Circulars 46/2014/tt-Nhnn: Guidance On Payment Services Does Not Use The Cash

Original Language Title: Thông tư 46/2014/TT-NHNN: Hướng dẫn về dịch vụ thanh toán không dùng tiền mặt

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STATE BANK
Number: 46 /2014/TT-NHNN
THE SOCIALIST REPUBLIC OF VIETNAM.
Independence-Freedom-Happiness
Hanoi, December 31, 2014

IT ' S SMART

Guidance on payment service not using cash

____________________

Vietnam State Bank Law School No. 46 /2010/QH12 June 16, 2010;

The Code of Credit: 47 /2010/QH12 June 16, 2010;

The Digital Exchange Act. 51 /2005/QH11 November 29, 2005;

Base of Protocol 101 /2012/NĐ-CP November 22, 2012 Government of the payment does not use cash;

Base of Protocol 156 /2013/NĐ-CP November 11, 2013 the Government regulates the functions, duties, powers, and organizational structure of the State Bank of Vietnam;

On the recommendation of the Chief of Payment;

The Governor of the State Bank of Vietnam issued a guide to the non-cash payment service.

Chapter I

GENERAL REGULATION

What? 1. The adjustment range

1. This information guides the non-cash payment service (later known as payment services) through payment service organizations, including services: payment each time through an open payment account at the State Bank of Vietnam (after the payment of a payment service). This is called the State Bank; payment of the order, the mandate; the payment of the collection, the commission; the transfer; the household.

2. The supply of the following payment services are made in accordance with the individual regulations of the State Bank:

a) Inter-bank payment through payment systems organized by the State Bank, administration and operation;

b) check payment, bank card payment through payment service providers.

3. The international payment of the payment of the payment of the payment service is carried out in accordance with the rule of law on foreign exchange management, according to the international treaty that the Socialist Republic of Vietnam is a member and according to the trade volume. specified at paragraph 4, Article 3 of the Code of Credit organizations are applied by the parties.

What? 2. Subject applies

1. The organization of the payment service includes:

a) Bank of State;

b) Commercial banking, policy bank, cooperative bank, foreign bank branch (later known as bank);

c) Human credit fund, microfinance organization.

2. The organization provides payment intermediation service.

3. Organization, personal use of payment services.

What? 3. Explain words

In this Information, the words below are understood as follows:

1. Payment from payment is a type of evidence from bank accounting used as a base for performing payment services.

2. Electronic transaction payment services are the setting, sending, processing of payment commands via electronic means.

3. Cost payment service, proxy mandate (later known as a proxy payment service) is the bank ' s job requirement to pay a certain amount of money on the payment account of the paid party to pay or transfer the money to the payment. The beneficiary. The beneficiary may be the pay side.

4. The payment service, the collection commission (later known as a collection proxy payment service) is the bank ' s implementation at the offer of the beneficiary of a given amount of money on the payment account of the paid party to transfer to the household. It is on the basis of a written agreement on the commission of the payment between the pay and the beneficiary.

5. The procurement service is the organization of the payment service that performs the mandate of the payment party of the paid party on the basis of a written agreement between the organization of the payment service and the beneficiary.

6. The cost service is the organization of the payment service that performs the commission's mandate on behalf of its behalf to pay for the beneficiary on the basis of a written agreement between the payment of the payment service and the pay party.

7. Money transfer service is the organization of the payment service that performs at the request of the paid party to transfer a certain amount of money to the beneficiary. The beneficiary may be the pay side. The money transfer service includes the money transfer service through the payment account and not through the customer's payment account.

What? 4. Payment from Payment

1. Evidence from use in payment must be established, signed, controlled, rotated, managed, used, and preserved in accordance with the provision of the certificate from bank accounting and in accordance with the regulation at this Smart.

2. Evidence from use in payment through the State Bank implemented by the provisions of the State Bank in terms of rules, patterns, printing, release and use.

3. Evidence from use in payment through banking, human credit fund, microfinance organization due to bank, human credit fund, microfinance organization that regulates the rules, patterns, printing, release and guidelines that make sure to match the rule of the public. Payment for each type of service according to the regulation at this level and the provisions of the relevant law.

4. Information, data from electronic evidence must be fully controlled ensuring the legitimacy, validity, and integrity of the information. At the same time, the evidence must be controlled, managed security to prevent and avoid the use of exploitation, intrusion, copying illegal information.

What? 5. Electronic Services Payment Services

The organization that provides payment services upon the supply of electronic transactions payment services must meet the following requirements:

1. Compact on the regulations on the establishment, disposal, use, preservation, storage of electronic evidence under the regulation of the law on electronic transactions in banking operations.

2. Build a payment process in which it ensures that there is sufficient information to be checked, the passport recognizes the customer; meet the technical infrastructure; risk management, safety, security upon the implementation of payment services by electronic modal method. It ' s the Bank of the State Bank for electronic banking.

3. There is a written agreement with the client and the stakeholders, which specifies the rights and obligations of the parties and the mechanism of dispute resolution (if any) according to the rule of law.

4. Compact the regulations of the law on the chamber, fight the money laundering.

What? 6. Regulation of foreign exchange management in payment service

1. The provision of foreign exchange-related payment services must be consistent with the laws of foreign exchange management legislation.

2. The use of foreign currency in the payment service of the resident and the non-resident; the use of the Vietnamese in the payment service of the non-resident and the resident is the foreign individual who must follow the laws of the law on it. Foreign exchange management.

Chapter II

PAYMENT SERVICES THROUGH

PAYMENT SERVICES ORGANIZATION

What? 7. The payment service once passed an open payment account at the State Bank.

1. The organizations open the payment account at the State Bank (which is the paid unit) to submit evidence from payment to the State Bank asking the State Bank to extract its payment account to pay for the beneficiate of the beneficiary unit at the same unit. State banks or transfer money to the beneficiary unit according to appropriate payment systems.

2. Payment process:

a) Set, deliver the certificate from

-For payments of the unit itself to pay: the unit pays the money and the filing from payment (proxy, other appropriate payment certificates) to the State Bank where the payment account is open to a certain amount of money on the bank. the account of your unit to pay or transfer to the beneficiary unit.

-For payments to the customer of the paid unit: the unit pays the base to the customer's magnetic certificates to set up the deposit of certificates from the State Bank (according to Annex 1) and submit to the State Bank. with the evidence from the customer's payment. The table of testimonies from each beneficiary unit; in the case of the payable unit and the beneficiary unit with a different payment account of the province, the city, table of certificates must specify the number of beneficionated accounts, the beneficiary unit.

b)

-When receiving the certificates from the payment unit paid by the unit, the State Bank controls the legalization, the validity of the certificate; the correct match of the match of the evidence sheet with the accompanying magnetic certificates and the payment test of the return unit. Money.

-After the control, if the certificate is not valid, the State Bank reports the unit to pay for correction or return it to the paid unit. If the payment unit is not eligible for payment, the State Bank announces it to add the ability to pay or return the certificate to the paid unit.

If the certificate is valid and the unit pays sufficient payment, the State Bank conducts the payment immediately and handles:

+ The case of a paid unit and an open application unit at the same State Bank unit, the State Bank of the State of the State of the State of the State of the Republic of the Republic of the Republic of the State of the State of the Republic of the Republic of the Republic of the State of the Republic of the Republic of the Republic of the Republic of the Republic of the Republic of the Republic of the Republic of the Republic of the Republic of the operator of the customer for the beneficiary unit (if any).

+ The case of the paid unit and the non-opening beneficiary unit at the same State Bank unit, the State Bank of the State of the State of the Treasury enters the payment unit's payment account, the debt-payment unit and the transfer order passed through the system. Proper payment.

-When receiving a transfer order comes, after controlling and processing the evidence from the regulation of the payment system, the State Bank receives the accounting order into the payment account of the beneficiary unit (or proper account if the beneficiary unit is not available). The payment account at the State Bank, and the report for the beneficionated unit.

What? 8. Cost proxy payment service

1. The sample from the mandate includes the following key elements:

a) What is the word order (or mandate), the number of words;

b) The day, the month, the year of the mandate;

c) Name, address, payment account number of the paid party;

d) The name of the bank that serves the paid side;

The name, the address, the number of the beneficiary's payment accounts.

e) The bank name serves the beneficiary;

g) payment content;

) The amount of money paid in letters and by number;

i) The day, the month, the five commissions have the value of payment;

l) The signature (hand letter to the certificate of paper and the electronic signature for electronic evidence) of the account holder or the holder of the authorized account and the signature of those involved in the law; the unit sign (if any).

The bank is regulated by adding elements of the mandate to suit the requirements of management and the action of the operation of the unit but must ensure consistent compliance with the rule of law.

2. Cost proxy process:

The construction bank, which enacted an internal process that performs the task committee payment, ensures quick, accurate, safe and full-steps handling of the following steps:

a) Set, hand over to proxy

The party pays a mandate to submit to the bank that serves itself (where the payment account is opened) to extract the account paid to the beneficiary. The bank guides its clients, the means of the assignment of the mandate in its unit, ensuring that it is consistent with the regulation at this and the existing regulations of the State Bank.

b) Control proxy

Upon receiving the mandate, the bank must carefully control the legitimacy, the validity of the adjutor, namely:

-For paper from paper: The evidence must be fully controlled, strictly by the State Bank regulation of the evidence regime from the bank accounting, in which: The evidence must be in the correct form, enough of the sum to the accounting and storage. The evidence must be fully writable, clearly, exactly the elements, matching the right content between the contacts, there are enough signatures and marks (if any) of the customer and the bank on all contacts. The signature and signature (if any) of the customer on the evidence must match the registered template at the bank where the account is opened.

-For electronic evidence: The bank has to control the contents of the evidence, the technical information (electronic signatures, the validity of the initialypal, the type, the data format, the magnetic code, etc.) in accordance with the validity of the magnetic certificate.

-The bank must check the balance on the payment account and the payment capacity of the paid party.

If the mandate is not legal, valid or not guaranteed the ability to pay, the bank tells the party to pay for editing, add or return it to the paid side.

c)

-At the bank service to pay:

After the control, if the mandate is legal, valid and guaranteed the ability to pay is handled:

+ If the beneficiary and the pay side has a payment account and the bank it is the slog in the 1 day of work since the time of the customer's mandate (except for another agreement), the bank accounting for the payment of the party's payment. The money, the beneficiary and the debt to the payout, report to the beneficiary.

+ If the beneficiary does not have a payment account at the bank that serves the paid side, the slog at 1 day of work since the time of receiving the customer's mandate (except for another agreement), the bank of the law enters its payment account. Payment of the money, the debt to the paid side, and a transfer order sent to the bank that serves the beneficiary of the appropriate payment system.

-At the commercial bank service:

After receiving a transfer order issued by the bank of the bank, the bank serves the beneficiary to conduct the evidence control and process:

+ If the legal transfer order, valid, the slog in 1 day of work since the time of receiving the transfer order, the bank serves the beneficiary of the beneficiary on the beneficiary's payment account and the report has to the beneficiary.

+ If the transfer order is erronable, the slog delay in 1 day of work since the time of receiving a transfer order, the bank serves the beneficiary to submit a search request or refund the transfer order to the bank serving the pay side. When receiving an answer, during a maximum of 1 working days, the bank serves on the beneficiary of a transfer order or the refund of a transfer order for the bank to serve the pay side.

+ If the beneficiary account is closed, the slog in the 1 day of work since the time of receiving the transfer order, the bank serves on the beneficiary of the refund order transfer order to the bank serving the pay side.

-The beneficiary case does not have a payment account at the bank:

Upon receiving a transfer order, the slog of 1 day of work, the bank controls the evidence, the accounting into the appropriate account and informs the beneficiary. The case of the recipient of the processing cash is as follows:

+ If the beneficiary is personal, when it comes to receiving the customer money the certificate of a people's certificate or passport while the shelf life is used or the other legal alternative (the following is generally optional). In the case of the recipient who is authorized, the publishing of the authorship is in accordance with the provisions of the law. If the beneficiary is the organization, the person who represents the organization to take money aside from the publication of his own identification, it must also be presented with a certificate of proof of a legal representation of that organization.

+ A maximum of 15 days from the date of receiving the transfer of money to if the beneficiary has been notified by the bank but does not come to receive money or unrelate bank to the beneficiary, the bank must order a return to the bank serving the bank. Money.

d) The Bank performs the debt, which is fully informed, timely to the customer according to the method, the time of the Debit, the report has been agreed upon between the bank and the customer in accordance with the rule of law.

What? 9. Payment proxy payment service

1. The sample from the commission of the collection consists of the following key elements:

a) Letter by recording (or commission), the number of words;

b) The date, the month, the year of testimony from the commission;

c) Name, address, number of payment accounts of the beneficiary;

d) The name of the bank serves the beneficiary;

Name, address, payment account number of the paid side;

e) The bank name serves on the pay side;

g) The number of contracts (or orders, agreements) as a base for the collection, amount of evidence attached to it;

h) The content of payment;

i) The amount of money made by writing and by number;

) The date, the month, the five banks serve the payment of payment;

l) The date, the year, the five banks serving the beneficiary receive payment;

m) The signature (hand letter to paper and electronic signatures for electronic evidence) of the account holder or the holder of the authorized account and the signature of those involved in the law; the unit sign (if any).

The bank is to add the elements on the commission to be consistent with the management requirements and the functioning of the operation of the unit but must ensure consistent compliance with the rule of law.

2. The proxy payment process:

The construction bank, which enacted an internal process that performs the collection committee payment, ensures quick, accurate, safe and full-steps handling of the following steps:

a) Set up, deliver

The beneficiary of the delegated mandate is in accordance with the agreement of the agreement between the pay and the beneficiary of the assignment of the collection and other testimonies (if any) send the bank to serve itself or the bank serving the pay side. The bank guides the customer, the method of delivering the certificate from ensuring consistent with the regulation at this level and the existing regulations of the State Bank.

b) Control proxy control

-At the commercial service bank: When receiving the mandate and the associated certificates of the customer, the bank must carefully control the legalization, the validity of the mandated commission is correct in terms of the certificate of the bank accounting. If the mandate is not legal, it is valid that the bank reports to the customer to edit, add or return it to the customer.

-At the bank that serves the pay side: When receiving a committee payment profile, the bank proceeds to control the legal, legal, and balance proxy control over the payment account and the payment capacity of the paid party.

If the commission is revoked, the slog of a 1 day period from the time of the assignment of the assignment, the bank serves the bank to send a request for the search or return the commission to the bank to serve the beneficiary or the beneficiary. If the paid side account is closed, the slog in the 1 day of work since the time of the assignment of receivship, the bank serves to pay back the commission to return the bank to the beneficiary or the beneficiary.

c)

-For the case of the paid party with a payment account at the bank serving the beneficiary:

After the commission's control, the bank checks the payment agreement by proxy between paying and the beneficiary and handling:

+ The case of the paid party authorized the bank to be entitled to automatically quote the payment account of the paid party to pay the collection mandate:

If the paid side guarantees the ability to pay, the slog in the 1 day of work since the time of receiving the mandate, the bank must account for the payment of the paid party, the beneficiary and the debt to the paid side, the report has to the beneficiary.

If the pay side does not guarantee the ability to pay, the slog at 1 day of work since the time of receiving the mandate, the bank must report to the payment party, the beneficiary knows and return the commission to the beneficiary (if the beneficiary requires) Or continue to hold the mandate until the payout guarantees the ability to pay and proceed with the same treatment.

+ The case of an unauthorised payment to the bank is entitled to automatically quote the payment account of the paid party to pay the revenue mandate, the bank must notify the commission to pay for the payment.

If the paid side approved the commission to quote the payment account debt, the slog at 1 day of work since the time of the payment of the payment of the paid party, the bank conducted the accounting process into the payment of the paid party, the beneficiary and the Pay for the payment, report to the beneficiary.

If the paid party does not approve the citation committee, the bank announces immediately and sends the mandate to the beneficiary.

+ The form of authoritalization of the payment of the payment account provided by the bank is consistent with the rule of the authorization law.

-For the case of the pay-side case there is no payment account at the bank serving the beneficiary:

+ After control of the legal, valid, bank-serving bank with the form of a conformable form of evidence has been processed and delayed in 1 day of work since the time of the assignment of the commission, the bank sent it to the bank. Pay.

+ Upon receiving the commission and the accompanying certificate (if any) caused by the bank to serve as a beneficiary or the beneficiary of the deposit, after the control of the legal, valid, bank of the bank serving the payment of the authorization agreement to authorize an account. payment and conduct processing, accounting into the pay-side payment account such as the pay-side case with a payment account at the beneficiary bank; at the same time the transfer order sent the bank to serve as a bar-based beneficiary. It's appropriate.

+ When receiving a transfer order issued by a bank service to the bank, the slog of a 1 day job, the bank serves on the beneficiary of a transfer command base to account for the appropriate account and the report to the beneficiary.

d) The Bank performs the debt, which is fully informed, timely to the customer according to the method, the time of the Debit, the report has been agreed upon between the bank and the customer in accordance with the rule of law.

What? 10. Customer service and customer service

1. To carry out the procurement service, the beneficiary must provide the organization with the payment of the payment of documents, the relevant document which is relevant as the condition to organize the payment service offering the collection of money according to the correct text content. agreement between the organization's supply of payment services with the beneficiary and the appropriate law regulation relevant.

2. For the spending service, the payment service organization performs on the right request of the payment party in the text of the agreement between the payment of the payment service organization with the pay-party and the relevant law that is relevant.

3. The organization provides construction payment services, enacted an internal process to carry out the procurement and service services to the customer in accordance with the provisions of the relevant law.

What? 11. Money transfer service

1. The service process transfers money through the customer's payment account that is implemented as a proxy payment service process.

2. The transfer service process does not pass the customer ' s payment account:

The construction bank, which enacted an internal process of money transfer services not through the customer's payment account, ensures quick, accurate, safe and full-steps handling of the following steps:

a) Set, control of the word:

When the customer has the need to file cash to ask the bank to transfer money to the beneficiary, the bank instructs the customer to submit money on the bank ' s prescribed pattern, ensuring the full information needed by the money transfer and beneficiary, including: include: they and names, number of people's proofs/passports, or other legitimate identification information, telephone numbers, contacts, signatures (of the money transfer), and other information.

-If the transfer man is personal, when the transfer of the customer must appear as a personal identification. In the case of the transfer of money a person is authorized, the client must publish an additional authorship text under the rule of law. If the transfer man represents the organization, when he transfers money in addition to his own identification, there must be a proof of the legal representation of that organization.

-When a customer's payment is received, the bank checks, controls the evidence and proceeds to count the amount of customer cash filed to make the transfer of money in accordance with the regulations.

b)

-At the bank serving the money transfer: After the validity of the legal, valid certificate:

+ The case of the beneficiary opens the payment account at the bank serving the money transfer: the slog in 01 working days from the time the customer completes the payment procedure, the accounting bank into the appropriate account for the money transfer, the report says. The beneficiary.

+ The case of the beneficiary opens payment accounts at another bank: the slog in 01 working days from the time the customer completes the payment procedure, the accounting bank into the appropriate account and ordered the transfer of money sent to the bank. Proper payment system.

-At the commercial bank service:

After receiving a transfer order, the bank serves the beneficiary to conduct evidence control and process:

+ If the legal transfer order, valid, the slog in 1 day of work since the time of receiving the transfer order, the bank serves the beneficiary to the beneficiary of the beneficiary's payment account, then inform the beneficiary.

+ If the transfer order has been erronable, the slog in 1 day of work since the time of receiving the transfer order, the bank serves the bank coordination beneficiary that serves the money transfer carrying out the prescribed control. When receiving an answer, during a maximum of 1 working days, the bank serves on the beneficiary of a transfer order or the refund of a transfer order for the bank to serve the pay side.

+ If the beneficiary account is closed, the slog in the 1 day of work since the time of receiving the transfer order, the bank serves on the beneficiary of the refund order transfer order to the bank serving the money transfer.

+ The beneficiary case does not have a payment account at the bank: when receiving a transfer order, the slog at 1 day of work since the time of receiving the transfer order, the bank controls the evidence, the accounting into the appropriate account and must Notify the beneficiary. The case of the recipient of the processing cash is as follows:

If the beneficiary is personal, when it comes to receiving the customer money must be presented with a single ID. In the case of the recipient who is authorized, the publishing of the authorship is in accordance with the provisions of the law. If the beneficiary is the organization, the person who represents the organization to take money aside from the publication of his own identification, it must also be presented with a certificate of proof of a legal representation of that organization.

A maximum of 30 days from the date of the transfer of the money transfer to and has informed the beneficiary, if the beneficiary does not come to receive money or is not connected to the beneficiary to announce the payment, the bank serving the beneficiary must make a return order. the money for the bank to serve the money.

-The bank makes it available in time for the customer to open a payment account at its unit according to the method, the time the paper has been agreed upon between the bank and the customer in accordance with the rule of law.

What? 12. The payment service through the people ' s credit fund, microfinance organization.

1. The Human Credit Fund provides payment services not through payment accounts to its members. Microfinance organization provides payment services not through payment accounts to microfinance clients.

2. People ' s Credit Fund, the construction microfinance organization, enacted an internal payment process of money transfer, income, non-payment of payments in accordance with regulation at Article 10 and Clause 2, Article 11 of this.

Chapter III

THE RIGHTS AND OBLIGATIONS OF THE PARTIES

ENGAGING PAYMENT SERVICE

What? 13. The rights of the organization, individuals use payment services

1. Selected using the payment service of the organization to provide payment services.

2. Agreement with the organization of the provision of payment services on rights and obligations when using payment services in accordance with the provisions of the law.

3. Be required to organize a payment service offering information about the implementation of the payment services under the agreement with the payment of the payment service.

4. Compleable and required to organize a damages payment service provider when: the payment service provider performs a slow payment transaction compared to the agreement, does not implement payment transaction or implementation of payment transaction, or payment of payment. does not match the right payment order, the payment of payment services is not exactly the cost or fee that the payment service organization has announced and other violations in the deal.

5. Other rights under the rule of law.

What? 14. The organization ' s obligations, individuals use payment services.

1. The right implementation, full of conditions, processes for payment services by regulation at this Smart and in accordance with the agreement between the organization, the individual uses the payment service and organizes the payment service supply in accordance with the rule of law.

2. reimbursable or co-ordinated with the payment services organization fulfills the full amount of beneficities provided by the organization supply of the payment payment service, the wrong transfer (including the impact fault, the organizational breakdown of the payment service organization).

3. Take responsibility before the law on the accuracy, honesty of the information and the evidence from the payment that he provides.

4. Self-protection of the secrets of the account information, the transaction of the individual due to its management to ensure safety, security in payment transactions; timely notice for the payment of the payment service when found to be erronable, confused in the transaction. payment or doubt the transaction information is exploited.

5. Do not use payment services for money laundering purposes, terrorist funding, fraud, fraud or other offenses.

6. Other obligations under the rule of law.

What? 15. The rights of the organization to provide payment services

1. Request to organize, the individual who uses a payment service provides full of relevant information and performs obligations under the agreement in accordance with the rule of law in the process of using payment services.

2. The refusal to provide payment services to the organization, the individual uses the payment service in the following cases:

a) Organization, individuals who use a payment service do not fully respond to requirements when carrying out a prescribed payment service at this Smart Notice or in violation of agreements between the organization that provides payment services to the organization, the individual who uses the service. payment;

b) When a written request by the state agency has jurisdiction or evidence of payment of payment to money laundering, funding terrorism under the law of the prevention of money laundering.

3. Requied the organization, the individual who uses a refund payment service full of the beneficiary amount due to the organization supply of the payment payment service, the wrong transfer (including the impact fault, the organizational breakdown of the payment service organization).

4. Be entitled to toll on the supply of payment services under the rule of law.

5. Other rights under the rule of law.

What? 16. The obligation of the payment service provider

1. Customer guidance uses payment services that you provide; respond or process timely questions, organizational complaints, personal use of payment services within your obligations and permissions.

2. Make timely, secure payment transactions, precisely under agreement with the organization, individuals who use payment services; publicly listed payment of payment services.

3. The payment service provider is responsible for adjusting to the wrong time, the error of the payment transaction in the case of an incorrect implementation required by the organization ' s payment order, the individual using the payment service; in charge of coordination. Relevant to the organization of the relevant payment service to recover the amount of mistransformer, the transfer of payment of payment transactions under the rule of law.

4. The payment of the payment service must comply with the correct regulation of the law on electronic transactions and in terms of safety, security, risk management in banking operations.

5. The payment service provider is obligated to inform, warn customers to identify and prevent the risks of using the payment service and comply with the correct content at the agreement text signed with the payment service provider; guide to the organization, individuals who use payment services on the obligation to secure their own account information, other definition factors, and electronic vehicles used in payment, avoid abuse, fraud, fraud.

6. The payment service provider must take on customer recognition measures; control, detection, report of a large value transaction, electronic transfer transaction, suspicious transaction to the state agency that has jurisdiction under the rules of the United States. Prevention of prevention, money laundering and other laws of law are related.

7. The payment of payment services must be responsible for compensation of the damages due to the rule of law.

8. Coordination of coordination between the organization of payment services organizations:

Organizations that supply the payment service are responsible for coordination in time to timely conduct of the search requirements in the payment of the commission, the commission obtained: within 1 days of working on the side of the party's request to seek out the result of the investigation. All right

9. Other obligations under the rule of law.

What? 17. The obligation of the organization to provide payment services when partnering with the organization of payment intermediation service organizations.

1. When the payment service is in partnership with the payment intermediation service organization, the payment service provider must have a written agreement or contract agreement with the parties involved, which specifies the obligation to commit a commitment to the payment of the payment service. of the parties to the security of customer information, payment transactions, and responsibility for the losses caused by customer information, transactions.

2. The bank is only contracted to cooperate with the payment intermediation service organization that has been licensed by the State Bank to operate the payment intermediation service to carry out the payment service, while also having to coordinate with the medial organization. payment in testing, data control, transaction validation, customer information, implementation of security measures in payment and other obligations under the State Bank regulation of payment intermediate service.

Chapter IV

EXECUTION CLAUSE

What? 18. Effect of execution

1. This message has been in effect since 1 March 2015.

2. This is an alternative to the Digital Decision 226 /2002/QD-NHNN On March 26, 2002, the Governor of the State Bank of the State of the State of the State of the State of the State of the State of the State of the State of the United States of the United States of the United States of the United States, 1092 /2002/QĐNNN October 8, 2002 Governor of the Bank of the State of the State of the State of the State of the State of the State of the State of the State of the State of the State of the State of the State

What? 19.

1. The payment is responsible for monitoring, testing, monitoring, and coordination with related units to handle the problems that arise during this process.

2. Inspector General, bank oversight, Bank of the State Branch of the Province, the Central city of the Central Committee responsible for the inspection, oversight of the compliance of regulations at this privacy and handling of cases of violation by jurisdiction.

3. Supply-based payment services regulations in this Information to build an internal process of non-cash payment services at their unit and submit an internal process to the State Bank (Payment case) immediately after the issue.

4. Chief of Staff, Chief of Payment, Chief Inspector, bank oversight and head of units of State Bank, State Bank of the State Branch of the Province, Central City, Chairman of the Board (Member Council), President of the Bank of China. The Director (Director) organizes the payment service that is responsible for this information ./.

KT. GOVERNOR.
Vice Governor.

(signed)

Nguyen Won.