据北京日报报道，2021 年 10 月 13 日，中国人民银行官网发布《中国人民银行关于加强支付受理终端及相关业务管理的通知（银发〔2021〕259 号）》，从支付受理终端业务管理、特约商户管理、收单业务监测三个方面入手，对收单机构和清算结构提出了一系列的管理要求。与此同时，条码支付也被纳入监管，对个人收款条码的使用规范做出具体规定，并将于 2022 年 3 月 1 日起施行。According to Beijing Daily, on October 13, 2021, the official website of the People’s Bank of China issued the “Notice of the People’s Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Businesses (Yinfa  No. 259)”. Starting from the three aspects of merchant management and acquiring business monitoring, a series of management requirements are put forward for acquiring institutions and clearing structures. At the same time, barcode payment has also been included in the supervision, and specific regulations have been made on the use of barcodes for personal receipts, which will be implemented on March 1, 2022.
[Heavy! From March 1 of next year, WeChat and Alipay personal collection codes cannot be used for business collection] Main supplementary content of the new regulations: 1. Restrict remote collection of personal collection codes 2. Personal collection codes cannot be used for business collections 3 , Receiving barcodes should develop a classification management system to distinguish between individuals and special merchants. Those with business activities are included in the scope of special merchants. It is understood that the “Notice” explains the management of payment barcodes, and it is generated for individual or special merchants and other recipients. Yes, the receipt barcode used by the payer to read and initiate payment instructions should effectively distinguish the scenarios and uses of receipt barcodes used by individuals and special merchants, and prevent receipt barcodes from being rented, lent, sold or used for illegal activities. For individuals with obvious characteristics of business activities, barcode payment collection service agencies shall not provide them with payment collection services related to business activities through personal payment collection barcodes.
The “Notice” also explains the remote non-face-to-face collection of payments. Bar code payment collection service agencies shall take effective measures to prohibit personal static collection bar codes from being used for remote non-face-to-face collection. For personal dynamic receipt barcodes saved through screenshots, downloads, etc., the relevant regulations on the implementation of personal static receipt barcodes shall be referred to. “Incorporating bar code payment into supervision has made up for the loopholes in the bar code payment channel that may have been used by money laundering.” Wang Pengbo, chief analyst of Broadcom Consulting, analyzed that, especially for the management of personal collection codes, the requirements of the “Notice” will be effectively avoided. The personal collection code channel is used by the trading platform.
The article “Restrict remote collection of personal code” is mainly aimed at illegal activities such as “scoring”, “gambling”, and “telecommunications fraud” that have been frequently issued in recent years. In the future, the personal collection code will restrict the remote collection function, and may become a dynamic collection code, which no longer has the printing function. If some special merchants do have remote non-face-to-face needs, they can apply for a special merchant collection code, which will be carefully reviewed by the acquirer, a whitelist will be added, and transaction limits, scale, and QR code usage will be strictly controlled.
What impact does the “Notice” have on consumers and small and micro businesses? The relevant person in charge of the central bank stated that the “Notice” generally helps to better protect the legitimate rights and interests of consumers, and helps prevent lawbreakers from stealing consumer personal information and even embezzling account funds by modifying payment acceptance terminals and applying for false merchants. It is conducive to improving the service quality of banks and payment institutions such as account statements and transaction information inquiries, fully guaranteeing consumers’ right to know, and reducing related disputes and complaints; in the long run, the relevant requirements of the “Notice” regarding the regulation of personal payment codes will be further improved The quality of acquiring services for individual operators and small and micro merchants.
[重磅！明年 3 月 1 日起，微信、支付宝个人收款码不能用于经营收款]