business management and risk management systems for the opening, use, change, and cancellation of payment accounts, prevent the opening of anonymous or false-name payment accounts, take effective measures to ensure the security of payment accounts, conduct risk monitoring of abnormal accounts, and prevent payment accounts from being used for illegal and criminal activities.
本条例所称支付账户，是指根据用户真实意愿为其开立的，用于发起支付指令、反映交易明细、记录资金余额的电子簿记载体。支付账户应当以用户实名开立。
For the purposes of these Regulations, a payment account refers to an electronic ledger carrier opened based on the user's true intention, used to initiate payment instructions, reflect transaction details, and record fund balances. Payment accounts shall be opened with the user's real name.
任何单位和个人不得非法买卖、出租、出借支付账户。
No unit or individual may illegally buy, sell, rent, or lend payment accounts.
从事储值账户运营业务的非银行支付机构应当将从用户处获取的预付资金及时等值转换为支付账户余额或者预付资金余额。用户可以按照协议约定提取其持有的余额，但是非银行支付机构不得向用户支付与其持有的余额有关的利息等收益。
A non-bank payment institution engaged in stored-value account operation business shall promptly convert the prepaid funds obtained from users into payment account balances or prepaid fund balances at equivalent value. Users may withdraw their held balances in accordance with the agreement, but the non-bank payment institution shall not pay users any interest or other income related to the held balances.
非银行支付机构应当将收款人和付款人信息等必要信息包含在电子支付指令中，确保所传递的电子支付指令的完整性、一致性、可跟踪稽核和不可篡改。
A non-bank payment institution shall include necessary information such as the payee and payer information in the electronic payment instruction, ensuring the integrity, consistency, traceability, auditability, and non-tamperability of the transmitted electronic payment instruction.
非银行支付机构不得伪造、变造电子支付指令。
Non-bank payment institutions shall not forge or alter electronic payment instructions.
非银行支付机构应当以清算机构、银行业金融机构、其他非银行支付机构认可的安全认证方式访问账户，不得违反规定留存银行账户、支付账户敏感信息。
Non-bank payment institutions shall access accounts using security authentication methods recognized by clearing institutions, banking financial institutions, or other non-bank payment institutions, and shall not retain sensitive information of bank accounts or payment accounts in violation of regulations.
非银行支付机构应当根据用户发起的支付指令划转备付金，用户备付金被依法冻结、扣划的除外。
Non-bank payment institutions shall transfer provision funds in accordance with payment instructions initiated by users, except where the user's provision funds are frozen or deducted by law.
本条例所称备付金，是指非银行支付机构为用户办理支付业务而实际收到的预收待付货币资金。
For the purposes of this Regulation, 'provision funds' refers to the monetary funds prepaid and pending payment actually received by non-bank payment institutions for handling payment services for users.
非银行支付机构不得以任何形式挪用、占用、借用备付金，不得以备付金为自己或者他人提供担保。
Non-bank payment institutions shall not misappropriate, occupy, or borrow provision funds in any form, and shall not use provision funds to provide guarantees for themselves or others.
非银行支付机构净资产与备付金日均余额的比例应当符合中国人民银行的规定。
The ratio of the net assets of a non-bank payment institution to the average daily balance of provision funds shall comply with the provisions of the People's Bank of China.
非银行支付机构应当将备付金存放在中国人民银行或者符合中国人民银行要求的商业银行。
Non-bank payment institutions shall deposit provision funds with the People's Bank of China or commercial banks that meet the requirements of the People's Bank of China.
任何单位和个人不得对非银行支付机构存放备付金的账户申请冻结或者强制执行，法律另有规定的除外。
No entity or individual may apply for freezing or compulsory enforcement of the accounts in which non-bank payment institutions deposit provision funds, except as otherwise provided by law.
非银行支付机构应当通过中国人民银行确定的清算机构处理与银行业金融机构、其他非银行支付机构之间合作开展的支付业务，遵守清算管理规定，不得从事或者变相从事清算业务。
Non-bank payment institutions shall handle payment business conducted in cooperation with banking financial institutions and other non-bank payment institutions through clearing institutions determined by the People's Bank of China, comply with clearing management regulations, and shall not engage in or covertly engage in clearing business.
非银行支付机构应当向清算机构及时报送真实、准确、完整的交易信息。
Non-bank payment institutions shall promptly submit true, accurate, and complete transaction information to clearing institutions.
非银行支付机构应当按照结算管理规定为用户办理资金结算业务，采取风险管理措施。
Non-bank payment institutions shall handle fund settlement for users in accordance with settlement management regulations and adopt risk management measures.
非银行支付机构应当妥善保存用户资料和交易记录。有关机关依照法律、行政法规的规定，查询用户资料、交易记录及其持有的支付账户余额或者预付资金余额，或者冻结、扣划用户资金的，非银行支付机构应当予以配合。
Non-bank payment institutions shall properly keep user materials and transaction records. When relevant authorities, in accordance with laws and administrative regulations, inquire about user materials, transaction records, and the balance of payment accounts or prepaid funds held by users, or freeze or deduct user funds, non-bank payment institutions shall cooperate.
非银行支付机构处理用户信息，应当遵循合法、正当、必要和诚信原则，公开用户信息处理规则，明示处理用户信息的目的、方式和范围，并取得用户同意，法律、行政法规另有规定的除外。
When processing user information, non-bank payment institutions shall follow the principles of legality, legitimacy, necessity, and good faith, disclose user information processing rules, clearly indicate the purpose, method, and scope of processing user information, and obtain user consent, unless otherwise provided by laws or administrative regulations.
非银行支付机构应当依照法律、行政法规、国家有关规定和双方约定处理用户信息，不得收集与其提供的服务无关的用户信息，不得以用户不同意处理其信息或者撤回同意等为由拒绝提供服务，处理相关信息属于提供服务所必需的除外。
Non-bank payment institutions shall process user information in accordance with laws, administrative regulations, relevant state provisions, and mutual agreements, and shall not collect user information unrelated to the services they provide, nor refuse to provide services on the grounds that the user does not consent to the processing of their information or withdraws consent, except where processing the relevant information is necessary for providing the service.
非银行支付机构应当对用户信息严格保密，采取有效措施防止未经授权的访问以及用户信息泄露、篡改、丢失，不得非法买卖、提供或者公开用户信息。
Non-bank payment institutions shall keep user information strictly confidential, take effective measures to prevent unauthorized access and the disclosure, alteration, or loss of user information, and shall not illegally buy, sell, provide, or disclose user information.
非银行支付机构与其关联公司共享用户信息的，应当告知用户该关联公司的名称和联系方式，并就信息共享的内容以及信息处理的目的、期限、方式、保护措施等取得用户单独同意。非银行支付机构还应当与关联公司就上述内容以及双方的权利义务等作出约定，并对关联公司的用户信息处理活动进行监督，确保用户信息处理活动依法合规、风险可控。
If a non-bank payment institution shares user information with its affiliated companies, it shall inform the user of the name and contact information of the affiliated company, and obtain the user's separate consent regarding the content of the information sharing and the purpose, duration, method, and protection measures of the information processing. The non-bank payment institution shall also enter into an agreement with the affiliated company on the above content and the rights and obligations of both parties, and supervise the affiliated company's user information processing activities to ensure that the user information processing activities are lawful, compliant, and risk-controllable.
用户发现非银行支付机构违反法律、行政法规、国家有关规定或者双方约定处理其信息的，有权要求非银行支付机构删除其信息并依法承担责任。用户发现其信息不准确或者不完整的，有权要求非银行支付机构更正、补充。
If a user discovers that a non-bank payment institution processes their information in violation of laws, administrative regulations, relevant state provisions, or mutual agreements, the user has the right to request the non-bank payment institution to delete their information and bear liability in accordance with the law. If a user discovers that their information is inaccurate or incomplete, they have the right to request the non-bank payment institution to correct or supplement it.
非银行支付机构相关网络设施、信息系统等被依法认定为关键信息基础设施，或者处理个人信息达到国家网信部门规定数量的，其在境内收集和产生的个人信息的处理应当在境内进行。确需向境外提供的，应当符合法律、行政法规和国家有关规定，并取得用户单独同意。
If the relevant network facilities, information systems, etc. of a non-bank payment institution are legally identified as critical information infrastructure, or if the amount of personal information processed reaches the number specified by the national cyberspace administration, the processing of personal information collected and generated within China shall be conducted within China. If it is truly necessary to provide it abroad, it shall comply with laws, administrative regulations, and relevant state provisions, and obtain the user's separate consent.
非银行支付机构在境内收集和产生的重要数据的出境安全管理，依照法律、行政法规和国家有关规定执行。
The security management of the outbound transfer of important data collected and generated within China by non-bank payment institutions shall be implemented in accordance with laws, administrative regulations, and relevant state provisions.
非银行支付机构应当依照有关价格法律、行政法规的规定，合理确定并公开支付业务的收费项目和收费标准，进行明码标价。
Non-bank payment institutions shall, in accordance with relevant price laws and administrative regulations, reasonably determine and publicly disclose the fee items and fee standards for payment services, and clearly mark the prices.
非银行支付机构应当在经营场所的显著位置以及业务办理途径的关键节点，清晰、完整标明服务内容、收费项目、收费标准、限制条件以及相关要求等，保障用户知情权和选择权，不得收取任何未予标明的费用。
Non-bank payment institutions shall clearly and completely indicate service content, fee items, fee standards, restrictions, and related requirements at prominent locations in their business premises and at key points in the business handling process, to protect users' right to know and choose, and shall not charge any fees not clearly indicated.
非银行支付机构应当及时妥善处理与用户的争议，履行投诉处理主体责任，切实保护用户合法权益。
Non-bank payment institutions shall promptly and properly handle disputes with users, fulfill the primary responsibility for complaint handling, and effectively protect the legitimate rights and interests of users.
国家鼓励用户和非银行支付机构之间运用调解、仲裁等方式解决纠纷。
The state encourages the use of mediation, arbitration, and other methods to resolve disputes between users and non-bank payment institutions.
监 督 管 理
Supervision and Administration
非银行支付机构的控股股东、实际控制人应当遵守非银行支付机构股权管理规定，不得存在以下情形：
Controlling shareholders and actual controllers of non-bank payment institutions shall comply with the equity management regulations for non-bank payment institutions and shall not engage in the following circumstances:
(一)通过特定目的载体或者委托他人持股等方式规避监管；
(1) Evading supervision through special purpose vehicles or entrusting others to hold shares;
(二)通过违规开展关联交易等方式损害非银行支付机构或者其用户的合法权益；
(2) Damaging the legitimate rights and interests of non-bank payment institutions or their users through illegal related party transactions;
(三)其他可能对非银行支付机构经营管理产生重大不利影响的情形。
(3) Other circumstances that may have a significant adverse impact on the operation and management of non-bank payment institutions.
同一股东不得直接或者间接持有两个及以上同一业务类型的非银行支付机构10%以上股权或者表决权。同一实际控制人不得控制两个及以上同一业务类型的非银行支付机构，国家另有规定的除外。
The same shareholder shall not directly or indirectly hold 10% or more of the equity or voting rights in two or more non-bank payment institutions of the same business type. The same actual controller shall not control two or more non-bank payment institutions of the same business type, unless otherwise provided by the state.
非银行支付机构应当按照规定向中国人民银行报送支付业务信息、经审计的财务会计报告、经营数据报表、统计数据，以及中国人民银行要求报送的与公司治理、业务运营相关的其他资料。
Non-bank payment institutions shall, in accordance with regulations, submit to the People's Bank of China payment business information, audited financial accounting reports, business data statements, statistical data, and other materials related to corporate governance and business operations as required by the People's Bank of China.
中国人民银行按照规定对非银行支付机构进行分类评级，并根据分类评级结果实施分类监督管理。
The People's Bank of China shall, in accordance with regulations, conduct classification and rating of non-bank payment institutions, and implement differentiated supervision based on the classification and rating results.
中国人民银行依法制定系统重要性非银行支付机构的认定标准和监督管理规则。
The People's Bank of China shall, in accordance with the law, formulate the criteria for identifying systemically important non-bank payment institutions and the rules for their supervision and administration.
中国人民银行依法履行职责，有权采取下列措施：
When performing its duties in accordance with the law, the People's Bank of China has the authority to take the following measures:
(一)对非银行支付机构进行现场检查和非现场监督管理；
(1) Conduct on-site inspections and off-site supervision of non-bank payment institutions;
(二)进入涉嫌违法违规行为发生场所调查取证；
(2) Enter the premises where suspected illegal or irregular activities occur to investigate and collect evidence;
(三)询问当事人和与被调查事件有关的单位和个人，要求其对与被调查事件有关的事项作出说明；
(3) Question the parties involved and the entities or individuals related to the investigated incident, and require them to provide explanations on matters related to the investigation;
(四)查阅、复制当事人和与被调查事件有关的单位和个人的相关文件、资料和业务系统；对可能被转移、隐匿或者毁损的文件、资料和业务系统，可以予以封存、扣押；
(4) Review and copy relevant documents, materials, and business systems of the parties involved and the entities or individuals related to the investigated incident; seal or seize documents, materials, and business systems that may be transferred, concealed, or destroyed;
(五)经中国人民银行或者其省一级派出机构负责人批准，查询当事人和与被调查事件有关的单位账户信息。
(5) With the approval of the People's Bank of China or the head of its provincial-level branch, inquire about the account information of the parties involved and the entities or individuals related to the investigated incident.
为防范风险、维护市场秩序，中国人民银行可以采取责令改正、监管谈话、出具警示函、向社会发布风险提示等措施。
To prevent risks and maintain market order, the People's Bank of China may take measures such as ordering rectification, conducting regulatory talks, issuing warning letters, and issuing risk warnings to the public.
中国人民银行依法履行职责，进行现场检查或者调查，其现场检查、调查的人员不得少于2人，并应当出示合法证件和执法文书。现场检查、调查的人员少于2人或者未出示合法证件和执法文书的，被检查、调查的单位和个人有权拒绝。
When performing on-site inspections or investigations in accordance with the law, the People's Bank of China shall have no fewer than two inspectors, and shall present valid credentials and enforcement documents. If the number of inspectors is fewer than two or they fail to present valid credentials and enforcement documents, the entity or individual under inspection or investigation has the right to refuse.
中国人民银行依法履行职责，被检查、调查的单位和个人应当配合，如实提供有关文件、资料和业务系统，不得拒绝、阻挠和隐瞒。
When the People's Bank of China lawfully performs its duties, the entities and individuals under inspection or investigation shall cooperate, truthfully provide relevant documents, materials, and business systems, and shall not refuse, obstruct, or conceal.
非银行支付机构发生对其经营发展、支付业务稳定性和连续性、用户合法权益产生重大影响事项的，应当按照规定向中国人民银行报告。
If a non-bank payment institution experiences matters that have a significant impact on its business development, the stability and continuity of payment services, or the legitimate rights and interests of users, it shall report to the People's Bank of China in accordance with regulations.
非银行支付机构的主要股东拟质押非银行支付机构股权的，应当按照规定向中国人民银行报告，质押的股权不得超过该股东所持有该非银行支付机构股权总数的50%。
If a major shareholder of a non-bank payment institution intends to pledge the equity of the non-bank payment institution, it shall report to the People's Bank of China in accordance with regulations, and the pledged equity shall not exceed 50% of the total equity of the non-bank payment institution held by that shareholder.
非银行支付机构不得实施垄断或者不正当竞争行为，妨害市场公平竞争秩序。
Non-bank payment institutions shall not engage in monopolistic or unfair competition practices that impede fair market competition order.
中国人民银行在履行职责中发现非银行支付机构涉嫌垄断或者不正当竞争行为的，应当将相关线索移送有关执法部门，并配合其进行查处。
If the People's Bank of China discovers, in the course of performing its duties, that a non-bank payment institution is suspected of monopolistic or unfair competition practices, it shall transfer the relevant leads to the relevant law enforcement departments and cooperate with them in investigation and punishment.
非银行支付机构发生风险事件的，应当按照规定向中国人民银行报告。
If a non-bank payment institution experiences a risk event, it shall report to the People's Bank of China in accordance with regulations.
中国人民银行可以根据需要将风险情况通报非银行支付机构住所所在地地方人民政府。地方人民政府应当配合中国人民银行做好相关风险处置工作，维护社会稳定。
The People's Bank of China may, as needed, notify the local people's government where the non-bank payment institution is domiciled of the risk situation. The local people's government shall cooperate with the People's Bank of China in carrying out relevant risk disposal work to maintain social stability.
非银行支付机构发生风险事件影响其正常运营、损害用户合法权益的，中国人民银行可以区分情形，对非银行支付机构采取下列措施：
If a risk event occurs at a non-bank payment institution that affects its normal operation or damages the legitimate rights and interests of users, the People's Bank of China may, depending on the circumstances, take the following measures against the non-bank payment institution:
(一)责令主要股东履行补充资本的监管承诺；
(1) Order major shareholders to fulfill regulatory commitments to replenish capital;
(二)限制重大资产交易；
(2) Restrict major asset transactions;
(三)责令调整董事、监事、高级管理人员或者限制其权利。
(3) Order the adjustment of directors, supervisors, or senior management personnel, or restrict their rights.
中国人民银行及其工作人员对监督管理工作中知悉的国家秘密、商业秘密和个人信息，应当予以保密。
The People's Bank of China and its staff shall keep confidential any state secrets, trade secrets, and personal information learned during supervision and administration work.
中国人民银行应当依照法律、行政法规和国家有关规定，完善非银行支付机构行业风险防范化解措施，化解非银行支付机构风险。
The People's Bank of China shall, in accordance with laws, administrative regulations, and relevant state provisions, improve measures for preventing and resolving risks in the non-bank payment institution industry, and mitigate risks of non-bank payment institutions.
法 律 责 任
Legal Liability
未经依法批准，擅自设立非银行支付机构、从事或者变相从事支付业务的，由中国人民银行依法予以取缔，没收违法所得，违法所得50万元以上的，并处违法所得1倍以上5倍以下罚款；没有违法所得或者违法所得不足50万元的，单处或者并处50万元以上200万元以下罚款。对其法定代表人或者主要负责人、直接负责的主管人员和其他直接责任人员给予警告，并处10万元以上50万元以下罚款。地方人民政府应当予以配合。
Anyone who establishes a non-bank payment institution without legal approval, engages in or covertly engages in payment business, shall be banned by the People's Bank of China according to law, with illegal gains confiscated. If the illegal gains are 500,000 yuan or more, a fine of 1 to 5 times the illegal gains shall be imposed; if there are no illegal gains or the illegal gains are less than 500,000 yuan, a fine of 500,000 yuan to 2 million yuan shall be imposed singly or concurrently. A warning and a fine of 100,000 yuan to 500,000 yuan shall be imposed on its legal representative or principal responsible person, directly responsible supervisors, and other directly responsible personnel. Local people's governments shall cooperate.
以欺骗、虚假出资、循环注资或者利用非自有资金出资等不正当手段申请设立、合并或者分立非银行支付机构、变更非银行支付机构主要股东或者实际控制人，未获批准的，申请人1年内不得再次申请或者参与申请相关许可。申请已获批准的，责令其终止支付业务，撤销相关许可，没收违法所得，违法所得50万元以上的，并处违法所得1倍以上5倍以下罚款；没有违法所得或者违法所得不足50万元的，并处50万元以上200万元以下罚款；申请人3年内不得再次申请或者参与申请相关许可。
If an applicant uses improper means such as fraud, false capital contribution, circular capital injection, or capital contribution with non-self-owned funds to apply for establishment, merger, or division of a non-bank payment institution, or to change major shareholders or actual controllers, and the application is not approved, the applicant shall not apply for or participate in applying for the relevant license again within one year. If the application has been approved, the applicant shall be ordered to terminate the payment business, the relevant license shall be revoked, illegal gains shall be confiscated. If the illegal gains are 500,000 yuan or more, a fine of 1 to 5 times the illegal gains shall be imposed; if there are no illegal gains or the illegal gains are less than 500,000 yuan, a fine of 500,000 yuan to 2 million yuan shall be imposed concurrently; the applicant shall not apply for or participate in applying for the relevant license again within three years.
非银行支付机构违反本条例规定，有下列情形之一的，责令其限期改正，给予警告、通报批评，没收违法所得，违法所得10万元以上的，可以并处违法所得1倍以上5倍以下罚款；没有违法所得或者违法所得不足10万元的，可以并处50万元以下罚款；情节严重或者逾期不改正的，限制部分支付业务或者责令停业整顿：
If a non-bank payment institution violates the provisions of this Regulation under any of the following circumstances, it shall be ordered to correct within a time limit, given a warning, a notice of criticism, and its illegal gains shall be confiscated. If the illegal gains are 100,000 yuan or more, a fine of 1 to 5 times the illegal gains may be imposed; if there are no illegal gains or the illegal gains are less than 100,000 yuan, a fine of up to 500,000 yuan may be imposed; if the circumstances are serious or the institution fails to correct within the time limit, part of its payment business shall be restricted or it shall be ordered to suspend business for rectification:
(一)未在名称中使用“支付”字样；
(1) Failure to use the word 'payment' in its name;
(二)未建立健全或者落实有关合规管理制度、内部控制制度、业务管理制度、风险管理制度、突发事件应急预案或者用户权益保障机制；
(2) Failure to establish or implement relevant compliance management systems, internal control systems, business management systems, risk management systems, emergency response plans, or user rights protection mechanisms;
(三)相关业务系统、设施或者技术不符合管理规定；
(3) Relevant business systems, facilities, or technologies do not meet management requirements;
(四)未按照规定报送、保存相关信息、资料或者公示相关事项、履行报告要求；
(4) failing to report, preserve relevant information or materials, or disclose relevant matters, or fulfill reporting requirements as required;
(五)未经批准变更本条例第十三条第一款第一项、第二项或者第四项规定的事项，或者未按照规定设立分支机构。
(5) changing matters specified in items (1), (2) or (4) of paragraph 1 of Article 13 of these Regulations without approval, or failing to establish branches as required.
非银行支付机构违反本条例规定，有下列情形之一的，责令其限期改正，给予警告、通报批评，没收违法所得，违法所得50万元以上的，并处违法所得1倍以上5倍以下罚款；没有违法所得或者违法所得不足50万元的，并处100万元以下罚款；情节严重或者逾期不改正的，限制部分支付业务或者责令停业整顿，直至吊销其支付业务许可证：
Where a non-bank payment institution violates the provisions of these Regulations and falls under any of the following circumstances, it shall be ordered to make corrections within a time limit, given a warning, circulated a notice of criticism, and have its illegal gains confiscated; if the illegal gains are more than 500,000 yuan, a fine of not less than 1 time but not more than 5 times the illegal gains shall be imposed; if there are no illegal gains or the illegal gains are less than 500,000 yuan, a fine of not more than 1 million yuan shall be imposed; if the circumstances are serious or the institution fails to make corrections within the time limit, its partial payment business shall be restricted or it shall be ordered to suspend business for rectification, up to revocation of its payment business license:
(一)未按照规定与用户签订支付服务协议，办理资金结算，采取风险管理措施；
(1) failing to sign a payment service agreement with users, handle fund settlement, or take risk management measures as required;
(二)未按照规定完成特约商户尽职调查、支付服务协议签订、持续风险监测等业务活动；
(2) failing to complete due diligence on special merchants, sign payment service agreements, conduct continuous risk monitoring and other business activities as required;
(三)将核心业务或者相关技术服务委托第三方处理；
(3) outsourcing core business or related technical services to a third party;
(四)违规开立支付账户，或者除非法买卖、出租、出借支付账户外，支付账户被违规使用；
(4) opening payment accounts in violation of regulations, or payment accounts being used in violation of regulations except for illegal trading, renting, or lending of payment accounts;
(五)违规向用户支付利息等收益，或者违规留存银行账户、支付账户敏感信息；
(5) illegally paying interest or other benefits to users, or illegally retaining sensitive information of bank accounts or payment accounts;
(六)未按照规定存放、划转备付金；
(6) failing to deposit or transfer reserve funds as required;
(七)未遵守跨境支付相关规定；
(7) failing to comply with relevant provisions on cross-border payments;
(八)未按照规定终止支付业务。
(8) Failing to terminate payment business in accordance with regulations.
非银行支付机构违反本条例规定，有下列情形之一的，责令其限期改正，给予警告、通报批评，没收违法所得，违法所得50万元以上的，并处违法所得1倍以上5倍以下罚款；没有违法所得或者违法所得不足50万元的，并处50万元以上200万元以下罚款；情节严重或者逾期不改正的，限制部分支付业务或者责令停业整顿，直至吊销其支付业务许可证：
If a non-bank payment institution violates these regulations and has any of the following circumstances, it shall be ordered to make corrections within a specified period, given a warning, criticized in a circular, and have its illegal gains confiscated. If the illegal gains are 500,000 yuan or more, a fine of not less than one time but not more than five times the illegal gains shall be imposed; if there are no illegal gains or the illegal gains are less than 500,000 yuan, a fine of not less than 500,000 yuan but not more than 2 million yuan shall be imposed. If the circumstances are serious or the institution fails to make corrections within the specified period, its payment business shall be restricted or it shall be ordered to suspend operations for rectification, up to revocation of its payment business license:
(一)涂改、倒卖、出租、出借支付业务许可证，或者以其他形式非法转让行政许可；
(1) Altering, selling, leasing, lending the payment business license, or illegally transferring the administrative license in other forms;
(二)超出经批准的业务类型或者经营地域范围开展支付业务；
(2) Conducting payment business beyond the approved business type or geographical scope;
(三)为非法从事非银行支付业务的单位或者个人提供支付业务渠道；
(3) Providing payment business channels for units or individuals illegally engaged in non-bank payment business;
(四)未经批准变更主要股东或者实际控制人，合并或者分立；
(4) Changing major shareholders or actual controllers, merging or splitting without approval;
(五)挪用、占用、借用备付金，或者以备付金为自己或者他人提供担保；
(5) Misappropriating, occupying, borrowing customer reserve funds, or using customer reserve funds to provide guarantees for oneself or others;
(六)无正当理由中断支付业务，或者未按照规定处理电子支付指令；
(6) Interrupting payment business without justifiable reasons, or failing to process electronic payment instructions in accordance with regulations;
(七)开展或者变相开展清算业务；
(7) Conducting or conducting in disguised form clearing business;
(八)拒绝、阻挠、逃避检查或者调查，或者谎报、隐匿、销毁相关文件、资料或者业务系统。
(8) Refusing, obstructing, evading inspection or investigation, or falsely reporting, concealing, destroying relevant documents, materials, or business systems.
非银行支付机构违反本条例规定处理用户信息、业务数据的，依照《中华人民共和国个人信息保护法》、《中华人民共和国网络安全法》、《中华人民共和国数据安全法》等有关规定进行处罚。
If a non-bank payment institution processes user information or business data in violation of this Regulation, it shall be punished in accordance with the relevant provisions of the Personal Information Protection Law of the People's Republic of China, the Cybersecurity Law of the People's Republic of China, the Data Security Law of the People's Republic of China, and other relevant laws.
非银行支付机构未按照规定建立用户尽职调查制度，履行相关义务，或者存在外汇、价格违法行为的，以及任何单位和个人非法买卖、出租、出借支付账户的，由有关主管部门依照有关法律、行政法规进行处罚。
If a non-bank payment institution fails to establish a user due diligence system as required, fails to perform relevant obligations, or commits foreign exchange or price violations, or if any unit or individual illegally buys, sells, rents, or lends payment accounts, the relevant competent authority shall impose penalties in accordance with relevant laws and administrative regulations.
非银行支付机构未经批准从事依法需经批准的其他业务的，依照有关法律、行政法规进行处罚。
If a non-bank payment institution engages in other businesses that require approval without obtaining such approval, it shall be punished in accordance with relevant laws and administrative regulations.
非银行支付机构的控股股东、实际控制人违反本条例规定，有下列情形之一的，责令其限期改正，给予警告、通报批评，没收违法所得，违法所得10万元以上的，并处违法所得1倍以上5倍以下罚款；没有违法所得或者违法所得不足10万元的，并处10万元以上50万元以下罚款：
If a controlling shareholder or actual controller of a non-bank payment institution violates this Regulation in any of the following circumstances, it shall be ordered to rectify within a specified period, given a warning, criticized in a circular, and have its illegal gains confiscated. If the illegal gains are 100,000 RMB or more, a fine of between one and five times the illegal gains shall also be imposed; if there are no illegal gains or the illegal gains are less than 100,000 RMB, a fine of between 100,000 RMB and 500,000 RMB shall also be imposed:
(一)通过特定目的载体或者委托他人持股等方式规避监管；
(1) Evading supervision by holding shares through special purpose vehicles or entrusting others to hold shares;
(二)通过违规开展关联交易等方式损害非银行支付机构或者其用户的合法权益；
(2) Damaging the legitimate rights and interests of the non-bank payment institution or its users through illegal related-party transactions or other means;
(三)违反非银行支付机构股权管理规定。
(3) Violating the equity management regulations for non-bank payment institutions.
非银行支付机构的主要股东违反本条例关于股权质押等股权管理规定的，依照前款规定处罚。
If a major shareholder of a non-bank payment institution violates the equity management regulations of this Regulation regarding equity pledges or other matters, it shall be punished in accordance with the preceding paragraph.
依照本条例规定对非银行支付机构进行处罚的，根据具体情形，可以同时对负有直接责任的董事、监事、高级管理人员和其他人员给予警告、通报批评，单处或者并处5万元以上50万元以下罚款。
When imposing penalties on a non-bank payment institution in accordance with this Regulation, depending on the specific circumstances, a warning or criticism in a circular may also be given to the directors, supervisors, senior managers, and other personnel directly responsible, and a fine of between 50,000 RMB and 500,000 RMB may be imposed individually or concurrently.
非银行支付机构违反本条例规定，情节严重的，对负有直接责任的董事、监事、高级管理人员，可以禁止其在一定期限内担任或者终身禁止其担任非银行支付机构的董事、监事、高级管理人员。
If a non-bank payment institution violates this Regulation under serious circumstances, the directors, supervisors, and senior managers directly responsible may be prohibited from serving as directors, supervisors, or senior managers of a non-bank payment institution for a specified period or permanently.
中国人民银行工作人员有下列情形之一的，依法给予处分：
Where any staff member of the People's Bank of China commits any of the following acts, disciplinary action shall be imposed in accordance with the law:
(一)违反规定审查批准非银行支付机构的设立、变更、终止申请等事项；
(1) Approving the establishment, change, or termination of a non-bank payment institution in violation of regulations;
(二)泄露履行职责过程中知悉的国家秘密、商业秘密或者个人信息；
(2) Disclosing state secrets, commercial secrets, or personal information learned in the course of performing duties;
(三)滥用职权、玩忽职守的其他行为。
(3) Other acts of abuse of power or dereliction of duty.
违反本条例规定，构成犯罪的，依法追究刑事责任。
Where any violation of this Regulation constitutes a crime, criminal liability shall be pursued in accordance with the law.
附 则
Supplementary Provisions
支付清算行业自律组织依法开展行业自律管理活动，接受中国人民银行的指导和监督。
Payment and clearing industry self-regulatory organizations shall carry out industry self-regulatory management activities in accordance with the law and accept the guidance and supervision of the People's Bank of China.
支付清算行业自律组织可以制定非银行支付机构行业自律规范。
Payment and clearing industry self-regulatory organizations may formulate industry self-regulatory norms for non-bank payment institutions.
本条例施行前已按照有关规定设立的非银行支付机构的过渡办法，由中国人民银行规定。
Transitional measures for non-bank payment institutions established in accordance with relevant regulations before the implementation of this Regulation shall be prescribed by the People's Bank of China.
本条例自2024年5月1日起施行。
This Regulation shall come into force on May 1, 2024.