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 17
An approved institution that cooperates with or assists a foreign institution in engaging in activities associated with electronic payment business within the territory of the ROC shall comply with the following provisions:1. Carry out transfer of funds collected/paid as an agent according to the agreement with the customer or the foreign institution without any delay.2. Funds received from or paid to customers may be settled and cleared in NTD or foreign currency, whereas offshore funds received or paid shall be settled and cleared in foreign currency. When the settlement involves foreign exchange receipts and disbursement or transactions, an approved institution other than a banking enterprise shall mandate a banking enterprise to declare exchange settlement in the name of the mandatory.3. When paying a customer funds collected on his/her behalf, the funds should be transferred into the said customer's personally owned account in a financial institution or an electronic payment account in the same currency, but the said funds are not allowed to be paid in cash.4. Establish a customer identity verification mechanism and retain the data obtained in the customer identification process. Such procedure shall apply when a customer changes his/her identity information.5. Retain necessary customer transaction records, including transaction items, dates, amounts and currencies. Any uncompleted transactions shall comply with the same record procedure.6. Establish a mechanism for handling customer complaints and dispute settlement.7. File reports on data and information relating to cooperating with or assisting a foreign institution in engaging in activities associated with electronic payment business within the territory of the ROC in accordance with the requirements of the competent authority and the Central Bank.The retention period for data obtained in customer identification process referred to in Subparagraph 4 of the preceding paragraph shall be at least 5 years after the contractual relationship with the customer ceases.The necessary transaction records referred to in Subparagraph 5 of Paragraph 1 shall be retained for at least 5 years after the termination or completion of transaction, or longer, provided longer period of retention is required according to other regulations.Regulations prescribed pursuant to Paragraph 3 of Article 25 and Paragraph 3 of Article 26 of the Act apply mutatis mutandis to approved institutions with respect to the manner of establishment, process for customer identity verification mechanism, as well as management and scope of data to be obtained in the customer identity verification process provided in Subparagraph 4 of Paragraph 1 hereof, and the scope and method of retaining necessary transaction records provided in Subparagraph 5 of Paragraph 1 hereof.The approved institution shall adopt suitable identity verification mechanisms for the verification of the customer's personally own account for the services set out in subparagraph 4, Paragraph 1 of Article 4 to verify the consistency of the account holder, in order to confirm that the account belongs to the said customer.Regulations prescribed pursuant to Article 16 of the Act apply mutatis mutandis to the approved institutions with respect to limits of transaction amount in association with services provided by such approved institutions under Subparagraphs 1 to 4, Paragraph 1 of Article 4 herein.The regulations in Article 5 of the Rules Governing the Administration of Electronic Payment Business apply mutatis mutandis to the reporting and inquiry of related information to the Joint Credit Information Center as well as other requirements when an approved institution signs or terminates a contract with a domestic recipient customer, but this requirement shall not apply if the approved institution provides services specified in Subparagraph 4, Paragraph 1 of Article 4 to domestic recipient customers.
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17條
經核准機構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，應符合下列規定：
一、依與客戶或境外機構之約定，進行代理收付款項移轉作業，不得有遲延支付之行為。
二、與客戶間之代理收付款項、結算及清算，得以新臺幣或外幣為之；對境外代理收付款項收付、結算及清算，應以外幣為之。
涉及外匯收支或交易事項，銀行業以外之經核准機構，應經由銀行業，以受託人名義辦理結匯申報。
三、對客戶支付代理收付款項時，應將款項轉入該客戶本人之相同幣別金融機構存款帳戶或電子支付帳戶，不得以現金為之。
四、建立客戶身分確認機制，並留存確認客戶身分程序所得之資料；客戶變更身分資料時，亦同。
五、留存客戶交易項目、日期、金額及幣別等必要交易紀錄；未完成之交易，亦同。
六、建置客訴處理及紛爭解決機制。
七、依主管機關及中央銀行之規定，申報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有關資料。
前項第四款確認客戶身分程序所得資料，於契約關係消滅後，至少應留存五年。
第一項第五款必要交易紀錄，於停止或完成交易後，至少應留存五年。
但其他法規有較長之規定者，依其規定。
經核准機構對於第一項第四款客戶身分確認機制之建立方式、程序、管理、確認客戶身分程序所得資料範圍等相關事項，及第一項第五款留存必要交易紀錄之範圍與方式，準用本條例第二十五條第三項及第二十六條第三項所定辦法之規定。
經核准機構辦理第四條第一項第四款服務所涉客戶本人帳戶之驗證，應運用適當之身分確認機制，驗證帳戶持有人之同一性，以確認屬客戶本人之帳戶。
經核准機構辦理第四條第一項第一款至第四款服務之交易限額，準用本條例第十六條所定辦法之規定。
經核准機構與我國境內收款方客戶簽訂及終止契約時，其通報財團法人金融聯合徵信中心、查詢相關資料及其他應遵行事項，準用電子支付機構業務管理規則第五條之規定。
但經核准機構為我國境內收款方客戶辦理第四條第一項第四款服務，不在此限。
一、依與客戶或境外機構之約定，進行代理收付款項移轉作業，不得有遲延支付之行為。
二、與客戶間之代理收付款項、結算及清算，得以新臺幣或外幣為之；對境外代理收付款項收付、結算及清算，應以外幣為之。
涉及外匯收支或交易事項，銀行業以外之經核准機構，應經由銀行業，以受託人名義辦理結匯申報。
三、對客戶支付代理收付款項時，應將款項轉入該客戶本人之相同幣別金融機構存款帳戶或電子支付帳戶，不得以現金為之。
四、建立客戶身分確認機制，並留存確認客戶身分程序所得之資料；客戶變更身分資料時，亦同。
五、留存客戶交易項目、日期、金額及幣別等必要交易紀錄；未完成之交易，亦同。
六、建置客訴處理及紛爭解決機制。
七、依主管機關及中央銀行之規定，申報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有關資料。
前項第四款確認客戶身分程序所得資料，於契約關係消滅後，至少應留存五年。
第一項第五款必要交易紀錄，於停止或完成交易後，至少應留存五年。
但其他法規有較長之規定者，依其規定。
經核准機構對於第一項第四款客戶身分確認機制之建立方式、程序、管理、確認客戶身分程序所得資料範圍等相關事項，及第一項第五款留存必要交易紀錄之範圍與方式，準用本條例第二十五條第三項及第二十六條第三項所定辦法之規定。
經核准機構辦理第四條第一項第四款服務所涉客戶本人帳戶之驗證，應運用適當之身分確認機制，驗證帳戶持有人之同一性，以確認屬客戶本人之帳戶。
經核准機構辦理第四條第一項第一款至第四款服務之交易限額，準用本條例第十六條所定辦法之規定。
經核准機構與我國境內收款方客戶簽訂及終止契約時，其通報財團法人金融聯合徵信中心、查詢相關資料及其他應遵行事項，準用電子支付機構業務管理規則第五條之規定。
但經核准機構為我國境內收款方客戶辦理第四條第一項第四款服務，不在此限。