北京商报讯（记者 岳品瑜 董晗萱）支付机构又领罚单，被罚理由却较为"罕见"。9月15日，北京商报记者注意到，人民银行贵州省分行近日披露 的行政处罚信息显示，贵州汇联通支付服务有限公司（以下简称"汇联通支付"）因变更监事、高级管理人员未经中国人民银行贵州省分行批准， 被警告、通报批评并被罚款10万元。 同时，时任汇联通支付法定代表人陈某对上述违法行为负有责任，被罚款5万元。 | 序号 | | 当事人名称 行政处罚决定书文号 | 违法行为类型 | 行政处罚 内容 | 作出行政处罚 作出行政处 决定机关名称 罚决定日期 | | 公示期限 (自公示之 日起计算) | | --- | --- | --- | --- | --- | --- | --- | --- | | | 贵州汇联通支 付服务有限公 | 贵银罚决字〔2025〕 19号 | 变更监事、高级管理人员,未经中国人民 银行贵州省分行批准 | 警告、通报批 评,罚款10万 | 中国人民银行贵 2025年8月28日 州省分行 | | 三年 | | | 司 | | | 元 | | | | | | 陈某(时任贵 州汇联通支付 服务有限公司 | 贵银罚决字〔2025〕 ...

从罚单特征来看，单笔超千万元的大额罚单涉及3家机构，汇元银通以2431.42万元罚没金额居首，中通 支付、广州市汇聚支付紧随其后，分别被罚1894.52万元、1061.78万元，三大机构罚单合计占总额近 41%；此外，违规领域高度聚焦，频繁出现的反洗钱义务履行不到位和商户管理不力这类"顽疾"合计占 比约60%，成为监管重点打击的"重灾区"。 2025年上半年，非银行支付行业监管持续保持高压态势，合规红线进一步收紧。南都湾财社记者根据企 业预警通最新数据不完全统计发现，截至6月30日（以处罚日期计算），全国范围内支付机构已累计收 到罚没款项约1.25亿元，涉及快钱支付、汇元银通、中通支付等30余家支付机构，覆盖头部机构与区域 中小型企业。 支付业上半年合计被罚1.25亿元 行业合规成本持续攀升 2025年上半年支付行业罚单规模呈现"大额主导，领域聚焦"的特征，1.25亿元的罚没总额中，单张百万 元以上罚单占比超60%，大额罚单成为拉动总额的核心力量。从具体数据看，千万级罚单虽仅3张，却 贡献了总金额的43%（合计5387.72万元），单笔最高达2431.42万元的罚单被汇元银通收下，创上半年 单笔罚单纪录；50 ...

Core Viewpoint - The People's Bank of China has issued administrative penalties to four payment institutions, highlighting a trend of increased regulatory scrutiny in the payment industry [1][4]. Group 1: Penalties Issued - Four payment institutions, namely Hu Yuan Yin Tong, Unicom Payment, Xin Lian Payment, and Zhong Fu Payment, have been penalized for various violations [1][2]. - Hu Yuan Yin Tong was fined a total of 24.3142 million yuan for six violations, including improper management of payment interfaces and failure to implement real-name registration [2][3]. - Unicom Payment faced a penalty of approximately 1.649 million yuan for six violations, including failure to ensure the authenticity and traceability of transaction information [2][3]. - Xin Lian Payment was fined 460,000 yuan for not reporting large or suspicious transactions as required [2]. - Zhong Fu Payment received a warning and a fine of 2 million yuan for violating institutional management regulations [3]. Group 2: Regulatory Trends - A total of 50 penalties have been issued to payment institutions in 2025, with seven institutions penalized in June alone [4]. - Major violations include breaches of institutional management regulations and failure to report large or suspicious transactions [4]. - The trend shows a significant increase in the number of penalties and a differentiation in penalty amounts, indicating a normalization of strict regulation in the payment industry [4][5]. - Regulatory focus is shifting towards data compliance, information security, and cross-border payment issues, alongside traditional concerns like anti-money laundering [5].

Core Viewpoint - The significant capital increase by Tencent's payment subsidiary, Tenpay, from 1 billion to 15.3 billion RMB in April 2024 and then to 22.3 billion RMB by June 2025, highlights the growing regulatory requirements and competitive strategies among leading payment institutions in the industry [1][3][4]. Group 1: Capital Increase Details - Tenpay's registered capital was approved to increase to 22.3 billion RMB as of May 30, 2025, following a previous increase to 15.3 billion RMB in April 2024, marking an increase of over 14 times [3][4]. - The capital increase reflects the recognition from regulatory authorities regarding Tenpay's development and its commitment to enhancing technology innovation, service quality, and payment security [3][5]. Group 2: Regulatory Impact - The implementation of the "Non-Bank Payment Institutions Supervision Management Regulations" has raised the capital requirements for payment institutions, necessitating increases in registered capital based on their business scope and reserve fund amounts [4][5]. - As of April 2025, the average daily balance of reserve funds for non-financial institutions reached 24,573.54 billion RMB, prompting leading payment institutions like Tenpay to increase their registered capital to meet the minimum net asset requirements [4][5]. Group 3: Industry Dynamics - The capital competition among leading payment institutions is intensifying, while smaller institutions struggle to survive, leading to a pronounced "Matthew Effect" in the industry [6][10]. - Many smaller payment institutions still have registered capital below the minimum requirement of 1 million RMB, with some facing license cancellations, resulting in a reduction of licensed payment institutions to 169 [7][10]. - The market is expected to see further consolidation, with stronger institutions likely to dominate, while weaker ones may be eliminated or merged [11][10]. Group 4: Future Outlook - The ongoing capital competition is anticipated to strengthen the overall capital base of the third-party payment industry, promoting investment in market services and technological advancements [11][12]. - The future landscape of the payment industry is expected to be led by major players like Alipay and WeChat, with a few capital-strong second-tier institutions, while others may gradually exit the market [11][10].

Core Viewpoint - The People's Bank of China (PBOC) has approved a capital increase for Tenpay Technology Co., Ltd. (Tenpay), the operator of WeChat Pay, raising its registered capital from 15.3 billion to 22.3 billion yuan, a significant increase of 45.75% [1][2]. Group 1: Company Overview - Tenpay was established in 2006 with an initial registered capital of 1 billion yuan and is currently controlled by Shenzhen Tencent Computer Systems Co., Ltd. [2][3]. - The company received its first payment business license from the PBOC in 2011 and currently holds qualifications for operating stored value accounts and payment transaction processing [3]. Group 2: Regulatory Context - The increase in registered capital aligns with the regulatory requirements set forth in the Non-Bank Payment Institutions Supervision Management Regulations, which stipulate a minimum registered capital of 1 billion yuan for non-bank payment institutions [3]. - The PBOC has the authority to raise the minimum capital requirement based on the business type, operational region, and scale of operations of non-bank payment institutions [3]. Group 3: Industry Implications - The capital increase is seen as a move to meet compliance and regulatory standards while supporting Tenpay's ongoing development and innovation in payment services [4]. - This action is expected to enhance Tenpay's financial foundation, support technological advancements, and improve service quality, thereby strengthening its market competitiveness [4].