NGN HNG NH CNG HO X HI CH NGHA VIT NAM

NC c lp - T do - Hnh phc
VIT NAM
H Ni, ngy thng nm 2016
S: /2016/TT-NHNN
D THO 3
THNG T
Quy nh v t chc khng phi t chc tn dng,
1. `chi nhnh ngn hng nc ngoi cung ng dch v
thanh ton khng qua ti khon thanh ton ca khch hng

Cn c Lut Ngn hng Nh nc Vit Nam s 46/2010/QH12 ngy 16

thng 6 nm 2010;
Cn c Lut Cc t chc tn dng s 47/2010/QH12 ngy 16 thng 6 nm
2010;
Cn c Ngh nh s 101/2012/N-CP ngy 22 thng 11 nm 2012 ca
Chnh ph v thanh ton khng dng tin mt;
Cn c Ngh nh s 80/2016/N-CP ngy 01 thng 7 nm 2016 ca Chnh
ph v sa i, b sung mt s iu ca Ngh nh s 101/2012/N-CP ngy 22
thng 11 NON-CASH PAYMENTSnm 2012 ca Chnh ph v thanh ton khng dng
tin mt;
Cn c Ngh nh s 156/2013/N-CP ngy 11 thng 11 nm 2013 ca
Chnh ph quy nh chc nng, nhim v, quyn hn v c cu t chc ca Ngn
hng Nh nc Vit Nam;
Theo ngh ca V trng V Thanh ton;
Thng c Ngn hng Nh nc Vit Nam ban hnh Thng t quy nh v
t chc khng phi t chc tn dng, chi nhnh ngn hng nc ngoi cung ng
dch v thanh ton khng qua ti khon thanh ton ca khch hng.
Chng I
QUY NH CHUNG
iu 1. Phm vi iu chnh
1. Thng t ny quy nh v vic t chc khng phi t chc tn dng, chi
nhnh ngn hng nc ngoi cung ng dch v thanh ton bng ng Vit Nam
khng qua ti khon thanh ton ca khch hng (sau y gi l dch v thanh ton)
thc hin trn lnh th Vit Nam.

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 2. Vic cung ng dch v nhn v chi, tr ngoi t ca t chc khng phi t
chc tn dng, chi nhnh ngn hng nc ngoi c thc hin theo quy nh ca
php lut v qun l ngoi hi.
iu 2. i tng p dng
1. T chc l php nhn khng phi t chc tn dng, chi nhnh ngn hng
nc ngoi thc hin vic cung ng mt hoc mt s dch v thanh ton khng
qua ti khon thanh ton ca khch hng (sau y gi l t chc khc).
2. T chc, c nhn s dng dch v thanh ton khng qua ti khon thanh
ton (sau y gi l khch hng s dng dch v).
iu 3. Gii thch t ng
Trong Thng t ny, cc t ng di y c hiu nh sau:
1. Dch v thanh ton khng qua ti khon thanh ton ca khch hng, bao gm:
dch v chuyn tin, dch v thu h, chi h.
2. Dch v chuyn tin l vic t chc khc thc hin theo yu cu ca bn
tr tin hoc bn gi tin nhm chuyn mt s tin nht nh cho bn th hng.
3. Dch v thu h l vic t chc khc thc hin y nhim ca bn nh thu
thu tin ca bn tr tin trn c s tha thun bng vn bn gia t chc khc v
bn nh thu.
4. Dch v chi h l vic t chc khc thc hin theo yu cu ca bn tr tin
thay mt bn tr tin chi tr cho bn th hng trn c s tha thun bng vn
bn gia t chc khc v bn tr tin.

iu 4. Chng t thanh ton

1. Chng t s dng trong thanh ton phi c lp, k, kim sot, lun
chuyn, qun l, s dng v bo qun theo ng quy nh v ch chng t k
ton hin hnh.
2. Chng t s dng trong thanh ton qua t chc khc c t chc quy
nh quy cch, mu biu, in n, pht hnh v hng dn thc hin m bo ph
hp vi quy trnh thanh ton i vi tng loi hnh dch v v cc quy nh ca
php lut lin quan.
3. i vi chng t in t cc thng tin d liu trong chng t phi c
kim sot y m bo tnh hp php, hp l v tnh ton vn ca thng tin.
ng thi, chng t phi c kim sot, qun l bo mt ngn nga trnh
vic li dng khai thc, xm nhp, sao chp thng tin bt hp php.

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 Chng II
HOT NG CUNG NG DCH V THANH TON
CA T CHC KHC
iu 5. Dch v chuyn tin
1. Khi thc hin cung ng dch v chuyn tin, t chc khc phi xy dng, ban
hnh quy trnh ni b v dch v chuyn tin m bo x l nhanh chng, cht ch,
chnh xc, an ton, bo mt ng php lut, trong ti thiu phi c cc ni dung:
a) Thc hin cc quy nh ti iu 10 Thng t ny ph hp vi cc quy nh
php lut v phng, chng ra tin, chng ti tr khng b;
b) Quy nh r cc khu x l ca quy trnh nh lp, i chiu kim sot, lu
tr chng t chuyn tin, thi gian x l lnh chuyn tin, hch ton tun theo ch
k ton hin hnh, theo di s sch k ton y ;
c) Cn c vo c s vt cht, h tng k thut, b my vn hnh xc nh c th
hn mc chuyn tin, nhn tin ti cc im cung cp dch v ca mnh nhng ti a
200 triu ng/khch hng/ngy v chu trch nhim m bo an ton ng php lut
trong qu trnh thc hin;
d) Xy dng c ch m bo kh nng thanh ton ph hp vi quy nh ti iu
8 Thng t ny v cc quy nh php lut khc c lin quan;
) Quy nh trch nhim c th cho tng t chc, c nhn thc hin quy trnh,
ti thiu c cc ni dung: ngha v cam kt ca cc bn v vic bo mt thng tin
khch hng, giao dch thanh ton, cc quy nh v an ton, bo mt, trch nhim phi
hp tra sot, x l cc khiu ni v chu trch nhim n b cc tn tht cho khch
hng do t chc khc lm l thng tin, sai st trong qu trnh tc nghip hoc thc
hin khng ng theo tha thun gia cc bn.
2. Thi gian x l lnh chuyn tin n
a) Nu lnh chuyn tin n hp php, hp l, chm nht trong 01 ngy lm
vic k t thi im nhn c lnh chuyn tin, t chc khc cung ng dch v
chuyn tin phc v bn th hng hch ton vo ti khon thch hp v c trch
nhim thng bo cho khch hng n nhn tin theo tha thun;
b) Trng hp t chc khc cung ng dch v chuyn tin thng bo cho
bn th hng, nu bn th hng khng n nhn tin hoc khng lin h c vi
bn th hng thng bo nhn tin, trong vng ti a 30 ngy k t ngy nhn
lnh chuyn tin n, t chc khc lm th tc tr li tin cho bn chuyn tin.
3. X l sai st, tra sot, khiu ni

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 a) Nu lnh chuyn tin n c sai st, chm nht trong 01 ngy lm vic k t
thi im nhn c lnh chuyn tin n, t chc khc phc v bn th hng
thng bo v phi hp vi bn lin quan thc hin tra sot. Sau khi c kt qu tra
sot, trng hp sai st do li ca khch hng, t chc khc thng bo ngay cho bn
chuyn tin kp thi x l lnh hoc hon tr li tin cho khch hng nu khch
hng c yu cu;
b) T chc khc quy nh c th thi hn khch hng s dng dch v c
quyn ngh tra sot, khiu ni i vi t chc khc khng c t hn 60 ngy
k t ngy pht sinh giao dch yu cu tra sot;
c) T chc khc c trch nhim x l ngh tra sot, khiu ni ca khch
hng s dng dch v:
- p dng ti thiu hai hnh thc tip nhn thng tin tra sot, khiu ni bao
gm qua tng i in thoi (c ghi m) v qua cc a im giao dch ca t chc
khc; m bo xc thc nhng thng tin c bn m khch hng cung cp cho
t chc khc;
- Xy dng mu giy ngh tra sot, khiu ni khch hng s dng khi
ngh tra sot, khiu ni. Trng hp tip nhn thng tin qua tng i in thoi,
t chc khc yu cu khch hng b sung giy ngh tra sot, khiu ni theo
mu trong thi hn quy nh ca t chc khc lm cn c chnh thc x l.
Trng hp y quyn cho ngi khc ngh tra sot, khiu ni, khch hng thc
hin theo quy nh ca php lut v y quyn;
- T chc khc c trch nhim tr li hoc x l kp thi cc thc mc, khiu
ni ca khch hng s dng trong thi hn khng qu 30 ngy lm vic k t ngy
tip nhn c yu cu khiu ni ca khch hng s dng dch v;
d) X l kt qu tra sot, khiu ni:
- Trong thi hn ti a 05 ngy lm vic k t ngy thng bo kt qu tra
sot, khiu ni cho khch hng, t chc khc cung ng dch v thanh ton phi
chu trch nhim bi thng thit hi khng do li ca khch hng v/hoc khng
thuc cc trng hp bt kh khng theo theo tha thun vi khch hng s dng
dch v v ph hp vi quy nh ca php lut;
- Trong trng hp ht thi hn gii quyt tra sot, khiu ni c quy nh
ti im c khon ny m vn cha xc nh c nguyn nhn hay li thuc bn
no th trong vng 15 ngy lm vic tip theo, t chc khc tha thun vi khch
hng v phng n x l, nu khng tha thun c phng n x l th vic
gii quyt tranh chp c thc hin theo quy nh ca php lut;

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 4. Cc quy nh khc cn b sung trong quy trnh ni b ca t chc khc
nh c ch qun l ri ro, quyn li chnh ng ca khch hng v cc quy nh
khc c lin quan.

iu 6. Dch v thu h v dch v chi h

1. thc hin dch v thu h, bn nh thu phi cung cp cho t chc khc
cc vn bn, ti liu cn thit lin quan n s tin phi thu lm iu kin t
chc khc thc hin vic thu h tin. T chc khc thc hin thu h theo ng ni
dung vn bn tha thun vi bn nh thu v ph hp quy nh php lut c lin
quan.
2. thc hin dch v chi h, bn tr tin phi cung cp cho t chc khc
cc vn bn, ti liu cn thit lin quan n s tin phi tr lm iu kin t
chc khc thc hin vic chi h. T chc khc thc hin chi h theo ng yu cu
ca bn tr tin theo vn bn tha thun vi bn tr tin v ph hp quy nh php
lut c lin quan.
3. T chc khc xy dng, ban hnh quy trnh ni b thc hin dch v
thu h v dch v chi h cho khch hng ph hp vi quy nh ca php lut c
lin quan trong m bo quy nh r cc bc, khu x l ca quy trnh, kim
tra, kim sot ni b, quy nh trch nhim c th cho tng t chc, c nhn thc
hin quy trnh, m bo x l nhanh chng, chnh xc, an ton, ng php lut.
4. Hp ng/vn bn tha thun v dch v thu h, chi h
Cn c vo tng loi hnh dch v thu h, chi h, t chc khc tha thun vi
khch hng s dng dch v v hnh thc l hp ng hoc vn bn tha thun i
vi dch v thu h, chi h; m bo phi c ti thiu cc ni dung:
a) S hp ng/vn bn;
b) Thi im (ngy, thng, nm) lp hp ng;
c) Tn, a ch ca cc bn tham gia;
d) Quy nh v tha thun thi hn x l cc giao dch thanh ton; quyt ton
cc giao dch;
) a im giao dch thuc mng li giao dch ca t chc khc hoc thng
qua a im giao dch ca ngn hng y thc cho t chc khc cung ng dch v;
e) Vic thc hin cc bin php m bo an ton, bo mt;
g) Cc ni dung v quyn v ngha v ca cc bn;

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 h) Trch nhim phi hp x l tra sot, khiu ni, tranh chp trong qu trnh
thc hin, trong quy nh c th trch nhim trong vic tip nhn thng tin t
khch hng, thi gian x l, trch nhim v phng n n b cc tn tht pht sinh;
i) Quy nh v ph;
k) Quy nh cc trng hp vi phm tha thun gia cc bn lm c s t
chi thc hin giao dch hoc chm dt hp ng/vn bn tha thun v thanh ton.
iu 7. a im giao dch khi cung ng dch v thanh ton
1. Ti cc a im cung ng dch v, t chc khc c trch nhim trang b
y h thng cng ngh thng tin, h tng k thut nhm thc hin dch v thanh
ton m bo an ton, bo mt v thng sut.
2. i vi dch v thanh ton, t chc khc c mng li a im giao dch v
h thng cng ngh phc v truyn dn, x l d liu chuyn tin m bo an ton
v thng sut.
3. Biu ph cung cp dch v phi c nim yt cng khai ti cc a im
giao dch khch hng nm r trc khi s dng dch v.
iu 8. m bo kh nng thanh ton
T chc khc phi xy dng v trin khai cc bin php m bo kh nng
thanh ton v duy tr s d hoc tha thun vi ngn hng v thu chi ti khon
thanh ton cui ngy ln hn s tin phi tr cho khch hng thc hin cc
giao dch thanh ton m bo an ton v thng sut.
iu 9. Qun l ri ro, m bo an ton, bo mt
1. T chc khc phi xy dng cc c ch qun l ri ro, trch lp d phng,
c bin php nh gi, kim sot, phng nga ri ro v tun th theo cc quy nh
php lut v hot ng giao dch in t.
2. T chi hoc chm dt cung cp dch v thanh ton cho khch hng s
dng dch v khi khch hng khng p ng y cc yu cu khi thc hin
dch v thanh ton hoc vi phm tha thun gia cc bn.
3. C quy trnh v th tc gii quyt yu cu tra sot, khiu ni, tranh chp.
Xy dng c ch n b, bi thng thit hi i vi cc trng hp pht sinh ri
ro, s c trong qu trnh cung ng dch v.
4. T chc khc phi xy dng, ban hnh vn bn quy nh vic giao nhn, bo
qun, trang b kt st ti cc a im giao dch ca h thng mnh, thu gom, vn
chuyn tin mt m bo cui ngy np vo ti khon thanh ton m ti ngn hng,
c phng n phng chy cha chy theo quy nh ca php lut.

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 T chc khc chu trch nhim m bo an ninh, an ton i vi vic lun
chuyn tin mt cng nh xc nh hn mc tn qu tin mt cui ngy cho mi
im giao dch ph hp vi kh nng qun l ca mnh v tnh thanh khon cho
khch hng s dng dch v.
iu 10. Trch nhim thc hin cc quy nh v phng, chng ra tin
Trong quy trnh ni b trin khai thc hin cc dch v, t chc khc phi
quy nh c th cc ni dung m bo tun th cc quy nh ca php lut v
phng, chng ra tin, chng ti tr khng b v cc quy nh khc ca php lut
Vit Nam c lin quan, m bo ti thiu c cc ni dung sau:
1. T chc khc phi thc hin nhng bin php nhn bit khch hng, thu
thp, xc minh, cp nht, lu tr thng tin khch hng, kim sot, pht hin, x
l v kp thi bo co giao dch c gi tr ln, giao dch ng ng cho c quan nh
nc c thm quyn theo quy nh ca php lut v phng chng, ra tin v ti
tr khng b v cc quy nh php lut khc c lin quan.
2. Khng c s dng cc dch v thanh ton cho cc mc ch ra tin, ti
tr khng b, la o, gian ln hoc cc hnh vi vi phm php lut khc.
3. T chi hoc chm dt cung cp dch v thanh ton cho khch hng s
dng dch v khi c yu cu bng vn bn ca c quan nh nc c thm quyn
hoc c bng chng v vic giao dch thanh ton nhm ra tin, ti tr khng b
theo quy nh ca php lut v phng chng ra tin; la o, gian ln hoc cc
hnh vi vi phm php lut khc.
iu 11. Bo v quyn li ca khch hng
1. Thng bo, hng dn v cnh bo khch hng nhn bit v phng
trnh ri ro khi s dng dch v thanh ton khng qua ti khon thanh ton ca
khch hng m mnh cung cp.
2. Thng bo v hng dn khch hng cung cp chnh xc, trung thc cc
thng tin v chng t thanh ton m mnh cung cp, chu trch nhim trc php
lut v cc thng tin m mnh cung cp.
Cnh bo khch hng t bo v cc b mt thng tin giao dch ca c nhn
m bo an ton, bo mt trong giao dch thanh ton; thng bo kp thi cho
t chc khc khi pht hin thy c sai st, nhm ln trong giao dch thanh ton
hoc nghi ng thng tin giao dch b li dng.
3. c khiu ni v yu cu t chc khc bi thng thit hi khi: t chc
khc thc hin giao dch thanh ton chm so vi tha thun, khng thc hin giao
dch thanh ton hoc chuyn nhm a ch ngi nhn, sai thng tin ngi nhn,

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sai ni dung giao dch hoc sai s tin m khch hng np chuyn i, thu
ph dch v thanh ton khng qua ti khon thanh ton ca khch hng khng
ng loi ph hoc mc ph m t chc cung ng dch v cng b v cc vi
phm khc trong tha thun vi khch hng.
Thc hin giao dch thanh ton kp thi, an ton, chnh xc theo tha thun
vi khch hng s dng dch v; xy dng biu ph v nim yt cng khai ph s
dng dch v thanh ton khng qua ti khon thanh ton ca khch hng.

Chng III
CH BO CO, CUNG CP THNG TIN, X L VI PHM
iu 12. Ch bo co
1. nh k hng qu (trc ngy 05 ca thng tip theo k bo co), hng
nm (trc ngy 15 thng 01 ca nm tip theo), t chc khc c trch nhim bo
co Ngn hng Nh nc (qua V Thanh ton) v tnh hnh trin khai thc hin
dch v theo Ph lc nh km Thng t ny.
2. T chc khc c trch nhim bo co kp thi cho Ngn hng Nh nc
cc thng tin lin quan trong cc trng hp sau:
a) Theo yu cu c th ca Ngn hng Nh nc phc v cho mc tiu
qun l nh nc;
b) Khi c pht sinh din bin bt thng hoc s c gy gin on trong hot
ng cung ng c th lm nh hng n hot ng ca t chc khc cung ng
dch v thanh ton hoc cc t chc, c nhn c lin quan khc.
iu 13. Cung cp thng tin
1. Khi cung ng dch v thanh ton khng qua ti khon thanh ton ca khch
hng, t chc khc phi c trch nhim cung cp y cc thng tin, ti liu v
thc hin y cc quy nh ti Thng t ny v cc quy nh khc c lin quan
lm c s cho Ngn hng Nh nc qun l, gim st. T chc khc cung ng
dch v thanh ton chu trch nhim trc php lut v tnh chnh xc, trung thc
ca cc thng tin mnh cung cp.
2. Trong qu trnh cung ng dch v thanh ton khng qua ti khon thanh
ton ca khch hng, t chc khc phi cung cp h thng thng tin k ton qun
tr m bo theo di ring c ngun vn, ti sn v xc nh c kt qu ca
hot ng cung ng dch v thanh ton khng qua ti khon thanh ton ca khch
hng lm c s cho Ngn hng Nh nc qun l v gim st.

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 3. T chc khc ch cung cp cc thng tin lin quan n giao dch thanh
ton, thng tin c nhn ca khch hng v cc thng tin lin quan khc theo yu
cu ca khch hng s dng dch v, ca c quan nh nc c thm quyn hoc
theo quy nh ca php lut.
iu 14. X l vi phm
T chc, c nhn vi phm cc quy nh ti Thng t ny ty theo tnh cht
v mc vi phm s b x l vi phm hnh chnh, trng hp nghim trng th
b truy cu trch nhim hnh s; nu gy thit hi th phi bi thng theo quy
nh ca php lut.
Chng IV
IU KHON THI HNH
iu 15. Hiu lc thi hnh
Thng t ny c hiu lc thi hnh k t ngy.
iu 16. T chc thc hin
1. V Thanh ton c trch nhim theo di, kim tra, gim st v phi hp vi
cc n v lin quan x l nhng vng mc pht sinh trong qu trnh thc
hin Thng t ny.
2. C quan Thanh tra, gim st ngn hng, Ngn hng Nh nc chi nhnh
tnh, thnh ph trc thuc Trung ng ni khng c Cc Thanh tra, gim st ngn
hng c trch nhim theo di, kim tra, thanh tra, gim st v hot ng cung ng
dch v thanh ton khng qua ti khon thanh ton ca khch hng qua t chc
khc theo quy nh ca php lut, bo co Thng c Ngn hng Nh nc v cc
trng hp vi phm v kp thi x l cc trng hp vi phm theo thm quyn.
3. Cc Cng ngh tin hc ngn hng phi hp vi V Thanh ton c trch
nhim kim tra vic tun th cc quy nh v an ton, bo mt v qun l ri ro
trong giao dch in t ca t chc khc khi cung ng dch v.
4. Cc t chc khc ang thc hin cung ng mt hoc mt s dch v thanh
ton khng qua ti khon thanh ton ca khch hng theo quy nh ti Thng t
ny c trch nhim thc hin v hon thin y cc ni dung c quy nh
ti Thng t ny v gi v Ngn hng Nh nc (V Thanh ton) trong vng 06
thng k t ngy Thng t ny c hiu lc thi hnh.
i vi cc trng hp khc trc khi bt u cung ng dch v theo quy
nh ca php lut, cn c vo quy nh ti Thng t ny t chc khc phi xy
dng quy trnh ni b ca tng dch v thanh ton khng qua ti khon thanh ton

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ca khch hng ti n v mnh cng nh cung cp y cc thng tin, ti liu
theo quy nh ti Thng t ny v gi v Ngn hng Nh nc (V Thanh ton).
5. Chnh Vn phng, V trng V Thanh ton, Chnh thanh tra, gim st
ngn hng v Th trng cc n v thuc Ngn hng Nh nc, Gim c Ngn
hng Nh nc chi nhnh cc tnh, thnh ph trc thuc Trung ng, Ch tch
Hi ng qun tr, Ch tch Hi ng thnh vin v Tng gim c (Gim c)
cc t chc khc cung ng dch v thanh ton chu trch nhim thi hnh Thng t
ny./.
Ni nhn: THNG C
- Nh khon 5 iu 16;
- Ban lnh o NHNN;
- Vn phng Chnh ph;
- B T php ( kim tra);
- Cng bo;
- Lu: VP, V PC, V TT (5b).

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 Ph lc
(Ban hnh km theo Thng t s /2016/TT-NHNN ngy thngnm 2016 ca Thng
c Ngn hng Nh nc Vit Nam)

T CHC KHC CUNG NG DCH V

THANH TON ..,ngythngnm

BO CO
V HOT NG CUNG NG DCH V THANH TON
K (Qu/Nm)

Knh gi: Ngn hng Nh nc Vit Nam (V Thanh ton)

I. Dch v thanh ton khng qua ti khon thanh ton ca khch hng
m t chc cung cp
(Bo co chi tit tng loi hnh dch v c cung cp)
1. Loi hnh dch v cung cp, thi im bt u thc hin
2. S lng khch hng s dng dch v (tnh n cui k bo co), a
im giao dch.
3. Giao dch thanh ton c thc hin qua tng dch v thanh ton (pht
sinh trong k bo co):
Tng s lng giao dch, bnh qun ngy/thng
Tng gi tr giao dch, bnh qun ngy/thng
Tng gi tr ph dch v thu c t tng dch v thanh ton.
4. Ngoi ra, i vi dch v thu h, chi h cung cp thm danh sch cc t
chc cung ng hng ha, dch v k kt hp ng tha thun thu h, chi h vi
t chc cung ng dch v thanh ton, nu c th loi hnh dch v thu h, chi h.
5. Danh sch ngn hng, t chc trung gian thanh ton (nu c) tham gia
vo trin khai dch v thanh ton khng qua ti khon thanh ton ca khch hng.
6. Lit k chi tit cc loi ph quy nh lin quan n dch v thanh ton
cung ng. Khi c s thay i trong biu ph cn bo co v gi v Ngn hng Nh
nc theo di v qun l.
II. nh gi kt qu thc hin, nhng thun li, kh khn trong qu
trnh thc hin dch v.
III. Nhng kin ngh xut vi Ngn hng Nh nc (nu c).

Ngi lp Kim sot NGI I DIN HP PHP

(K, ghi r h tn, ng du)

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