Rules Governing the Administration of Electronic Payment Business Article 24

An electronic payment institution shall not offer users or contracted institutions overdraft services, loans, or other credit lines. Nor shall an electronic payment institution advances for a user when the amount of payment instructed by the user exceeds the balance in his/her e-payment account or stored value card. However, the aforementioned restrictions shall not apply to one-time advances and usage in the public transportation or parking lot business.