PROVISION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of June 12, 2014 No. 423-P

About security deposits of operators of the payment systems which are not national significant payment systems

The Bank of Russia according to article 82.5 of the Federal Law of July 10, 2002 No. 86-FZ "About the Central bank the Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, No. 28, Art. 2790; 2003, No. 2, Art. 157; No. 52, Art. 5032; 2004, No. 27, Art. 2711; No. 31, Art. 3233; 2005, No. 25, Art. 2426; No. 30, Art. 3101; 2006, No. 19, Art. 2061; No. 25, Art. 2648; 2007, No. 1, Art. 9, Art. 10; No. 10, Art. 1151; No. 18, Art. 2117; 2008, No. 42, Art. 4696, Art. 4699; No. 44, Art. 4982; No. 52, Art. 6229, Art. 6231; 2009, No. 1, Art. 25; No. 29, Art. 3629; No. 48, Art. 5731; 2010, No. 45, Art. 5756; 2011, No. 7, Art. 907; No. 27, Art. 3873; No. 43, Art. 5973; No. 48, Art. 6728; 2012, No. 50, Art. 6954; \Art. U-2116\53, 7591, Art. 7607; 2013, No. 11, Art. 1076; No. 14, Art. 1649; No. 19, Art. 2329; No. 27, Art. 3438, Art. 3476, Art. 3477; No. 30, Art. 4084; No. 49, Art. 6336; No. 51, Art. 6695, Art. 6699; No. 52, Art. 6975; 2014, No. 19, of the Art. 2311, the Art. 2317) (further - the Federal Law "About the Central Bank Russian Federation (Bank of Russia)") establishes procedure for calculation, introduction of the security deposit by the operator of the payment system which is not national significant payment system (further - the operator of payment system), and return of the security deposit.

Chapter 1. Procedure for calculation and introduction of the security deposit

1.1. The security deposit is introduced by the operator of payment system in the amount of transfer amount of the money performed in the territory of the Russian Federation within the payment system which is not national significant payment system within two calendar days.

The structure of transfer amounts of the money performed in the territory of the Russian Federation within the payment system which is not national significant payment system joins the transfer amounts of money specified at the orders about money transfer in the territory of the Russian Federation which arrived from working interest owners of payment system in payment clearing center (centers) of payment system on which in reporting quarter determination of payment clearing line items was carried out (further - orders).

1.2. The operator of payment system estimates and introduces the security deposit for each payment system which is not national significant payment system which operator he is.

1.3. The operator of payment system estimates and introduces the security deposit in currency of the Russian Federation.

1.4. The amount of the security deposit is created by eight quarterly assignments, each of which constitutes one fourth from average value of transfer amounts of the money performed in one calendar day in the territory of the Russian Federation within the payment system which is not national significant payment system in prior quarter (further - reporting quarter).

The period of reporting quarter for the purpose of this provision is established from the first day of the first month of reporting quarter on the last number of the last month of reporting quarter inclusive.

1.5. Calculation and introduction of the amount of the security deposit stops:

in case of recognition of payment system by the Bank of Russia by national significant payment service provider - from the date of entering into the register of operators of payment systems of the corresponding record;

in case of exception of the operator of payment system of the register of operators of payment systems - from the date of entering into the register of operators of payment systems of the corresponding record.

1.6. Calculation of the amount of quarterly assignment which is subject to entering into the Bank of Russia by the operator of payment system for reporting quarter (further - the Fee), is performed by the operator of payment system based on data on orders of the members of payment service provider provided to payment clearing center (centers) of payment system by working interest owners of payment system (appendix to this Provision) (further - Data).

Recalculation in rubles of the amounts of orders about money transfer in foreign currency is performed on the official rate of the corresponding foreign currency in relation to the ruble established by the Bank of Russia on the last number of the last month of reporting quarter.

1.6.1. Data join the amounts of the orders which arrived from working interest owners of payment system including the amounts of orders of the working interest owners of payment system which suspended (stopped) participation in payment system in reporting quarter.

1.6.2. Data do not join the amounts of the cash deposited by the client on the bank account or the received cash from the bank account if this bank account is opened at one member of payment service provider.

1.6.3. In case of calculation of the amount of the Fee the amounts of the orders provided to payment clearing center of the National Payment Card System included in Data (further - the National Payment Card System) (column 4 of Data) are not considered by working interest owners of the payment system which is not national significant payment system within which rules of issue of the international payment cards are determined and money with use of the international payment cards is transferred in the territory of the Russian Federation (further - payment system of the international payment cards).

1.6.4. In case of calculation of the amount of the Fee data on the amounts of the following orders are excluded from the total amount of the orders specified in column 5 of Data:

orders according to which the payer and the receiver of means are served by one member of payment service provider (column 6 of Data);

the withdrawn, returned (cancelled) orders according to the Provision of the Bank of Russia of June 29, 2021 No. 762-P "About rules of implementation of money transfer" (it is registered by the Ministry of Justice of the Russian Federation on August 25, 2021, registration No. 64765, with the changes made by the Instruction of the Bank of Russia of March 25, 2022 No. 6104-U (it is registered by the Ministry of Justice of the Russian Federation on April 25, 2022, registration No. 68320) (further - the Provision of the Bank of Russia No. 762-P) (column 7 of Data);

orders of members of payment service provider on fee within payment system, including services in money transfer, services of payment infrastructure, the commissions of one participant to other member of payment service provider paid according to rules of payment system (column 8 of Data).

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