Workflow
聚合支付技术服务
icon
Search documents
收单外包商备案有进有退,宝付支付回应“失效”:主动终止
Bei Jing Shang Bao· 2025-07-02 12:34
Core Viewpoint - The recent update from the China Payment and Clearing Association reveals that 428 new payment outsourcing service providers have been registered, while Baofu Network Technology (Shanghai) Co., Ltd. has voluntarily terminated its registration, indicating a tightening of management in the payment outsourcing sector [1][3][6]. Group 1: Registration and Compliance - A total of 428 service providers have been newly registered, with the majority (402) holding qualifications for special merchant recommendations [3]. - The current total of registered payment outsourcing service providers stands at 33,130, with 728 institutions registered for aggregated payment technology services [4]. - The registration process has been continuously upgraded since 2016, with a requirement for all operating outsourcing institutions to be 100% registered by 2025 [4]. Group 2: Industry Dynamics - Payment outsourcing institutions serve as intermediaries between licensed payment institutions and offline merchants, playing a crucial role in expanding market reach [4]. - The increase in registered service providers reflects a rapid expansion in the market, driven by commission earnings linked to transaction volumes [4][5]. - The regulatory framework aims to enhance transparency and reduce risks associated with illegal payment activities, thereby improving overall service quality in the industry [5]. Group 3: Baofu Payment's Status - Baofu Payment's registration has been marked as "invalid," but the company clarified that this was a voluntary decision to comply with regulatory guidelines, not due to any violations [6][7]. - The company maintains that its ability to conduct business remains unaffected, as licensed payment institutions are inherently permitted to engage in merchant cooperation and aggregated payment services [7]. - The ongoing updates to the registration list are intended to maintain competitive order in the payment outsourcing industry and promote high-quality partnerships [7].
黑名单、风险信息共享,两规范剑指收单外包管理
Bei Jing Shang Bao· 2025-06-08 11:16
Core Viewpoint - The introduction of two new regulations by the China Payment and Clearing Association aims to strengthen the management of outsourcing services in the payment industry, enhance self-regulation, and promote a healthy development of the payment service market [1][3]. Group 1: New Regulations Overview - The two new regulations are the "Record Management Specification for Acquiring Outsourcing Service Institutions" and the "Evaluation Management Specification for Acquiring Outsourcing Services," which provide detailed guidelines for the registration, risk information sharing, and self-evaluation of outsourcing institutions [1][4]. - These regulations are designed to ensure the effective implementation of the "Self-Regulatory Management Measures for Acquiring Outsourcing Services," which was released in 2024, and to establish a basic framework for managing outsourcing services [3][4]. Group 2: Industry Challenges and Responses - The payment industry faces issues such as illegal subcontracting, inadequate merchant audits, and insufficient information security, which disrupt the order of the payment market [3][5]. - Since 2020, the association has been working to improve transparency and governance in the outsourcing service market, aiming to combat illegal activities such as gambling and fraud [3][6]. Group 3: Specifics of the New Regulations - The "Record Management Specification" outlines the conditions and requirements for outsourcing institutions to apply for registration, including the types of services they can offer, such as transaction information transfer services [4][6]. - The "Evaluation Management Specification" identifies 30 types of risky behaviors for outsourcing institutions, categorizing them into three risk levels and establishing a blacklist management system to enhance accountability [6][7]. Group 4: Market Impact and Future Outlook - The new regulations are expected to accelerate the reshaping of the industry, particularly affecting high-risk small outsourcing institutions, and will help establish a higher barrier to entry in the payment sector [7]. - In the long term, outsourcing institutions with strong compliance capabilities and high technical standards are likely to gain more business opportunities, shifting the focus from price competition to compliance and technology [7].
剑指收单外包机构风险!中国支付清算协会明确黑名单管理标准
Xin Jing Bao· 2025-06-05 13:32
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]
规范收单外包机构进行时:228家支付服务商被取消备案
Zheng Quan Ri Bao Wang· 2025-05-21 12:47
Core Viewpoint - The China Payment and Clearing Association is intensifying regulations on acquiring outsourcing service institutions, with 228 institutions having their registration canceled as of May 21, 2023, including 23 aggregation payment institutions [1][2][3]. Group 1: Regulatory Actions - The cancellation of registration for acquiring outsourcing service institutions reflects ongoing strict regulatory measures aimed at optimizing industry structure and ensuring high-quality financial services [3][4]. - As of May 21, over 32,000 outsourcing institutions have completed registration, with more than 700 being aggregation payment institutions [2][3]. - The cancellation of registration can occur due to voluntary withdrawal or mandatory cancellation, particularly if institutions face administrative penalties for violating regulations [2][4]. Group 2: Market Impact - The cancellation of registration will likely lead to business contraction and market exit for affected outsourcing institutions, indicating a trend towards market clearing [4][5]. - The Payment and Clearing Association's ongoing efforts to strengthen the management of the acquiring outsourcing service market are expected to enhance compliance and operational standards among institutions [4][5]. - Future regulations will require acquiring institutions to ensure that all existing outsourcing partners are 100% registered, further tightening compliance requirements [3][4].
超3.3万家收单外包服务机构完成备案
Zheng Quan Ri Bao· 2025-05-06 16:40
Core Viewpoint - The management and registration of outsourcing institutions in the payment acceptance sector are crucial for standardizing the market and ensuring industry order, with over 33,000 institutions having completed registration as of May 6, involving more than 700 aggregation payment institutions [1][2]. Group 1: Industry Overview - The term "outsourcing institutions" refers to legally established entities that undertake non-core business for payment acceptance institutions, including services like aggregation payment technology, merchant recommendations, and maintenance [1]. - The China Payment and Clearing Association has been intensifying regulations in the payment acceptance sector, recently issuing guidelines to strengthen management of outsourcing services and mitigate risks associated with subcontracting [1]. Group 2: Regulatory Trends - Experts predict a trend towards deeper, normalized regulation in the outsourcing service market, with the Payment and Clearing Association initiating inspections and focusing on combating fraudulent merchants [2]. - There will be a tiered management approach, where severely violating outsourcing institutions (e.g., those involved in gambling or money laundering) may be blacklisted [2]. - The registration system is seen as a key component of "penetrating regulation" in the payment industry, promoting a shift from rapid expansion to meticulous management, which is expected to enhance market health and user trust over the long term [2].