Regulations Governing Identity Verification Mechanism and Transaction Amount Limits of Electronic Payment Institutions Article 20
The transaction amount limits on users’ e-payment accounts opened in electronic payment institutions are as follows:1. Type 1 e-payment account:(1) Cumulative amount of collection and payment of real transaction per month shall be agreed between the electronic payment institution and the user.(2) The balance of stored value funds deposited shall be limited to not more than an equivalent of NT$100,000.(3) Each small-amount domestic and international remittance shall be limited to not more than NT$100,000 or its equivalent. The cumulative collection and payment amount for small-amount domestic and international remittances of individual users shall be respectively limited to not more than NT$1,000,000 or its equivalent; the cumulative collection and payment amount for small-amount domestic and international remittances of non-individual users shall be respectively limited to not more than NT$10,000,000 or its equivalent.2. Type 2 e-payment account:(1) Cumulative payment received and made per month shall be respectively limited to not more than an equivalent of NT$300,000.(2) The balance of the stored value funds deposited shall be limited to not more than NT$50,000 or its equivalent.(3) Each small-amount domestic and international remittance shall be limited to not more than NT$50,000 or its equivalent.3. Type 3 e-payment account:(1) The payment amount for cumulative payment received and made for real transactions per month shall be limited to not more than an equivalent of NT$30,000. An electronic payment institution may take its risk tolerance or users’ actual need into account, and to see if it shall raise the payment amount for cumulative payment received and made for real transactions per month. However, the cumulative payment amount for real transactions per month shall not exceed NT$100,000 or its equivalent, and the cumulative payment amount for real transactions per year shall not exceed NT$360,000 or its equivalent.(2) The balance of the stored value funds deposited shall be limited to not more than NT$10,000 or its equivalent.(3) The small-amount domestic and international remittances received from an electronic payment account of a lineal relative or guardian in the same institution shall be limited to not more than NT$10,000 or its equivalent per month.The domestic transactions, stored value, and small-amount domestic and international remittances for funds collected for real transactions as an agent with electronic payment accounts prescribed in the preceding paragraph shall be processed in accordance with regulations in the preceding paragraph. Where the accounts are settled in NTD, the cumulative amount for the same user per week shall be limited to not more than NT$500,000 or its equivalent. The settlement amounts of foreign exchange purchases and sales shall be calculated separately.The stored value funds and transaction amount limits for stored value cards are as follows:1. The funds balance of each stored value card shall be limited to not more than NT$10,000 or its equivalent.2. The cumulative payment amount per month for a registered stored value card in online transactions shall be limited to not more than an equivalent of NT$30,000. When the same user has two or more stored value cards issued by the same electronic payment institution that can be used for online transactions, the transaction amount shall be calculated together and the total transaction amount of the consolidated accounts shall not exceed the limited amount.3. The transaction amount of a stored value card annexed to an electronic payment account shall be calculated together with the transaction amount of the electronic payment account, and total transaction amount consolidated from the both shall not exceed the limit for the electronic payment account.
中文原文 電子支付機構使用者身分確認機制及交易限額管理辦法第20條
電子支付機構接受使用者註冊所開立之電子支付帳戶，其交易限額如下：
一、第一類電子支付帳戶：
（一）每月累計代理收付實質交易款項之收款及付款金額，由電子支付機構與使用者約定之。
（二）儲值餘額以等值新臺幣十萬元為限。
（三）國內外小額匯兌之每筆金額，以等值新臺幣十萬元為限。
個人使用者辦理國內外小額匯兌之每月累計收款及付款金額，分別以等值新臺幣一百萬元為限；非個人使用者辦理國內外小額匯兌之每月累計收款及付款金額，分別以等值新臺幣一千萬元為限。
二、第二類電子支付帳戶：
（一）每月累計收款及付款金額，分別以等值新臺幣三十萬元為限。
（二）儲值餘額以等值新臺幣五萬元為限。
（三）國內外小額匯兌之每筆金額，以等值新臺幣五萬元為限。
三、第三類電子支付帳戶：
（一）每月累計代理收付實質交易款項之付款金額，以等值新臺幣三萬元為限。
電子支付機構得視其風險承擔能力或使用者實際需要，提高每月累計代理收付實質交易款項之付款金額，但每月累計代理收付實質交易款項之付款金額，不得超過等值新臺幣十萬元，且每年累計代理收付實質交易款項之付款金額，以等值新臺幣三十六萬元為限。
（二）儲值餘額以等值新臺幣一萬元為限。
（三）自同機構之直系血親或監護人電子支付帳戶進行國內外小額匯兌之收款金額，每月累計以等值新臺幣一萬元為限。
前項各類電子支付帳戶辦理代理收付實質交易款項之境內交易、儲值及國內外小額匯兌業務，除應依前項規定辦理外，如涉及以新臺幣結匯者，同一使用者併計其金額每週以累積未達等值新臺幣五十萬元為限，結購與結售金額分別計算。
儲值卡之儲值及交易限額如下：
一、每張儲值卡之儲值餘額，以等值新臺幣一萬元為限。
二、記名式儲值卡使用於網際網路交易之每月累計付款金額以等值新臺幣三萬元為限。
同一使用者於同一電子支付機構持有二張以上得使用於網際網路交易之儲值卡，其交易金額應合併計算，且歸戶後總交易金額不得超過該限額。
三、附隨電子支付帳戶之儲值卡，其交易金額應與該電子支付帳戶交易金額合併計算，且不得超過該電子支付帳戶類別之限額。
一、第一類電子支付帳戶：
（一）每月累計代理收付實質交易款項之收款及付款金額，由電子支付機構與使用者約定之。
（二）儲值餘額以等值新臺幣十萬元為限。
（三）國內外小額匯兌之每筆金額，以等值新臺幣十萬元為限。
個人使用者辦理國內外小額匯兌之每月累計收款及付款金額，分別以等值新臺幣一百萬元為限；非個人使用者辦理國內外小額匯兌之每月累計收款及付款金額，分別以等值新臺幣一千萬元為限。
二、第二類電子支付帳戶：
（一）每月累計收款及付款金額，分別以等值新臺幣三十萬元為限。
（二）儲值餘額以等值新臺幣五萬元為限。
（三）國內外小額匯兌之每筆金額，以等值新臺幣五萬元為限。
三、第三類電子支付帳戶：
（一）每月累計代理收付實質交易款項之付款金額，以等值新臺幣三萬元為限。
電子支付機構得視其風險承擔能力或使用者實際需要，提高每月累計代理收付實質交易款項之付款金額，但每月累計代理收付實質交易款項之付款金額，不得超過等值新臺幣十萬元，且每年累計代理收付實質交易款項之付款金額，以等值新臺幣三十六萬元為限。
（二）儲值餘額以等值新臺幣一萬元為限。
（三）自同機構之直系血親或監護人電子支付帳戶進行國內外小額匯兌之收款金額，每月累計以等值新臺幣一萬元為限。
前項各類電子支付帳戶辦理代理收付實質交易款項之境內交易、儲值及國內外小額匯兌業務，除應依前項規定辦理外，如涉及以新臺幣結匯者，同一使用者併計其金額每週以累積未達等值新臺幣五十萬元為限，結購與結售金額分別計算。
儲值卡之儲值及交易限額如下：
一、每張儲值卡之儲值餘額，以等值新臺幣一萬元為限。
二、記名式儲值卡使用於網際網路交易之每月累計付款金額以等值新臺幣三萬元為限。
同一使用者於同一電子支付機構持有二張以上得使用於網際網路交易之儲值卡，其交易金額應合併計算，且歸戶後總交易金額不得超過該限額。
三、附隨電子支付帳戶之儲值卡，其交易金額應與該電子支付帳戶交易金額合併計算，且不得超過該電子支付帳戶類別之限額。