INDONESIA LAW OVERVIEW ON PAYMENT SERVICE PROVIDER

印度尼西亚关于支付系统服务提供商的法律概述

The era of digitalization and non-cash payment trends in Indonesian society is currently increasing. This is evidenced by many shops, restaurants or shopping centers using non-cash as payment methods, therefore, to protect the customer and seller while conducting the transaction through non-cash payment, there is an urgency for Bank Indonesia to renew the arrangements for the implementation of Payment System Provider (Penyelenggara Jasa Pembayaran or “PJP”).

印度尼西亚社会数字化和非现金支付趋势的时代目前正在加剧。许多商店、餐馆或购物中心使用非现金支付方式证明了这一点，因此，为了在通过非现金支付进行交易时保护客户和卖家，印度尼西亚银行迫切需要更新支付系统服务提供商（Penyelenggara Jasa Pembayaran或“PJP”）的实施安排。

 

The Bank Indonesia, as the central bank in Indonesia, through the enactment of Bank Indonesia Regulation Number 23/6/PBI/2021 on Payment System Services Provider ( “PJP Regulation”) stipulate that for Banks or Non-Bank Institution with business activity that provide services to facilitate payment transaction to user of services in Indonesia is required to obtain PJP license from Bank Indonesia.

印度尼西亚银行作为印度尼西亚的中央银行，通过颁布印度尼西亚银行条例第23/6/PBI/2021号关于支付系统服务提供商 (“PJP条例”)规定，为印度尼西亚服务用户提供支付交易便利服务的银行或非银行机构必须获得印度尼西亚银行颁发的PJP许可证。

 

The PJP licenses that are issued by Bank Indonesia are divided into 3 (three) category of licenses, namely:

印尼银行颁发的PJP许可证分为3（三）类，即：

1.    Licenses for Category One 第一类许可证

With a minimum paid-up capital in the amount of IDR15,000,000,000.00 (fifteen billion Rupiah), it includes the following activities:

最低实缴注册资本金为15,000,000,000.00印尼盾(一百五十亿印尼盾)，包括以下业务:

a.    administration of sources of funds; 资金来源的管理；

b.    providing information on sources of funds; 提供资金来源的信息；

c.    payment initiation and/or acquiring services; and 支付启动和/或获取服务；

d.    remittance services. 汇款服务。

2.    Licenses for Category Two  第二类许可证

with a minimum paid-up capital in the amount of IDR5,000,000,000.00 (five billion Rupiah), it includes the followings activities:

最低实缴注册资本金为5,000,000,000.00(五十亿)印尼盾，包括以下业务

a.    providing information on sources of funds; and提供资金来源的信息；和

b.    payment initiation and/or acquiring services. 支付启动和/或获取服务。

3.    Licenses for Category Three 第三类许可证

it includes the followings activities:

包括以下业务：

a.    remittance services; and/or 汇款服务；和/或

b.    other matters specified by Bank Indonesia. 印度尼西亚央行规定的其他事项。

  With a minimum paid-up capital, at least:

最低的实缴注册资本金，至少：

a.    IDR500,000,000.00 (five hundred million Rupiah), for prospective PJP who does not provide a system that can be used by other PJP with license category three; or

500,000,000.00(五亿)印尼盾)，用于不提供可供其他拥有第三类许可证的PJP使用的系统的潜在PJP;或

b.    IDR1,000,000,000.00 (one billion Rupiah), for prospective PJP who provide a system that can be used by other PJP with license category three.

1,000,000,000.00(十亿)印尼盾，用于提供可由其他拥有第三类许可证的PJP使用的系统的潜在PJP。

Further, Bank Indonesia will conduct assessment from the several aspects which consist of:

此外，印度尼西亚央行会进行从以下几个不同的方面进行评估：

1.    Institutional, shall include the legality of legal entities, ownership, control and management.

制度性，应当包括法人实体的合法性、所有权、控制权和管理权。

The institutional aspect in term of ownership for prospective PJP form of Non-Bank Institutions includes the composition of ownership and structure of controlling is as follow:

非银行机构PJP形式的所有权制度方面包括所有权的组成和控制权结构如下所示:

a.  Ownership/所有权：

                                  i.  share ownership composition shall be at least 15% of its shares are owned by domestic.

股权构成至少15%的股权为印尼国内内资持有。

                                 ii. share ownership composition shall be at least 85% of its shares are owned by foreign.

股权构成应至少85%的股份可由为外国股东持有。

b.  Controlling/控制权:

                                  i.        composition of shares with voting rights of at least 51% (fifty one percent) shall be held by domestic.

具有至少51%（百分之五十一）投票权的股份应由印尼内资股东享有。

                                 ii.        composition of shares with voting rights of at least 49% (forty nine percent) shall be held by foreign.

具有至少49%（百分之四十九）投票权的股份可由外国股东享有。

2.    Capital and Finance shall include the minimum requirements for paid-up capital, feasibility analysis, and business projections.

资本和财务，应包括实收资本的最低要求、可行性分析和业务预测。

3.    Risk Management shall include the legal risk, operational risk and liquidity risk. and

风险管理，应包括法律风险、操作风险和流动性风险。和

4.    Information System Capabilities shall be assessed at least through: information system security control procedures; fraud management system; information systems audit and security testing; and capability level and availability of information system.

信息系统能力的评估应至少通过信息系统安全控制程序;欺诈管理系统;信息系统审计和安全测试;以及信息系统的能力水平和可用性。

Lastly, in order to fulfill the completeness of the prospective PJP documents during the licenses application BI shall conduct: (i) pre-consultative meeting; (ii) consultative meetings; and (iii) coaching clinic.

最后，为了在许可证申请期间实现潜在PJP文件的完整性，BI应进行:(i)预审;（ii）复审;(iii)辅导。

 

This article is not intended to serve as and should not be relied on as legal advice or as a substitute for legal advice in individual cases. If you have any questions or concerns about any of the above issues, please reach out to Hardelima Sitompul at hardelima@sidabukke.id or Maria Lutgardis at lutgardis@sidabukke.id to obtain specific advice.

本文无意作为也不应作为法律意见或作为个别案件中法律意见。 如果您对上述任何问题有任何疑问或疑虑，请通过 hardelima@sidabukke.id 联系 Hardelima Sitompul 或通过 lutgardis@sidabukke.id 联系 Maria Lutgardis 以获得具体建议。