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| Notice by the People's Bank of China Regarding Strengthening the Administration of Payment Terminals and Related Business | | 中國人民銀行關于加強支付受理終端及相關業務管理的通知 |
| (No. 259 [2021] of the People's Bank of China) | | （銀發〔2021〕259號） |
| The Shanghai Head Office of the People's Bank of China ("PBC"), all branches and operations offices of the PBC, all central sub-branches of the PBC in capital cities of provinces (or autonomous regions), and all central sub-branches of the PBC in sub-provincial cities; all state-owned commercial banks, the Postal Savings Bank of China, and all joint-stock commercial banks; all non-bank payment institutions; and China UnionPay Co., Ltd., the Payment & Clearing Association of China, NetsUnion Clearing Corporation, and Express (Hangzhou) Technology Services Co., Ltd.: | | 中國人民銀行上海總部，各分行、營業管理部，各省會（首府）城市中心支行，各副省級城市中心支行；各國有商業銀行，中國郵政儲蓄銀行，各股份制商業銀行；各非銀行支付機構；中國銀聯股份有限公司、中國支付清算協會、網聯清算有限公司、連通（杭州）技術服務有限公司： |
| For the purposes of strengthening the administration of payment terminals and related business, maintaining the order of the payment market, and protecting the lawful rights and interests of consumers, you are hereby notified of the relevant matters as follows: | | 為加強支付受理終端及相關業務管理，維護支付市場秩序，保護消費者合法權益，現就有關事項通知如下： |
| I. Administration of payment terminal business | | 一、支付受理終端業務管理 |
| 1. Bank card terminals and related business. | | （一）銀行卡受理終端及相關業務。 |
| (1) Administration of the production and registration of bank card terminals. One bank card terminal may correspond only to one terminal serial number. A clearing institution or acquiring institution shall, in accordance with the Notice by the People's Bank of China Regarding Strengthening the Security Management of Bank Card Terminals (No. 21 [2017], PBC), adopt password recognition technology and other effective methods for bank card terminals to ensure that the serial numbers of bank card terminals are not tempered with. | | 1.銀行卡受理終端生產與登記管理。1台銀行卡受理終端只能對應1個受理終端序列號。清算機構、收單機構應當按照《中國人民銀行關于強化銀行卡受理終端安全管理的通知》（銀發〔2017〕21號）規定，對銀行卡受理終端采取密碼識別技術等有效手段，確保銀行卡受理終端序列號不被篡改。 |
| A clearing institution shall establish and improve a bank card terminal registration management platform (hereinafter referred to as the "management platform") and require a cooperating manufacturer of bank card terminals (hereinafter referred to as the "cooperating manufacturer") to file the serial numbers and serial keys of bank card terminals and the names of corresponding banking institutions (hereinafter referred to as "banks"), non-bank payment institutions (hereinafter referred to as payment institutions), and other acquiring institutions with the management platform. | | 清算機構應當建立健全銀行卡受理終端注冊管理平台（以下簡稱管理平台），要求銀行卡受理終端合作生產廠商（以下簡稱合作生產廠商）向管理平台報送銀行卡受理終端序列號及序列號密鑰、對應的銀行業金融機構（以下簡稱銀行）和非銀行支付機構（以下簡稱支付機構）等收單機構名稱。 |
| A clearing institution shall establish a mechanism for assessment and management of cooperating manufacturers. For a cooperating manufacturer which fails to manufacture bank card terminals or file the registration information of serial numbers of bank card terminals as required, or falls under circumstances of participating in activities in violation of laws and regulations, the clearing institution shall take measures such as requiring it to take corrective action within a time limit, downgrading its assessment rating, and even ceasing cooperation. | | 清算機構應當建立合作生產廠商評估管理機制。對于未按要求生產銀行卡受理終端、報送銀行卡受理終端序列號登記信息，或存在參與違法違規活動等情形的合作生產廠商，清算機構應當采取要求其限期整改、降低評估等級直至停止合作等措施。 |
| A clearing institution may establish a management platform and assess and manage cooperating manufacturers in person or by another institution authorized. | | 清算機構可以自行或委托其他機構建立管理平台、評估管理合作生產廠商。 |
| (2) Administration of network access of bank card terminals. One bank card terminal may correspond only to one merchant. An acquiring institution shall establish a correlation between the serial number of a bank card terminal and the following five aspects of information, file the relevant information with the clearing institution when applying for the network access of the bank card terminal, and ensure the consistency and non-tamperability of the correlation throughout the payment process: | | 2.銀行卡受理終端入網管理。1台銀行卡受理終端只能對應1個特約商戶。收單機構應當建立銀行卡受理終端序列號與下述5要素信息的關聯對應關系，在辦理銀行卡受理終端入網時將相關信息報送至清算機構，並確保該關聯對應關系在支付全流程中的一致性和不可篡改性： |
| (a) The code of the acquiring institution. | | （1）收單機構代碼； |
| (b) The code of the merchant (including a micro or small-sized merchant, to wit, a physical merchant exempt from industrial and commercial registration in accordance with laws, regulations, and relevant regulatory provisions, the same below). | | （2）特約商戶（含小微商戶，即依據法律法規和相關監管規定免于辦理工商注冊登記的實體特約商戶，下同）編碼； |
| (c) The unified social credit code of the merchant (or the valid identification number of the principal person in charge thereof, in the case of a micro or small-sized merchant, the same below). | | （3）特約商戶統一社會信用代碼（小微商戶為其主要負責人有效身份證件號碼，下同）； |
| (d) The merchant account of the merchant. | | （4）特約商戶收單結算賬戶； |
| (e) The geographical location of the bank card terminal. | | （5）銀行卡受理終端布放地理位置。 |
| A clearing institution shall check information on the network access of a bank card terminal filed by an acquiring institution and the registration information of the bank card terminal filed by a cooperating manufacturer, and deny network access, if inconsistency is discovered in the check. | | 清算機構應當及時核驗收單機構報送的銀行卡受理終端入網信息和合作生產廠商報送的銀行卡受理終端登記信息，核驗不一致的不得入網。 |
| In principle, a bank card terminal shall have the functionality of location. For a bank card terminal without the functionality of location, an acquiring institution shall ensure that it is used on the permanent business premises of a merchant for lawful and compliant purposes. | | 原則上銀行卡受理終端應當具備定位功能。對于不具備定位功能的銀行卡受理終端，收單機構應當確保其被用于特約商戶固定經營場所和合法合規用途。 |
| (3) Administration of the withdrawal of bank card terminals. If the acquiring service agreement between an acquiring institution and a merchant terminates, or the merchant applies for discontinuing the use of a bank card terminal, the acquiring institution shall close the business function of the bank card terminal in a timely manner and recover the bank card terminal. If recovery is indeed impossible, the continued closing status of the business function of the bank card terminal shall be ensured. | | 3.銀行卡受理終端退出管理。因收單機構與特約商戶收單服務協議終止，或特約商戶申請停用銀行卡受理終端的，收單機構應當及時關閉銀行卡受理終端業務功能，並收回銀行卡受理終端。對確實無法收回的，應當確保銀行卡受理終端業務功能持續處于關閉狀態。 |
| The acquiring institution shall file the deregistration information of the bank card terminal with the clearing institution within two days after closing the business function of the bank card terminal. The clearing institution shall cease providing transfer facilitation and clearing services for the business initiated on the bank card terminal on the date of receipt of the deregistration information of the bank card terminal, until the bank card terminal is granted network access as required. | | 收單機構應當在關閉銀行卡受理終端業務功能後2日內，將銀行卡受理終端注銷信息報送至清算機構。清算機構應當自收到銀行卡受理終端注銷信息之日起，停止為該銀行卡受理終端發起的業務提供轉接清算服務，直至該銀行卡受理終端按規定重新入網。 |
| (4) Administration of improvement or replacement of existing bank card terminals. For a bank card terminal granted network access before the issuance of this Notice which does not comply with the provisions of this Notice, the acquiring institution shall improve or replace it within a time limit in accordance with the rules of a clearing institution. | | 4.存量銀行卡受理終端改造或更換管理。對于本通知發布前已辦理入網，但不符合本通知規定的銀行卡受理終端，收單機構應當按照清算機構規則限期進行改造或更換。 |
| A clearing institution shall formulate its rules of improvement or replacement of bank card terminals having network access, and require acquiring institutions to complete the improvement or replacement of the relevant bank card terminals within a time limit; and if the improvement or replacement is not completed within the time limit, the clearing institution shall suspend its transfer facilitation and clearing services for the business initiated on the relevant bank card terminals. | | 清算機構應當按照審慎原則制定本機構入網銀行卡受理終端改造或更換規則，要求收單機構限期完成對相關銀行卡受理終端的改造或更換；逾期未完成的，應當暫停為相關銀行卡受理終端發起的業務提供轉接清算服務。 |
| 2. Barcode payment terminal and related business. | | （二）條碼支付受理終端及相關業務。 |
| (1) Administration of barcode payment terminals. For barcode payment terminals that have the functionality of acquiring multiple pieces of payment information and participating in initiating payment instructions, among others, clearing institutions and acquiring institutions shall establish and improve management rules in accordance with the relevant provisions on bank card terminals, mutatis mutandis, and improve or replace the existing barcode payment terminals that do not comply with the rules within a time limit. An acquiring institution shall establish and file the correlation between the serial number of a barcode payment terminal and the corresponding five aspects of information in accordance with the relevant provisions of this Notice, and ensure the consistency and non-tamperability of the correlation throughout the payment process. | | 1.條碼支付受理終端管理。對于具備采集多項支付信息和參與發起支付指令等功能的條碼支付受理終端，清算機構、收單機構應當參照銀行卡受理終端相關規定建立健全管理規則，並對不符合規則的存量條碼支付受理終端限期進行改造或更換。收單機構應當按照本通知相關規定建立並報送條碼支付受理終端序列號與相應5要素信息的關聯對應關系，並確保該關聯對應關系在支付全流程中的一致性和不可篡改性。 |
| In principle, a barcode payment terminal shall have the functionality of location. For a barcode payment terminal without the functionality of location, an acquiring institution shall ensure that it is used on the permanent business premises of a merchant for lawful and compliant purposes. | | 原則上條碼支付受理終端應當具備定位功能。對于不具備定位功能的條碼支付受理終端，收單機構應當確保其被用于特約商戶固定經營場所和合法合規用途。 |
| (2) Administration of auxiliary barcode payment terminals. For a barcode scanner, a code display device, a static barcode display medium, or any other auxiliary barcode payment terminal only with the functionality of barcode reading or displaying which does not participate in initiating payment instructions, the acquiring institution shall establish a correlation between the merchant code and the following four aspects of information, and ensure the consistency and non-tamperability of the correlation throughout the payment process: | | 2.條碼支付輔助受理終端管理。對于僅具備條碼讀取或展示功能、不參與發起支付指令的條碼支付掃碼設備、顯碼設備和靜態條碼展示介質等條碼支付輔助受理終端，收單機構應當建立特約商戶編碼與下述4要素信息的關聯對應關系，並確保該關聯對應關系在支付全流程中的一致性和不可篡改性： |
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