In order to regulate and guide the healthy development of electronic payment, safeguard the legitimate rights and interests of the parties, guard against payment risks, and ensure the safety of banks and customers' funds, these guidelines are formulated. Electronic payment refers to the behavior that units and individuals (hereinafter referred to as customers) send payment instructions directly or authorize others through electronic terminals to realize monetary payment and fund transfer; Banks shall abide by the relevant laws and administrative regulations of the state when conducting electronic payment business, and shall not harm the interests of customers and the public; If a bank cooperates with other institutions to carry out electronic payment business, the qualification requirements of its cooperative institutions shall comply with the provisions of relevant laws and regulations, and the bank shall sign a written agreement and establish a corresponding supervision mechanism in accordance with the principle of fair trade; When handling electronic payment business, customers should open a bank settlement account in the bank, and the opening and use of the account should comply with the Measures for the Administration of RMB Bank Settlement Accounts and the Provisions on the Administration of Domestic Foreign Exchange Accounts.

legal ground

Electronic Commerce Law of the People's Republic of China Article 1 This Law is formulated for the purpose of protecting the legitimate rights and interests of parties involved in electronic commerce, regulating electronic commerce behavior, maintaining market order and promoting the sustained and healthy development of electronic commerce. Article 2 This Law is applicable to electronic commerce activities in People's Republic of China (PRC). E-commerce as mentioned in this Law refers to the business activities of selling goods or providing services through information networks such as the Internet. Where there are provisions in laws and administrative regulations on the sale of goods or the provision of services, such provisions shall prevail. This Law does not apply to financial products and services that provide news information, audio-visual programs, publications and cultural products through information networks. Article 3 The State encourages the development of new formats of e-commerce, innovates business models, promotes the research and development, popularization and application of e-commerce technology, promotes the construction of e-commerce credit system, creates a market environment conducive to the innovative development of e-commerce, and gives full play to the important role of e-commerce in promoting high-quality development, meeting people's growing needs for a better life and building an open economy.