Regulations Governing Cooperating with or Assisting Foreign Institutions in Engaging in Activities Associated with Electronic Payment Business within the Territory of the Republic of China Article 10
To apply for approval to cooperate with or assist a foreign institution in engaging in activities associated with electronic payment business within the territory of the ROC, the founders or responsible persons shall submit the following documents with two copies each to the competent authority:1. An application form;2. The minutes of founders' meeting or board of directors meeting of a company limited by shares or the written consent of directors of a limited company;3. A business plan describing the scope and modes of related activities applied for, principles and direction of business operations and actual implementation methods, market prospects, and risk and benefit analysis;4. Internal business rules and description of business processes;5. Agreements or templates therefor among relevant parties involved in related activities regarding their respective rights and obligations;6. Description of information system and security control to be adopted for related business activities;7. Description of CPA-certified clearing and settlement mechanism for business transactions;8. Description of CPA-certified safeguard mechanism for funds collected/paid as an agent and trust agreement, performance guarantee agreement or templates therefor;9. Supporting documents that evidenced the foreign institution complied with the requirements set forth in the preceding article; and10. Other documents as required by the competent authority.Where an institution applies for engaging in services specified in Subparagraph 3, Paragraph 1 of Article 4 or funds transfer clearing services, system interfacing, and data transmission and exchange services provided by a foreign funds transfer clearing services institution, it shall provide the following documents in addition to the documents specified in the subparagraphs of the preceding paragraph:1. Feasibility analysis: The contents must include the considerations for selecting the electronic payment account or registered stored value card for use outside the territory of the ROC or foreign funds transfer clearing services institutions, applicable local regulations, and whether such regulations are met.2. A foreign institution or foreign funds transfer clearing services institution must submit a legitimacy opinion or approval document issued by the competent authority of the local government. If the service does not be supervised by any competent authority for issuing special permits, a legitimacy opinion issued by a local lawyer stating the legality of its operations may be provided.3. Funds transfer clearing services, system interfacing, and data transmission and exchange services provided by a foreign funds transfer clearing services institution: Specify that it retains sufficient liquidity to maintain smooth clearing services, system security, anti-money laundering related control and counter terrorism financing, and protection of rights and interests.Where an institution applies for engaging in related activities set out in Paragraph 1 of Article 4 and a foreign funds transfer clearing services institution provided system interfacing, and data transmission and exchange services, it is not required the institution to submit the documents specified in Subparagraph 5 and Subparagraph 9, Paragraph 1 if it meets the following conditions:1. Where the approved institution and the foreign funds transfer clearing services institution agree that when the foreign institution has failed to perform its payment obligations and both the foreign funds transfer clearing services institution and the foreign institution bear the same obligations for its unfulfillment.2. A statement issued by the foreign funds transfer clearing services institution which includes:(1) The foreign funds transfer clearing services institution has completed due diligence investigations on the financial, business, information system and risk management capabilities of the cooperating foreign institution, and the foreign institution meets the requirements of the regulations in the preceding article.(2) The foreign funds transfer clearing services institution has undertaken the duty to supervise the cooperating foreign institution, and demonstrate its solutions to the matters specified in Article 23 that involve or happened to the foreign institution.When a bank engaging concurrently in electronic payment business, Chunghwa Post or a bank not engaging concurrently in electronic payment business applies for approval to cooperate with or assist a foreign institution in engaging in activities associated with electronic payment business within the territory of the ROC, documents under Subparagraph 8 of Paragraph 1 are not required.When a data processing service provider applies for approval to cooperate with or assist a foreign institution in engaging in activities associated with electronic payment business within the territory of the ROC, the applicant shall submit a valid recommendation letter issued by the MOEA in addition to documents set out in Paragraph 1 hereof.The internal business guidelines referred to in Subparagraph 4 of Paragraph 1 hereof shall contain the following items:1. Operational manual and division of responsibilities;2. Anti-money laundering and counter terrorism financing related internal control and audit system;3. Customer identity verification mechanism;4. Accounting methods;5. Measures for protecting customer interests and dispute handling procedure;6. Internal control system and internal audit system; and7. Other items as required by the competent authority.The supporting documents referred to in Subparagraph 9 of Paragraph 1 hereof mean the following documents:1. The foreign institution has a license or permit issued by the local competent authority, and a certification letter;2. A statement from the foreign institution undertaking that it is free of any major violation of the local rules or regulations in the past three years; and3. Other documents as required by the competent authority.The certification letter provided by Subparagraph 1 of the preceding paragraph shall be notarized by a notary public appointed by the local agency at where the foreign institution is located and authenticated by a ROC consulate, representative office, or liaison office abroad or other institutions authorized by the Ministry of Foreign Affairs.
中文原文 與境外機構合作或協助境外機構於我國境內從事電子支付機構業務相關行為管理辦法第10條
申請與境外機構合作或協助其於我國境內從事電子支付機構業務相關行為之核准，應由發起人或負責人檢具下列書件各二份，向主管機關為之：
一、申請書。
二、發起人會議、股份有限公司董事會會議紀錄或有限公司董事書面同意。
三、營業計畫書：載明所申請相關行為之範圍與方式、業務經營之原則、方針與具體執行之方法、市場展望、風險及效益評估。
四、業務章則及業務流程說明。
五、所申請相關行為之各關係人間權利義務關係約定書或其範本。
六、所申請相關行為採用之資訊系統與安全控管作業說明。
七、經會計師認證之交易結算及清算機制說明。
八、經會計師認證之代理收付款項保障機制說明及信託契約、履約保證契約或其範本。
九、境外機構符合前條所定條件之證明文件。
十、其他經主管機關規定之書件。
申請從事第四條第一項第三款服務或由境外帳務清算機構提供帳務清算及其系統介接、資訊傳輸與交換服務者，除檢具前項各款書件外，並應分別檢具下列書件：
一、可行性分析說明：內容包括電子支付帳戶或記名式儲值卡得以使用於我國境外地區或境外帳務清算機構之選定因素、當地適用之法令規定及是否符合其規定。
二、境外機構或境外帳務清算機構所屬當地政府主管機關出具之適法性意見書或許可文件；如本服務於當地無特許事業主管機關者，得由當地律師出具合法經營之適法性意見書。
三、境外帳務清算機構提供帳務清算及其系統介接、資訊傳輸與交換服務能力說明：載明具備足夠流動性以維持清算順暢、系統安全性、防制洗錢與打擊資恐控管機制及權益保護措施。
申請從事第四條第一項相關行為且由境外帳務清算機構提供帳務清算及其系統介接、資訊傳輸與交換服務者，符合下列要件，得免檢具第一項第五款及第九款規定之書件：
一、經核准機構與境外帳務清算機構約定境外機構未履行撥付款項義務，境外帳務清算機構與境外機構之行為，負同一責任者。
二、境外帳務清算機構出具聲明書：
（一）境外帳務清算機構已針對合作之境外機構進行財務、業務、資訊系統及風險管理能力之盡職調查，該境外機構符合前條規定。
（二）境外帳務清算機構對於合作之境外機構有相當監督義務及境外機構發生第二十三條之情事，其處置方式。
兼營電子支付機構業務之銀行與中華郵政股份有限公司及非兼營電子支付機構業務之銀行申請與境外機構合作或協助其於我國境內從事電子支付機構業務相關行為之核准，免檢具第一項第八款規定之書件。
資料處理服務業者申請與境外機構合作或協助其於我國境內從事電子支付機構業務相關行為之核准，除檢具第一項規定之書件外，另應檢具經濟部所核發且於有效期限內之推薦文件。
第一項第四款所稱之業務章則，應記載下列事項：
一、作業手冊及權責劃分。
二、防制洗錢與打擊資恐內部控制及稽核制度。
三、客戶身分確認機制。
四、會計處理方式。
五、客戶權益保障措施及糾紛處理程序。
六、內部控制制度及內部稽核制度。
七、其他經主管機關規定之事項。
第一項第九款所稱之證明文件，指下列書件：
一、境外機構經所屬當地政府主管機關核發之執照或許可及認證書。
二、境外機構於最近三年內，無重大違反當地政府之相關法令之聲明書。
三、其他經主管機關規定之書件。
前項第一款認證書，應經境外機構所屬當地政府之公證人予以認證及我國駐外使領館、代表處、辦事處或其他經外交部授權機構予以驗證。
一、申請書。
二、發起人會議、股份有限公司董事會會議紀錄或有限公司董事書面同意。
三、營業計畫書：載明所申請相關行為之範圍與方式、業務經營之原則、方針與具體執行之方法、市場展望、風險及效益評估。
四、業務章則及業務流程說明。
五、所申請相關行為之各關係人間權利義務關係約定書或其範本。
六、所申請相關行為採用之資訊系統與安全控管作業說明。
七、經會計師認證之交易結算及清算機制說明。
八、經會計師認證之代理收付款項保障機制說明及信託契約、履約保證契約或其範本。
九、境外機構符合前條所定條件之證明文件。
十、其他經主管機關規定之書件。
申請從事第四條第一項第三款服務或由境外帳務清算機構提供帳務清算及其系統介接、資訊傳輸與交換服務者，除檢具前項各款書件外，並應分別檢具下列書件：
一、可行性分析說明：內容包括電子支付帳戶或記名式儲值卡得以使用於我國境外地區或境外帳務清算機構之選定因素、當地適用之法令規定及是否符合其規定。
二、境外機構或境外帳務清算機構所屬當地政府主管機關出具之適法性意見書或許可文件；如本服務於當地無特許事業主管機關者，得由當地律師出具合法經營之適法性意見書。
三、境外帳務清算機構提供帳務清算及其系統介接、資訊傳輸與交換服務能力說明：載明具備足夠流動性以維持清算順暢、系統安全性、防制洗錢與打擊資恐控管機制及權益保護措施。
申請從事第四條第一項相關行為且由境外帳務清算機構提供帳務清算及其系統介接、資訊傳輸與交換服務者，符合下列要件，得免檢具第一項第五款及第九款規定之書件：
一、經核准機構與境外帳務清算機構約定境外機構未履行撥付款項義務，境外帳務清算機構與境外機構之行為，負同一責任者。
二、境外帳務清算機構出具聲明書：
（一）境外帳務清算機構已針對合作之境外機構進行財務、業務、資訊系統及風險管理能力之盡職調查，該境外機構符合前條規定。
（二）境外帳務清算機構對於合作之境外機構有相當監督義務及境外機構發生第二十三條之情事，其處置方式。
兼營電子支付機構業務之銀行與中華郵政股份有限公司及非兼營電子支付機構業務之銀行申請與境外機構合作或協助其於我國境內從事電子支付機構業務相關行為之核准，免檢具第一項第八款規定之書件。
資料處理服務業者申請與境外機構合作或協助其於我國境內從事電子支付機構業務相關行為之核准，除檢具第一項規定之書件外，另應檢具經濟部所核發且於有效期限內之推薦文件。
第一項第四款所稱之業務章則，應記載下列事項：
一、作業手冊及權責劃分。
二、防制洗錢與打擊資恐內部控制及稽核制度。
三、客戶身分確認機制。
四、會計處理方式。
五、客戶權益保障措施及糾紛處理程序。
六、內部控制制度及內部稽核制度。
七、其他經主管機關規定之事項。
第一項第九款所稱之證明文件，指下列書件：
一、境外機構經所屬當地政府主管機關核發之執照或許可及認證書。
二、境外機構於最近三年內，無重大違反當地政府之相關法令之聲明書。
三、其他經主管機關規定之書件。
前項第一款認證書，應經境外機構所屬當地政府之公證人予以認證及我國駐外使領館、代表處、辦事處或其他經外交部授權機構予以驗證。