Gamingdeputy reported on April 17 that the People's Bank of China, the Ministry of Commerce, and the State Administration of Foreign Exchange jointly issued the “Notice on Further Optimizing Payment Services in the Commercial Sector to Improve Payment Convenience” on the 16th.
The “Notice” focuses on better meeting the diverse payment service needs of the elderly, foreigners in China and other groups in the commercial field.focusing on improving multi-level and diversified services from identifying key places and key merchant lists in the commercial field, building an inclusive and diverse payment acceptance environment, optimizing the cash usage environment, enriching mobile payment applications, strengthening the demonstration and leadership of international consumption center cities, and strengthening publicity and promotion. payment service system to jointly improve the level of payment services in the commercial field.
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Gamingdeputy attaches details:
1. Focus on key commercial venues and build an inclusive and diverse payment acceptance environment
(1) The competent commerce departments of various regions, together with the branches of the People’s Bank of ChinaDetermine the list of key places and key merchants such as large business districts, pedestrian streets, shopping malls, department stores, chain supermarkets and convenience stores, restaurants, departure tax refund shops, duty-free shops, etc., and promote key places and key merchants to be equipped to accept mobile payments, domestic and overseas Necessary software and hardware facilities such as bank cards and cash ensure that consumers can choose payment methods and tools independently.. Actively promote key merchants in national demonstration pedestrian streets and demonstration smart business districts to support the acceptance of domestic and foreign bank cards, and encourage localities to actively create conditions for comparable processing.Incorporate merchants’ domestic and overseas bank card acceptance into the scope of relevant pilot demonstration service quality evaluations.
(2) The branches of the People's Bank of China will promote banking financial institutions and non-bank payment institutions to strengthen service guarantees, accelerate the transformation and deployment of domestic and overseas bank card acceptance equipment software and hardware according to the list of key places and key merchants, and make overall plans to promote contactless Payment development.Promote banking financial institutions to transform automatic teller machines (ATMs) in key locations and support the use of domestic and overseas bank cards to withdraw cash.. Branches of the People's Bank of China and local commerce authorities jointly carry out supervision and guidance on merchant acceptance coverage to promote the continuous optimization of the bank card acceptance environment.
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2. Focus on people’s livelihood consumption areas and optimize the cash usage environment
(1) The local commerce authorities, together with the branches of the People’s Bank of China, will guide business entities in the retail, catering, accommodation and other industries toIn particular, business entities in the livelihood fields such as convenience stores, farmers' markets, vegetable markets, breakfast shops, beauty salons, and pharmacies should prepare cash to meet consumers' cash usage needs and improve their cash collection and payment capabilities in daily consumption areas.. In conjunction with the construction of a quarter-hour convenient living area in the city, relevant business entities should be guided to publicly promise to collect cash, and signs supporting cash collection and payment should be posted in a standardized manner.
(2) Branches of the People's Bank of China guide banking financial institutions to help relevant business entities prepare cash, and open green channels for small-denomination cash and coin exchange services for the elderly, foreigners coming to China and other groups. We will continue to carry out special rectification work on refusing to accept RMB cash.
3. Strengthen innovation and integration and enrich mobile payment applications
Promote banking financial institutions, non-bank payment institutions and clearing institutions to improve mobile payment services, optimize identity information verification mechanisms,For groups such as the elderly and foreigners coming to China, open a service hotline and produce promotional products such as graphics, texts, and videos to improve the friendliness and convenience of registering and using mobile payments.. Encourage e-commerce platforms to fully consider the consumption needs of foreigners in China, strengthen cooperation with banking financial institutions, non-bank payment institutions and clearing institutions, optimize international services, enrich product functions such as multi-language services and multiple payment options, and improve online shopping payment experience.
4. Strengthen demonstration and leadership to optimize the payment environment in international consumption center cities
Support cities in international consumption centers to take optimizing the payment environment for foreigners in China as an important task and better play a leading role. Incorporate payment convenience into the evaluation indicators for the cultivation and construction of international consumption center cities, establish a supervision mechanism, and accelerate the creation of a payment environment with multiple options, multiple scenarios, and multiple currencies convertible.Take the lead in creating a number of key business districts to facilitate payment for foreigners coming to Chinaand strive to basically achieve full coverage of overseas bank card acceptance at key merchants.Actively promote the establishment of payment service counters at ports of entry and key foreign-related places, distribute multi-language and multi-type promotional materials, provide currency exchange, guide downloads of mobile payment applications (Apps) and other services. Optimize and improve the payment service guarantee level for foreign exhibitors and visitors at key exhibitions such as the China International Import Expo, Canton Fair, and Trade in Services Fair. Encourage other cities to carry out relevant work based on benchmarks to improve the payment service experience of foreigners coming to China.
5. Strengthen publicity and promotion to increase awareness of payment services
Branches of the People's Bank of China, branches of the State Administration of Foreign Exchange, and local commerce authorities should guide financial institutions and merchants to post signs for domestic and overseas bank card swiping, ATM bank card cash withdrawals, cash acceptance, foreign currency exchange, etc., and strengthen business personnel training . Banking financial institutions are encouraged to set up payment service consultation points in large business districts and other places. Use various online and offline channels to regularly promote payment services, carry out publicity to safeguard the legal status of the RMB and promote anti-counterfeit currency laws.NoContinuously increase the awareness of payment services among the elderly, foreigners in China and other groups.
Branches of the People's Bank of China, local commerce authorities, and branches of the State Administration of Foreign Exchange must attach great importance to it, raise their positions, strengthen division of labor and collaboration, formulate work plans, clarify timetables and roadmaps, refine implementation measures within their respective jurisdictions, and start from financial institutions We will work with merchants to promote the promotion and application of various payment methods in the commercial field, provide more high-quality, efficient and convenient payment services, and effectively meet the payment service needs of the elderly, foreigners in China and other groups.