Regulations Governing Institutions Engaging In Credit Card Business Article 26
A card acquirer shall observe the following rules in conducting the card acquiring business, however the following provision does not apply for a card acquirer approved by the Competent Authority to agree that a cardholder may use a credit card to pay for its other business:1. A card acquirer may not furnish a merchant Point of Sale terminal machine or accept the payment request from a merchant unless it has entered a contract with the merchant.2. A card acquirer should conduct credit checking realistically before signing a contracted merchant.3. After signing a contracted merchant, a card acquirer should step up training for the merchant, and establish a monitoring and transaction suspension mechanism for contracted merchants with irregularities in credit card transactions or payment request as well as a risk control mechanism for high-risk contracted merchants or contracted merchants that offer deferred products or services.4.A card acquirer should audit its contracted merchants at least once every half a year by examining transaction irregularity and JCIC credit records, and monitor the transactions of its contracted merchants. The auditing method can be documentary examination, online verification or onsite audit. If a card acquirer finds a contracted merchant accepting credit card payment for a deferred product or service without the pre-approval of the card acquirer, or being involved in other contract breaching or illegal activities, the card acquirer shall promptly conduct investigation of said merchant's transaction pattern and content of its business, and take necessary actions.5. The printed credit card payment receipt to be given to a cardholder after a credit card transaction shall indicate at least the name of card acquirer, the name of merchant, card type, card number, authorization code, and date and amount of transaction. The way to disclose the card number shall comply with the provisions stipulated by the Competent Authority.6. A card acquirer may not sign merchant contract with institutions that do not provide products or services, such as finance companies, or allow such institutions to be involved in credit card transactions.7. If a contracted merchant of the card acquirer engages in credit card transactions via an Internet trading platform, the card acquirer shall sign contract with such Internet trading platform service provider.8. The payment of a card acquirer to a contracted merchant may not be disbursed directly to a third person. However for contracted merchants that accept credit card transactions through an Internet trading platform service provider, if the contract performance by merchant is fully guaranteed by a bank or if all credit card payments received by the merchant is totally placed in trust and has been verified as such by the card acquirer, the card acquirer may disburse the transaction payment to the Internet trading platform service provider if so instructed by the contract merchant.9. A card acquirer shall establish control mechanism for its Point of Sale terminal machines to ensure the security of transaction data.10. When the deferred product or service of a contracted merchant is no longer provided, the card acquirer shall handle payment dispute arising thereof in accordance with the provisions stipulated by the Competent Authority.Where the contract performance by merchant is fully guaranteed by a bank under Subparagraph 8 of the preceding paragraph, the bank that signs the performance guarantee must meet the criteria set forth by the Competent Authority. 11.A card acquirer shall operate its business in a fair and reasonable manner. Factors including operational costs, transaction risks and reasonable profits shall be taken into consideration in determining the reasonable fee to be collected from contracted merchants; and a card acquirer may not solicit or conduct card acquiring business by offering an unreasonable fee.A card acquirer approved by the Competent Authority to agree that a cardholder may use a credit card to pay for its other business shall establish internal control and audit systems between the card acquiring business department and such other business department, and the card acquiring business department shall demand that such other business department comply with the provisions in Subparagraphs 3 to 5, 9, 10 of Paragraph 1, Paragraph 1 of Article 27, and Article 53 in agreeing a cardholder to use a credit card for payment.
中文原文 信用卡業務機構管理辦法第26條
收單機構辦理收單業務時，應依下列規定辦理。
但收單機構所辦理其他業務經主管機關核准接受持卡人以信用卡支付款項者，不在此限：
一、非經簽訂特約商店契約，不得提供刷卡設備並接受特約商店請款。
二、簽立特約商店前，應確實徵信。
三、簽立特約商店後，應加強教育訓練，並應建立特約商店簽帳交易或請款異常情事之監控與交易終止機制，及高風險或提供遞延性商品、服務等特約商店之風險控管機制。
四、對已簽立之特約商店至少每半年應查核乙次，查核方式得以書面查核、線上檢核或實地查核等方式為之，查核內容應包含交易異常狀況及聯徵中心之信用紀錄，且對特約商店交易應予監控，如發現特約商店未經收單機構同意即接受信用卡支付遞延性商品或服務之款項，或涉有其他違約、違法情事時，應即對特約商店所為之交易樣態、營業內容等事項進行調查，並為必要之處置。
五、簽帳交易所列印給予持卡人之簽帳單至少應載明收單機構名稱、特約商店名稱、卡別、卡號、授權號碼、交易日期及金額，且卡號之揭露方式應依主管機關之規定辦理。
六、不得與財務資融公司等不提供商品或服務之機構簽訂特約商店契約，亦不得讓該等機構介入信用卡交易。
七、收單機構所簽訂之特約商店如係使用網際網路交易平台進行信用卡交易者，收單機構應與提供網際網路交易平台服務業者簽訂契約。
八、收單機構應撥付予特約商店之款項，不得直接撥付予第三人。
但網際網路交易平台服務業者就使用該平台接受信用卡交易之特約商店，如該信用卡交易金額已取得銀行十足之履約保證或全部交付信託，並經收單機構審核屬實者，收單機構得依特約商店指示將款項撥付予網際網路交易平台服務業者。
九、應對刷卡設備建立控管機制，以確保交易資料之安全性。
十、特約商店之遞延性商品或服務無法提供時，收單機構應依主管機關規定辦理爭議帳款處理事宜。
十一、收單機構經營業務應以公平、合理方式為之，向特約商店收取費用應考量相關作業成本、交易風險及合理利潤等，訂定合理之定價，不得以不合理之收費招攬或從事收單業務。
依前項第八款規定採銀行十足履約保證者，其所簽訂履約保證之銀行應符合主管機關所定之條件。
收單機構所辦理其他業務經主管機關核准接受持卡人以信用卡支付款項者，應於收單業務部門及該項其他業務部門間建立內部控制及內部稽核機制，且收單業務部門就該項其他業務部門接受以信用卡支付款項之相關事宜應符合第一項第三款至第五款、第九款、第十款、第二十七條第一項所列事項內容及第五十三條規定。
但收單機構所辦理其他業務經主管機關核准接受持卡人以信用卡支付款項者，不在此限：
一、非經簽訂特約商店契約，不得提供刷卡設備並接受特約商店請款。
二、簽立特約商店前，應確實徵信。
三、簽立特約商店後，應加強教育訓練，並應建立特約商店簽帳交易或請款異常情事之監控與交易終止機制，及高風險或提供遞延性商品、服務等特約商店之風險控管機制。
四、對已簽立之特約商店至少每半年應查核乙次，查核方式得以書面查核、線上檢核或實地查核等方式為之，查核內容應包含交易異常狀況及聯徵中心之信用紀錄，且對特約商店交易應予監控，如發現特約商店未經收單機構同意即接受信用卡支付遞延性商品或服務之款項，或涉有其他違約、違法情事時，應即對特約商店所為之交易樣態、營業內容等事項進行調查，並為必要之處置。
五、簽帳交易所列印給予持卡人之簽帳單至少應載明收單機構名稱、特約商店名稱、卡別、卡號、授權號碼、交易日期及金額，且卡號之揭露方式應依主管機關之規定辦理。
六、不得與財務資融公司等不提供商品或服務之機構簽訂特約商店契約，亦不得讓該等機構介入信用卡交易。
七、收單機構所簽訂之特約商店如係使用網際網路交易平台進行信用卡交易者，收單機構應與提供網際網路交易平台服務業者簽訂契約。
八、收單機構應撥付予特約商店之款項，不得直接撥付予第三人。
但網際網路交易平台服務業者就使用該平台接受信用卡交易之特約商店，如該信用卡交易金額已取得銀行十足之履約保證或全部交付信託，並經收單機構審核屬實者，收單機構得依特約商店指示將款項撥付予網際網路交易平台服務業者。
九、應對刷卡設備建立控管機制，以確保交易資料之安全性。
十、特約商店之遞延性商品或服務無法提供時，收單機構應依主管機關規定辦理爭議帳款處理事宜。
十一、收單機構經營業務應以公平、合理方式為之，向特約商店收取費用應考量相關作業成本、交易風險及合理利潤等，訂定合理之定價，不得以不合理之收費招攬或從事收單業務。
依前項第八款規定採銀行十足履約保證者，其所簽訂履約保證之銀行應符合主管機關所定之條件。
收單機構所辦理其他業務經主管機關核准接受持卡人以信用卡支付款項者，應於收單業務部門及該項其他業務部門間建立內部控制及內部稽核機制，且收單業務部門就該項其他業務部門接受以信用卡支付款項之相關事宜應符合第一項第三款至第五款、第九款、第十款、第二十七條第一項所列事項內容及第五十三條規定。