The Act Governing Electronic Payment Institutions Article 3
The terms used in the Act are defined as follows:1. Electronic payment institution: An electronic payment institution refers to an institution approved by the competent authority to operate businesses specified in Paragraph 1 and Paragraph 2 of Article 4.2. Contracted institution: A contracted institution refers to an institution which signs a contract with an electronic payment institution that allows users to use electronic payment accounts or stored value cards to pay for actual transactions.3. User: A user refers to an individual or an entity that signs a contract with an electronic payment institution for using an electronic payment account or stored value card to transfer payment funds or store the value.4. Electronic payment account: An electronic payment account refers to a payment instrument that accepts the registration and account opening by users to keep track of their payment funds transfer and stored value through a network or electronic payment platform and uses electronic equipment to convey the receipt/payment information via connection.5. Stored value card: A stored value card refers to payment instrument issued in the form of a chip, card, certificate, or other physical or non-physical form, with data storage or computing functions, that uses electronic, magnetic, optical, or other technology to store monetary value.6. Collecting and making payments for actual transactions as an agent: This business refers to the acceptance of funds transferred by the payer based on an actual transaction and the transfer of the payment for the actual transaction to the payee after certain conditions are met, upon the expiry of a certain period, or based on the payer’s instructions.7. Accepting stored value funds: This business refers to the acceptance of funds deposited by the payer in advance and the use of an electronic payment account or a stored value card for multiple purposes of payments.8. Domestic or international small-amount remittances: This business refers to the use of an electronic payment account or a stored value card for funds transfer below a certain amount in accordance with payment instructions made by the payer that are not based on actual transactions.9. Payment funds refer to an amount of money made within the following scope:(1) Funds collected or paid by the institution as an agent: Funds collected or paid for actual transactions by the institution as an agent and payments collected or made in domestic or international small-amount remittances services.(2) Stored value funds: Funds collected for operating stored value funds businesses.10. Multiple purposes of payments: The payments refer to the stored value funds in an electronic payment account or a stored value card which may be used to pay for products or services provided by individuals or entities other than the electronic payment institution, for payments of government entities, and for other payments approved by the competent authority. However, the following conditions are not included:(1) Cases where the stored value funds can only be used to pay for transportation, which has been approved by the competent authority of transportation in charge.(2) Product (service) gift certificate that can only be used to request a person designated by the issuer for the delivery or supply of a product or service.(3) The stored value card issued by, or the electronic payment account opened by, all levels of government agencies, whose stored value funds are pre-deposited by that government agency as the payer.
中文原文 電子支付機構管理條例第3條
本條例用詞，定義如下：
一、電子支付機構：指依本條例經主管機關許可，經營第四條第一項及第二項各款業務之機構。
二、特約機構：指與電子支付機構簽訂契約，約定使用者得以電子支付帳戶或儲值卡支付實質交易款項者。
三、使用者：指與電子支付機構簽訂契約，利用電子支付帳戶或儲值卡，移轉支付款項或進行儲值者。
四、電子支付帳戶：指以網路或電子支付平臺為中介，接受使用者註冊與開立記錄支付款項移轉及儲值情形，並利用電子設備以連線方式傳遞收付訊息之支付工具。
五、儲值卡：指具有資料儲存或計算功能之晶片、卡片、憑證等實體或非實體形式發行，並以電子、磁力或光學等技術儲存金錢價值之支付工具。
六、代理收付實質交易款項：指接受付款方基於實質交易所移轉之款項，並經一定條件成就、一定期間屆至或付款方指示後，將該實質交易之款項移轉予收款方之業務。
七、收受儲值款項：指接受付款方預先存放款項，並利用電子支付帳戶或儲值卡進行多用途支付使用之業務。
八、辦理國內外小額匯兌：指依付款方非基於實質交易之支付指示，利用電子支付帳戶或儲值卡進行一定金額以下款項移轉之業務。
九、支付款項，指下列範圍之款項：
（一）代理收付款項：經營代理收付實質交易款項及辦理國內外小額匯兌業務所收取之款項。
（二）儲值款項：經營收受儲值款項業務所收取之款項。
十、多用途支付使用：指電子支付帳戶或儲值卡內之儲值款項，得用於支付電子支付機構以外之人所提供之商品或服務對價、政府部門各種款項及其他經主管機關核准之款項。
但不包括下列情形：
（一）僅用於支付交通運輸使用，並經交通目的事業主管機關核准。
（二）僅得向發行人所指定之人請求交付或提供商品或服務之商品（服務）禮券。
（三）各級政府機關（構）發行之儲值卡或受理開立之電子支付帳戶，其儲值款項由該政府機關為付款方預先存放。
一、電子支付機構：指依本條例經主管機關許可，經營第四條第一項及第二項各款業務之機構。
二、特約機構：指與電子支付機構簽訂契約，約定使用者得以電子支付帳戶或儲值卡支付實質交易款項者。
三、使用者：指與電子支付機構簽訂契約，利用電子支付帳戶或儲值卡，移轉支付款項或進行儲值者。
四、電子支付帳戶：指以網路或電子支付平臺為中介，接受使用者註冊與開立記錄支付款項移轉及儲值情形，並利用電子設備以連線方式傳遞收付訊息之支付工具。
五、儲值卡：指具有資料儲存或計算功能之晶片、卡片、憑證等實體或非實體形式發行，並以電子、磁力或光學等技術儲存金錢價值之支付工具。
六、代理收付實質交易款項：指接受付款方基於實質交易所移轉之款項，並經一定條件成就、一定期間屆至或付款方指示後，將該實質交易之款項移轉予收款方之業務。
七、收受儲值款項：指接受付款方預先存放款項，並利用電子支付帳戶或儲值卡進行多用途支付使用之業務。
八、辦理國內外小額匯兌：指依付款方非基於實質交易之支付指示，利用電子支付帳戶或儲值卡進行一定金額以下款項移轉之業務。
九、支付款項，指下列範圍之款項：
（一）代理收付款項：經營代理收付實質交易款項及辦理國內外小額匯兌業務所收取之款項。
（二）儲值款項：經營收受儲值款項業務所收取之款項。
十、多用途支付使用：指電子支付帳戶或儲值卡內之儲值款項，得用於支付電子支付機構以外之人所提供之商品或服務對價、政府部門各種款項及其他經主管機關核准之款項。
但不包括下列情形：
（一）僅用於支付交通運輸使用，並經交通目的事業主管機關核准。
（二）僅得向發行人所指定之人請求交付或提供商品或服務之商品（服務）禮券。
（三）各級政府機關（構）發行之儲值卡或受理開立之電子支付帳戶，其儲值款項由該政府機關為付款方預先存放。