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Alipay & WeChat personal payment code to be banned from business operation
Published on: 2021-11-29
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Starting from 1 March 2022, the personal payment reception codes on electronic payment platforms will be banned from being used in business operation. Merchants who use personal money reception codes need to apply to collection service agencies, such as WeChat and Alipay, to switch to commercial collection codes, but consumers' daily payment experiences will not be affected.
 

The notice clearly emphasizes that the collection code is divided into personal and business collection codes, and the business collection code is not included in this notification restriction. Among them, the main thing that will be restricted is the personal static collection barcode. According to regulations, personal static collection codes are prohibited in principle from being used for remote non-face-to-face collections. Institutions should carefully determine the whitelist of personal collection static codes and refer to special merchants for personal collection barcode users with obvious business characteristics.
 

The introduction of the new regulations will promptly prevent businesses' tax evasion and money laundering, and also prevent consumers from falling into new types of financial fraud, experts said.
 

支付宝、微信个人收款码不得用于经营性收款

近日,媒体关于“2022年3月1日起个人收款码禁用于经营性服务”相关报道刷屏网络。2021年10月13日央行官网发布《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)》,其中对收款条码管理做出了明确规定,并将于2022年3月1日起施行。
 

通知称,对于为个人或特约商户等收款人生成的,用于付款人识读并发起支付指令的收款条码,银行、支付机构、清算机构等为收款人提供收款条码相关支付服务的机构(以下统称条码支付收款服务机构)应当制定收款条码分类管理制度,有效区分个人和特约商户使用收款条码的场景和用途,防范收款条码被出租、出借、出售或用于违法违规活动。
 

对于具有明显经营活动特征的个人,条码支付收款服务机构应当为其提供特约商户收款条码,并参照执行特约商户有关管理规定,不得通过个人收款条码为其提供经营活动相关收款服务。
 

通知还提及,条码支付收款服务机构应当采取有效措施禁止个人静态收款条码被用于远程非面对面收款。确有必要进行远程非面对面收款的,条码支付收款服务机构应当对相应收款人实行白名单管理,并审慎确定白名单准入条件与规模、个人静态收款条码的有效期、使用次数和交易限额。对于通过截屏、下载等方式保存的个人动态收款条码,应当参照执行个人静态收款条码有关规定。

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