1. Non-bank payment institutions shall unilaterally calculate and report the following large-value transactions based on the income and expenditure of funds:
(1) Cash receipts and payments with a single or cumulative transaction amount exceeding RMB 50,000 (including RMB 50,000) and foreign currency equivalent exceeding USD 6,543,800 (including USD 6,543,800).
(2) The transfer of funds with a single or accumulated transaction amount of more than RMB 2 million (including RMB 2 million) and a foreign currency equivalent of more than US$ 200,000 (including US$ 200,000) on the day when the payment account and other accounts of non-natural person customers occur.
(3) Domestic fund transfer with a single or cumulative transaction amount of more than RMB 500,000 (including RMB 500,000) and the equivalent foreign currency of more than US$ 654.38+million (including US$ 654.38+million) on the day when the payment account and other accounts of natural person customers occur.
(4) Cross-border transfer with a single or cumulative transaction amount of RMB 200,000 and an equivalent value of more than US$ 6,543.8+0,000 (including US$ 6,543.8+0,000) on the day of payment account of natural person customers and other bank accounts.
2. For cross-border acquiring business, non-bank payment institutions shall calculate and submit large transaction reports according to the RMB transaction amount paid by customers; If the customer pays with an overseas bank card, the non-bank payment institution shall calculate and submit a large transaction report according to the RMB transaction amount settled by the acquiring institution and it.
Extended data:
Non-bank payment institutions shall not report large-value transactions that meet one of the following conditions without finding transactions or suspicious behaviors:
(1) One party to the transaction is party organs, state power organs, administrative organs, judicial organs, military organs, CPPCC organs, the People's Liberation Army and the Armed Police Force at all levels, but it does not include various enterprises and institutions under them.
(2) Fees charged by non-bank payment institutions for handling related businesses for customers.
(3) The transaction background is the payment of utilities such as water, electricity and gas.
(4) Other circumstances identified by the People's Bank of China.
Phoenix. Com- the central bank issued a notice on the reporting requirements for large transactions of non-bank payment institutions.