中国支付清算协会发布关于做好支付清算业务连续性保障的提示 智通财经6月16日电，中国支付清算协会发布关于做好支付清算业务连续性保障的提示：为保障"618"营 销活动高峰期间支付业务平稳运行，提前做好应对汛期、台风等极端天气可能引发的断网断电、软硬件 故障风险，请各支付服务主体高度重视支付清算业务连续性管理工作，全力做好安全生产保障。 ...

Core Viewpoint - The release of the "Registration Management Norms for Acquiring Outsourcing Service Institutions" and "Evaluation Management Norms for Acquiring Outsourcing Services" by the China Payment and Clearing Association aims to enhance self-regulation and promote the healthy development of the acquiring outsourcing service market [1][2]. Group 1: Registration Norms - The "Registration Norms" consists of eight chapters and thirty-four articles, detailing the purpose, scope, and principles of registration, as well as the conditions and materials required for registration [2][3]. - It specifies the management measures and self-discipline penalties for licensed institutions and outsourcing institutions, emphasizing data security and confidentiality [2][3]. - As of June 11, over 35,000 acquiring outsourcing institutions have completed registration, involving more than 740 aggregation payment institutions [1]. Group 2: Evaluation Norms - The "Evaluation Norms" includes six chapters and thirty-nine articles, outlining the requirements for information registration, risk information management, and self-discipline evaluation [3][4]. - It establishes standards for risk information sharing and blacklisting management, as well as the rules and processes for self-discipline evaluation [3][4]. - The evaluation results will serve as an important reference for assessing outsourcing institutions, with a focus on compliance and operational transparency [5]. Group 3: Industry Impact - The new norms are expected to shift the outsourcing market from "scale expansion" to "compliance capability competition," potentially increasing industry concentration [3][4]. - The association plans to strengthen management across the entire process of acquiring outsourcing services, ensuring fair and orderly market conditions [4][5]. - Enhanced regulations are anticipated to improve payment service levels and efficiency, while also safeguarding consumer rights [5].

Core Viewpoint - The China Payment and Clearing Association has released the "Record Management Specification for Acquiring Outsourcing Service Institutions" to enhance self-regulation in acquiring outsourcing services, mitigate risks, and promote healthy market development [1][2] Group 1: Regulatory Framework - The "Record Management Specification" consists of eight chapters and thirty-four articles, covering general principles, application for record, information review and public disclosure, information management, cancellation of records, dispute handling, and disciplinary measures [1] - The specification clarifies the purpose, basis, scope of application, prerequisites for business operations, and principles for record-keeping [1] Group 2: Compliance and Management - It specifies the conditions for outsourcing institutions to be recorded, the required information and documentation, review standards, timelines, and circumstances under which records may be denied or rejected [1] - The specification outlines the requirements for changes in recorded institution information, data reporting, voluntary withdrawal processes, and circumstances for record cancellation by the association [1] Group 3: Risk Management and Self-Regulation - It emphasizes the management measures and self-discipline penalties for licensed institutions and outsourcing entities in violation of regulations, highlighting data security, confidentiality management, and work discipline [1][2] - The specification serves as a supporting self-regulatory framework for the "Self-Regulatory Management Measures for Acquiring Outsourcing Services," ensuring the practical implementation of the measures and promoting a standardized and healthy development of the acquiring outsourcing service market [2]

Core Viewpoint - The new regulations issued by the China Payment and Clearing Association aim to address long-standing issues in the acquiring outsourcing market, such as illegal subcontracting and information leakage [2][4]. Group 1: Regulatory Changes - The new regulations include the "Acquiring Outsourcing Service Institution Filing Management Specification" and the "Acquiring Outsourcing Service Evaluation Management Specification" to enhance compliance and self-regulation in the acquiring outsourcing market [7]. - The regulations emphasize a "pre-filing before business operation" approach to ensure orderly and compliant outsourcing services [7]. - The regulations outline 30 types of risky behaviors, including illegal operations, money laundering, and fraudulent activities, which will be closely monitored [7]. Group 2: Industry Risks - The acquiring outsourcing service sector has been plagued by various risks, including aggressive marketing tactics and fraudulent practices, leading to significant financial losses for merchants [5][6]. - Some outsourcing institutions have been found to register fake merchants and manipulate transaction data to gain market share, raising concerns about regulatory evasion and market disruption [5][6]. - The misuse of technology by some payment service providers has created a breeding ground for illegal activities, including money laundering and cash-out schemes [6]. Group 3: Future Outlook - The implementation of the new regulations is expected to accelerate industry differentiation, favoring institutions with strong compliance and technological capabilities [11]. - The regulatory environment for the payment clearing industry is becoming increasingly stringent, with various management measures being introduced to combat illegal activities [10]. - While the industry may face short-term challenges, the long-term outlook suggests that compliant and technologically advanced institutions will dominate the market, leading to a safer and more efficient payment ecosystem [11].

Core Viewpoint - The China Payment and Clearing Association has introduced two new regulations to enhance self-regulation in the acquiring outsourcing service sector, aiming to standardize practices, mitigate risks, and promote healthy market development [1][2]. Regulation Details - The newly released regulations include the "Filing Management Regulations for Acquiring Outsourcing Service Institutions" and the "Evaluation Management Regulations for Acquiring Outsourcing Services," which will take effect immediately [1]. - These regulations serve as supplementary self-regulatory norms to the "Self-Regulatory Management Measures for Acquiring Outsourcing Services," clarifying the specifics of filing, information registration, risk information sharing, blacklist management, and self-evaluation [1][2]. Risk Management - The "Evaluation Regulations" outline risk types, levels, information sharing, and blacklist management standards, identifying 30 types of risk behaviors, including illegal activities such as money laundering and fraud [3][4]. - The regulations categorize risks into three levels based on the nature and severity of violations, establishing a framework for risk information sharing and management [3][4]. Self-Evaluation Mechanism - The self-evaluation mechanism includes rules, standards, and processes for evaluating outsourcing service institutions, with licensed institutions required to score their partner outsourcing institutions based on established criteria [4][5]. - The evaluation process has been streamlined to reduce the time from data collection to feedback, potentially shortening the cycle to weeks instead of months [5]. Filing Management - The "Filing Regulations" specify the types of outsourcing services that institutions can apply for, including merchant services and transaction information transfer, while emphasizing data security management [6][7]. - Institutions must adhere to legal responsibilities regarding data security, establish independent technical architectures, and implement measures to prevent data breaches [6][7]. Future Directions - The China Payment and Clearing Association plans to enforce the new regulations rigorously, focusing on comprehensive management of the acquiring outsourcing service process to maintain a fair and orderly market [7]. - The association aims to enhance transparency in the outsourcing service market, ensure timely registration of partner institutions, and facilitate the exit of non-compliant entities from the market [7].

Core Viewpoint - The China Payment and Clearing Association has introduced new regulations to enhance self-regulation in the acquiring outsourcing service sector, aiming to standardize payment outsourcing practices and mitigate risks associated with acquiring services, thereby promoting a healthy development of the payment service market [1] Group 1 - The newly released regulations include the "Regulations on the Filing Management of Acquiring Outsourcing Service Institutions" and the "Regulations on the Evaluation Management of Acquiring Outsourcing Services" [1] - These regulations will take effect immediately upon publication [1]

Core Points - The China Payment and Clearing Association has released two new regulations: the "Record Management Specification for Acquiring Outsourcing Service Institutions" and the "Evaluation Management Specification for Acquiring Outsourcing Services," effective immediately [1] - The regulations aim to address long-standing issues in the acquiring outsourcing market, such as illegal operations, gambling, fraud, and risk transmission, by enhancing transparency and risk control capabilities [1][4] - The evaluation specification outlines 30 types of risk behaviors and categorizes risks into three levels, establishing a blacklist management standard and information sharing requirements [4][5] Group 1 - The "Evaluation Specification" clarifies the requirements for licensed institutions to register information about cooperating outsourcing institutions, including risk types and levels [4] - The regulations emphasize the importance of data security and confidentiality management, requiring outsourcing institutions to establish independent and secure technical architectures [2][3] - The regulations will lead to an accelerated industry reshuffle and higher entry barriers, shifting the focus from price competition to compliance and technology [1][4] Group 2 - Acquiring institutions must terminate cooperation with non-compliant outsourcing institutions within 20 working days if the evaluation results are unsatisfactory [4] - The regulations require licensed institutions to verify the risk information of outsourcing partners before collaboration and report any risk behaviors within five working days [5] - The blacklist sharing mechanism aims to collectively penalize non-compliant institutions, increasing the cost of violations and ensuring their exit from the market [5]

据中国人民银行消息，2025年端午假期（5月31日至6月2日），银联、网联共处理支付交易140.5亿笔、 金额4.8万亿元，较去年端午假期（2024年6月8日至10日）分别增长13%、3.4%。其中，处理境外来华 人员支付交易笔数、金额较去年同期分别增长118.6%和58.8%。 ...

2024年以来，"China Travel"热度持续攀升，多地将入境游 作为2025年文旅发展的重要任务，并从交通便利化、支付便 利化等方面推出新举措，促进入境游市场发展。在此背景下， 中国银联加快推动跨境支付生态的构建，持续扩大"外卡内 绑"和"外包内用"的业务范围，让外籍来华人员能像境内用户 一样享受到便捷的支付体验，以更好满足用户持续增长的跨境 支付需求。 作者： 言生 封图：图片资料室 这些高效便捷的支付体验，都是中国银联 "锦绣行动"的创新实践成果。2024年，银联联合商业银行、收单机构、商户等产业方，聚焦全国41个重点城 市，围绕"食、住、行、游、购、娱、医、学"八大高频场景，构建"刷卡、扫码、手机Pay、现金存取"并行的包容性支付体系。 近日， "购在中国 ·2025大湾区消费季"在广州启动，银联也深入推进 "锦绣行动2025" ， 在提振消费满足多元化消费需求的同时，共建大湾区支付无障碍生活圈。 在境 外，银联联动港澳地区、东南亚、欧美等 39家境外机构，开展境内消费返现活动。 "以前需要携带大量现金，现在用家乡的电子钱包就能完成采购。"来自马来西亚的贸易商叶先生，经常来广州线下参展参会，他刚 ...

Core Viewpoint - The China Payment and Clearing Association has issued a warning regarding the management of outsourced acquiring services, emphasizing the need to prevent subcontracting and sub-leasing risks in the industry [1][2][4]. Group 1: Regulatory Requirements - The association has outlined three main requirements for the industry: 1. Acquiring institutions must enhance management of outsourced institutions and their operations 2. Acquiring institutions should strengthen risk management of outsourced services 3. Outsourced institutions must comply with self-regulatory management requirements [2][3]. Group 2: Industry Oversight - As of May 6, over 33,000 outsourced institutions have completed registration, involving more than 700 aggregation payment institutions, with 972 institutions registered in the current year [1]. - The association has noted that acquiring institutions should conduct thorough due diligence on outsourced partners and establish risk management systems, including annual independent security assessments [3][4]. Group 3: Market Trends - The regulatory environment for outsourced acquiring services is expected to remain stringent, with ongoing inspections and a focus on combating fraudulent merchant activities [4][5]. - The association's push for full registration of existing outsourced institutions is seen as a critical step towards enhancing market integrity and user trust [5].