據報內地非完全限制微信、支付寶個人靜態收款碼商用

即市頭條 ·  {{timeTz}}

《中國證券報》報道,市場流傳「支付寶、微信支付個人收款碼將於明年3月1日起被禁止商用」的消息,實際上是誤解此前人民銀行發布的條碼支付監管新通知,該通知提出的監管要求並非完全限制個人靜態收款碼商用,而是提出「個人靜態收款條碼原則上禁止用於遠程非面對面收款,確有必要的實行白名單管理。」

今年10月13日,人行發布《關於加強支付受理終端及相關業務管理的通知》,就支付受理終端業務、特約商戶、收單業務監測等方面提出相應的管理要求。

上述針對性要求,是因為個人收款條碼存在一些風險隱患。例如,部分機構使用個人收款條碼轉帳業務辦理大量生產經營、生活消費交易,既混淆交易性質,導致交易信息失真,影響風險監測效果,也不利於借助支付服務為經營活動賦能增值。還有一些不法分子利用「跑分平台」,以高額收益為餌吸引大量人員使用個人靜態收款條碼與賭客「點對點」線上遠程轉移賭資,將賭資分拆隱藏於眾多正常交易場景,擾亂條碼支付業務正常秩序,影響涉賭「資金鏈」追溯機制的實效。

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