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China’s regulation on third-party payments.doc
China’s regulation on third-party payments
China’s central bank has proposed a daily cap of 5,000 yuan ($817) on transactions through third-party online payment systems, in an initiative to raise security protocols.
The New Security Regulation on Thirdparty Payments
China’s central bank has proposed limiting the size of transactions through third-party online payment systems such as Alipay. This is to ensure security for consumers’ information and money.
The amount shoppers would be able to spend through third-party online payment per day may be restricted to between 1,000 yuan and 5,000 yuan, depending on how sophisticated the system’s security checks are.
And consumers whose accounts limit them to shopping payments would be allowed to spend no more than 100,000 yuan a year. It also bans third-party payment platforms from opening accounts for institutions running financial businesses, such as online lending firms.
While platforms that have both digital certification and signature qualification checks will be exempt from the restrictions, the limit would be set at 1,000 yuan per day for platforms that have only one qualification check.
For systems that fail to include digital certification and signature but has two or more checks, the limit would be 5,000 yuan.
When the spending amount exceeds the cap, consumers would be transferred to banking payment platforms to pay the surplus, according to the People’s Bank of China (PBOC).
A Massive Controversy in China
The new security regulation on third-party payments has stirred massive controversy in China, with critics saying it compromises convenience for the interest of state-backed banks.
The news was a bombshell for Chinese web-users, who have become increasingly reliant on convenient payment services such as Alibaba’s Alipay and Tencent’s Tenpay.
In a survey conducted by news portal Sina, around 60% of the 6,000 interviewees believed their online shopping experience would be
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