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It is registered

Ministry of Justice

Russian Federation

On November 10, 2020 No. 60810

PROVISION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of September 24, 2020 No. 732-P

About payment system of the Bank of Russia

This Provision based on part 9 of article 20 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" (The Russian Federation Code, 2011, No. 27, Art. 3872; 2019, No. 31, the Art. 4423), article 82.3 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; 2011, No. 27, the Art. 3873) and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of September 18, 2020 No. PSD-21) establish criteria of participation, suspension and termination of participation in payment system of the Bank of Russia, order of interaction between the Bank of Russia and members of payment service provider of the Bank of Russia, procedure of money transfer in payment system of the Bank of Russia and the applied forms of clearing settlements, procedure of payment clearing and calculation, regulations of functioning of payment system of the Bank of Russia, order of interaction of payment system of the Bank of Russia with other payment systems.

Chapter 1. General provisions

1.1. The Bank of Russia, being operator of services of payment infrastructure in payment system of the Bank of Russia and the operator on money transfer of payment system of the Bank of Russia, transfers money in payment system of the Bank of Russia (further - money transfer) on accounts of members of payment service provider of the Bank of Russia (further - members of payment service provider), and also the clients of the Bank of Russia who are not members of payment service provider, providing them operational services, services of payment clearing and settlement services.

1.2. The Bank of Russia transfers money of members of payment service provider with use of service of the urgent translation, service of not urgent translation and service of bystry payments.

Service of the urgent translation provides performing procedures of acceptance to execution of orders about money transfer (further - orders), including check of sufficiency of money, without delay in process of receipt of orders in the Bank of Russia and procedures of execution of orders without delay after successful completion of procedures of acceptance to execution of orders.

Service of not urgent translation provides performing procedures of acceptance to execution of orders, including check of sufficiency of money, and also procedures of execution of orders not earlier than approach of the periods of time determined by regulations of functioning of payment system of the Bank of Russia according to Chapter 6 of this provision.

Service of bystry payments provides accomplishment round the clock in real time of procedures of acceptance to execution of orders on the amount less than six hundred thousand rubles without delay in process of receipt of orders in the operational center, payment clearing center (further in case of joint mentioning - OPKTs) other payment system (further - external payment system) and procedures of execution of orders by the Bank of Russia without delay after successful completion of procedures of acceptance to execution of orders.

1.3. When implementing money transfer with use of service of the urgent translation and service of not urgent translation operational services, services of payment clearing and settlement services are provided by the Bank of Russia.

When implementing money transfer with use of service of bystry payments operational services, services of payment clearing (except for checks of sufficiency of money) are provided to OPKTs of external payment system based on the contract on interaction signed between the Bank of Russia and the operator of external payment system according to part 37 of article 15 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" (The Russian Federation Code, 2011, No. 27, Art. 3872; 2020, No. 30, the Art. 4738) (further - the agreement on interaction). Services of payment clearing regarding check of sufficiency of money and settlement services are provided by the Bank of Russia.

Provision of operational services, services of payment clearing and settlement services in case of money transfer with use of service of bystry payments is performed according to appendix 1 to this Provision.

1.4. Credit institutions (their branches) shall use the service mark of service of bystry payments registered by the Bank of Russia by provision to the clients of services in money transfer with use of service of bystry payments, including by placement of service mark of service of bystry payments in the software used by clients of credit institutions (their branches) for implementation of transactions with use of service of bystry payments.

Chapter 2. Criteria of participation, suspension and termination of participation in payment system of the Bank of Russia

2.1. Direct and indirect participation is provided in payment system of the Bank of Russia.

2.2. (Further - working interest owner) the organization corresponding to at the same time following criteria can be working interest owner of payment system:

the organization is credit institution (its branch), the Federal Treasury or its territorial authority, other organization which can be working interest owner according to part 7 of article 21 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system";

the organization has the bank (correspondent) account (correspondent sub-account) (further - the bank (correspondent) account (sub-account) in the Bank of Russia according to the agreement of the bank (correspondent) account (sub-account) (further - the agreement of the account).

Working interest owner is the Bank of Russia on behalf of divisions of the Bank of Russia, information on which contains in the Reference book of bank identification codes in payment system of the Bank of Russia (further respectively - the Reference book of BIC, divisions of the Bank of Russia).

2.3. (Further - the indirect participant) the organization corresponding to at the same time following criteria can be the indirect member of payment service provider:

the organization can be the member of payment service provider according to parts 1 - 3 articles 21 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system";

the organization is client of credit institution (its branch) - working interest owner;

the organization is not client of the Bank of Russia.

The credit institution (its branch) - working interest owner for inclusion in the agreement of the account of conditions on provision of the organization as the indirect participant of access to services in money transfer informs the Bank of Russia on compliance of the organization to the criteria of participation of the indirect participant in payment system of the Bank of Russia specified in paragraphs second and third this Item.

The credit institution (its branch) - working interest owner informs the Bank of Russia on cases of the termination of compliance to criteria of participation of the indirect participant in payment system of the Bank of Russia and withdraws from the contract of the account concluded between the Bank of Russia and working interest owner in the part relating to the indirect participant in the following terms:

in case of the termination of compliance to the criterion provided by the paragraph the second this Item - within 10 working days from the date of receipt by working interest owner of the corresponding data;

in case of the termination of compliance to the criterion provided by the paragraph third this Item - no later than date of termination of the contract of the bank account concluded between direct and indirect participants.

2.4. Criteria of suspension of participation in payment system of the Bank of Russia are not established.

2.5. Criterion of the termination of participation of working interest owner - the client of the Bank of Russia in payment system of the Bank of Russia is cancellation of the agreement of the account.

Services in money transfer as to the client of the Bank of Russia who is not the member of payment service provider are rendered to credit institution (its branches) from the date of response (cancellation) at credit institution of the license for banking operations.

2.6. Criterion of the termination of participation of the indirect participant in payment system of the Bank of Russia is the termination of participation in payment system of the Bank of Russia of working interest owner which client is this indirect participant, or cancellation of terms of the contract of the account concluded between the Bank of Russia and working interest owner in the part relating to the indirect participant.

2.7. Order of interaction with the Bank of Russia, procedure of money transfer in payment system of the Bank of Russia and the applied forms of clearing settlements, procedure of payment clearing and calculation, regulations of functioning of payment system of the Bank of Russia, procedure for access to services in money transfer, procedure for the pre-judicial dispute resolution, order of interaction within payment system of the Bank of Russia in disputable and emergency situations provided by Chapters 3 - the 6th this provision, appendices 2 - 4 to this Provision for working interest owners, are applied also to the organizations - the clients of the Bank of Russia who are not members of payment service provider taking into account requirements of this provision.

Chapter 3. Order of interaction between the Bank of Russia and members of payment service provider of the Bank of Russia

3.1. Interaction between the Bank of Russia and members of payment service provider, not being divisions of the Bank of Russia, for the purpose of implementation of money transfer is provided by means of provision by the Bank of Russia to members of payment service provider which is not divisions of the Bank of Russia, access to services in money transfer according to bank (correspondent) accounts (sub-accounts) open for working interest owners including with participation of OPKTs of external payment system.

3.2. Access to services in money transfer for working interest owners - clients of the Bank of Russia is provided with the Bank of Russia with use of the orders provided by part 2 of article 8 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" and directed in the form of the electronic messages provided by part 24 of article 3 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" (further - orders in electronic form), orders on paper.

Access to services in money transfer for credit institutions can be provided with the Bank of Russia through their branches according to the agreement of the account if the correspondent sub-account in the Bank of Russia is open for branch of credit institution.

Access to services in money transfer for divisions of the Bank of Russia is provided with the Bank of Russia with use of orders in electronic form, on paper.

Terms of the contract of the account concluded between the Bank of Russia and credit institution (its branch) - working interest owner, determine one of the following methods of access for the indirect participant to services in money transfer: direct access with use of orders in electronic form (further - direct access) or access through working interest owner.

3.3. Working and indirect interest owners have access to services in money transfer with use of service of the urgent translation and service of not urgent translation.

The working interest owners which are credit institutions (their branches), the Federal Treasury or its territorial authorities to which access to services in money transfer with use of orders in electronic form is provided except for of clients of field organizations of the Bank of Russia have possibility of access to services in money transfer with use of service of bystry payments (further - the member of SBP).

For provision of access to services in money transfer with use of service of bystry payments the working interest owners specified in the paragraph the second this Item sign with OPKTs of external payment system the agreement on rendering operational services, services of payment clearing provided by part of 1 Article 17, part 1 of article 18 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system".

The clients of the Bank of Russia who are not members of payment service provider have access to services in money transfer with use of service of the urgent transfer in the presence of the corresponding conditions in the agreement of the account.

Divisions of the Bank of Russia, except for field organizations of the Bank of Russia, transfer money with use of service of the urgent translation (further - the urgent translation) and money transfer with use of service of not urgent translation (further - not urgent translation).

Field organizations of the Bank of Russia make not urgent transfer. Implementation of urgent transfer of the Bank of Russia by field organizations perhaps in case of application of payment orders according to which payer or payer bank is the field organization of the Bank of Russia.

3.4. Systemically significant credit institutions, being members of external payment service provider which OPKTs provides operational services, services of payment clearing in case of money transfer with use of service of bystry payments shall use service of bystry payments for possibility of implementation by the clients of the following transactions:

payments of physical persons for benefit of physical persons at the initiative of the payer;

since October 1, 2021 - payments of physical persons for benefit of legal entities and individual entrepreneurs for payment of goods, works and services with use of the details of the translation given by the receiver of means to the payer electronically and presented including in the code form (except for payments for premises and utilities), payments of physical persons for benefit of physical persons at the initiative of the receiver of means, payments of legal entities and individual entrepreneurs for benefit of physical persons (except for salary payments, and also payments of legal entities, personal accounts for which are opened in territorial authorities of the Federal Treasury).

3.5. The credit institutions which are not systemically significant credit institutions, having the universal license for banking operations and being members of external payment service provider which OPKTs provides operational services services of payment clearing in case of money transfer with use of service of bystry payments, except for credit institutions which do not provide to the clients remote bank services for implementation of money transfers according to bank accounts or provide electronic instruments of payment (further - ESP) only for implementation of the translations of electronic money, and also the credit institutions which made the decision on liquidation or the termination of activities as a result of reorganization including in connection with merge to other credit institution (accession to other credit institution), shall use service of bystry payments for possibility of implementation by the clients of the following transactions:

from the date of entry into force of this provision - payments of physical persons for benefit of physical persons at the initiative of the payer;

since October 1, 2021 - payments of physical persons for benefit of physical persons at the initiative of the receiver of means;

since April 1, 2022 - payments of physical persons for benefit of legal entities and individual entrepreneurs for payment of goods, works and services with use of the details of the translation given by the receiver of means to the payer electronically and presented including in the code form (except for payments for premises and utilities), payments of legal entities and individual entrepreneurs for benefit of physical persons (except for salary payments, and also payments of legal entities, personal accounts for which are opened in territorial authorities of the Federal Treasury).

The credit institutions determined by paragraph one of this Item shall use service of bystry payments for possibility of implementation of payments by the clients - physical persons in the following terms depending on what of them comes later:

in time, established by the paragraph the second, the paragraph third, the paragraph the fourth this Item;

after 9 months from the date of inclusion of credit institution in the list of members of external payment service provider which OPKTs provides operational services, services of payment clearing in case of money transfer with use of service of bystry payments;

after 9 months from the date of receipt by credit institution of the universal license granting the right to attraction in deposits of money of physical persons, implementation of money transfers without opening of bank accounts, including electronic money (except for postal orders).

The credit institutions determined by paragraph one of this Item shall use service of bystry payments for possibility of implementation of payments by the clients - legal entities and individual entrepreneurs in the terms established by paragraphs the sixth and seventh this Item depending on what of them comes later.

3.6. The credit institutions determined by paragraph one of Item 3.5 of this provision shall provide possibility of use of service of bystry payments by the clients using at least one ESP on the basis of the software established on the technical device of the client (the mobile phone, the smartphone or the tablet computer) and allowing the client to constitute, certify and transfer orders for implementation of money transfers (further - mobile application), and systemically the significant credit institutions determined by paragraph one of Item 3.4 of this provision shall provide possibility of use of service of bystry payments by the clients using all mobile applications:

since April 1, 2021 - physical persons;

since April 1, 2022 - legal entities and individual entrepreneurs.

Systemically significant credit institution determined by paragraph one of Item 3.4 of this provision, using several mobile applications can not provide to the clients mobile application for use of service of bystry payments if before the term determined by the paragraph the second this Item for the mobile applications used by clients - physical persons, or the term determined by the paragraph third this Item for the mobile applications used by clients - by legal entities and individual entrepreneurs, credit institution make the decision on the termination of use of mobile application within one year after approach of the specified terms.

3.7. Information on members of payment service provider necessary for implementation of money transfer according to this Provision, joins in normative reference information of payment system of the Bank of Russia.

For identification of members of payment service provider and the clients of the Bank of Russia who are not members of payment service provider when implementing money transfer bank identification codes are used (further - BIC), information on which contains in the Reference book of bank identification codes in payment system of the Bank of Russia (further - the Reference book of BIC).

Normative reference information of payment system of the Bank of Russia is provided to members of payment service provider for ensuring access to services in money transfer according to this Provision, and also is posted on the official site of the Bank of Russia on the Internet (further - the official site of the Bank of Russia) in the part which is subject to publication. In case of performing procedures of acceptance to execution and execution of the orders provided by this Provision is applied details of the Reference book of BIC and parameters of normative reference information of payment system of the Bank of Russia.

3.8. For implementation of money transfer the credit institution located in the territory of the Russian Federation uses the correspondent account opened in the Bank of Russia, except as specified, of stipulated in Item 4.3 this provision, and also transition of credit institution to servicing to other division of the Bank of Russia.

For implementation of money transfer by the branch of credit institution located in the territory of the Russian Federation the credit institution has the right to have in the Bank of Russia one correspondent sub-account open for this branch of credit institution, except as specified, stipulated in Item 4.3 this provision, and also transition of branch to servicing to other division of the Bank of Russia.

The credit institution or its branch located in the territory of the Russian Federation, having the right to use for implementation of money transfer correspondent sub-account of other branch of this credit institution in case of transfer to it or to its branch of the name, bank identification code (further - BIC) and correspondent sub-account of this other branch (further - details of branch), information on which contains in the Reference book of BIC, after its transfer to the status of internal structural division.

3.9. To credit institutions (their branches), in the Bank of Russia bank (correspondent) accounts (sub-accounts) are opened for other legal entities who are in the territory of the Russian Federation by the divisions of the Bank of Russia located in the location of credit institutions (their branches), other legal entities (further - the divisions of the Bank of Russia serving accounts of participants), information on which joins in agreements of the account and normative reference information of payment system of the Bank of Russia.

To foreign Central (national) Banks, foreign banks (foreign credit institutions), the clearing organizations operating according to the Federal Law of February 7, 2011 No. 7-FZ "About clearing, clearing activities and the central partner" (The Russian Federation Code, 2011, No. 7, Art. 904; 2020, No. 31, of the Art. 5012), bank (correspondent) accounts are opened by divisions of the Bank of Russia according to the decision of the Bank of Russia.

3.10. The Bank of Russia when rendering operational services according to parts 1, 3 and 4 Articles 17, part 2 of article 20 of the Federal Law of June 27, 2011 "About national payment system" provides to No. 161-FZ access to services in money transfer with use of orders in electronic form and exchange of electronic messages with working interest owner - the client of the Bank of Russia who signed with the Bank of Russia the agreement on exchange of electronic messages in case of money transfer within payment system of the Bank of Russia (further - the agreement on exchange).

The working interest owners having access to services in money transfer with use of orders in electronic form are participants of exchange of electronic messages in case of money transfer within payment system of the Bank of Russia (further - participants of exchange).

The working interest owners which are credit institutions (their branches), the Federal Treasury or its territorial authorities use orders in electronic form (except for clients of field organizations of the Bank of Russia who use orders in electronic form in process of readiness).

For provision to the indirect participant of direct access to services in money transfer the agreement on exchange is signed with use of orders in electronic form between the Bank of Russia and working interest owner - credit institution (its branch).

The indirect participants having direct access to services in money transfer with use of orders in electronic form are participants of exchange.

The indirect participants having access to services in money transfer through working interest owner participants of exchange are not. Orders of the indirect participant having access to services in money transfer through working interest owner to the Bank of Russia are sent by working interest owner.

Conditions of access to services in money transfer with use of orders in electronic form between the Bank of Russia and the client of the Bank of Russia, including foreign Central (national) Bank, foreign bank (foreign credit institution), can be commingled with terms of the contract of accounts. In this case the separate agreement on exchange is not signed.

The Bank of Russia provides to participants of exchange access to services in money transfer and exchange of electronic messages with use of ESP according to appendix 2 to this Provision.

Access to services in money transfer with use of service of bystry payments for members of SBP and exchange of electronic messages is provided through OPKTs of external payment system according to appendix 1 to this Provision and based on the agreement of the account.

Exchange of electronic messages between participants of SBP and OPKTs of external payment system for the purpose of implementation of money transfer with use of service of bystry payments is performed based on the agreement on rendering operational services, services of the payment clearing provided by part of 1 Article 17, part 1 of article 18 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system".

When providing with the Bank of Russia to participants of exchange of access to services in money transfer and exchange of electronic messages with use of ESP the direction of orders in electronic form, and also notices, notifications, statements, requests and answers is performed in the form of the electronic messages provided by part 24 of article 3 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" (further - in electronic form).

3.11. Access to services in money transfer for working interest owners - the clients of the Bank of Russia who do not have possibility of exchange of messages on communication channels and on alienable machine data carriers in cases, stipulated in Item 4.5 this provision is provided with divisions of the Bank of Russia with use of orders, requests, statements, notifications, notices on paper.

Access to services in money transfer for divisions of the Bank of Russia, including the field organizations of the Bank of Russia which do not have possibility of exchange of messages on communication channels is provided using orders, requests, statements, notifications, notices on paper.

3.12. The procedure for the pre-judicial dispute resolution with members of payment service provider, OPKTs of external payment system on the questions connected with provision of operational services, services of payment clearing, settlement services within payment system of the Bank of Russia is given in appendix 3 to this Provision.

3.13. The order of interaction within payment system of the Bank of Russia in disputable and emergency situations, including informing by the Bank of Russia, OPKTs of external payment system, members of payment service provider about the events which caused operational failures about their reasons and consequences, is given in appendix 4 to this Provision.

3.14. For the direction of the addresses, statements, information messages, claims on paper provided by this Provision and intended for implementation of actions concerning several or all accounts of the member of payment service provider (concerning the member of payment service provider in general), the division of the Bank of Russia serving the member of payment service provider of the Bank of Russia is determined (further - the division of the Bank of Russia serving the participant), information on which joins in the agreement of the account and normative reference information of payment system of the Bank of Russia.

For the direction of addresses, statements, information messages, the claims provided by this Provision, receipts of information messages, replies of the Bank of Russia credit institutions (their branches), except for clients of field organizations of the Bank of Russia use private office according to the procedure, No. 5361-U established by the Instruction of the Bank of Russia of December 19, 2019 "About order of interaction of the Bank of Russia with credit institutions, not credit financial credit institutions and other participants of information exchange when using of information resources of the Bank of Russia, including private office by them", the registered Ministry of Justice of the Russian Federation on March 4, 2020 No. 57659 (further - private office).

3.15. The structure of BIC, procedure for its assignment to the members of payment service provider and clients of the Bank of Russia who are not members of payment service provider, details of the Reference book of BIC are determined by appendix 5 to this Provision.

Chapter 4. Procedure of money transfer in payment system of the Bank of Russia and the applied forms of clearing settlements

4.1. Money in payment system of the Bank of Russia is transferred in currency of the Russian Federation.

4.2. Money is transferred:

for the working interest owner which is credit institution (its branch) - at the expense of the money which is on correspondent account of credit institution (sub-account of its branch) taking into account limit of intra overnight credit and the credit overnight if the limit is set on correspondent account of credit institution (sub-account of its branch), except for cash amount concerning which restrictions on the order with money on the account in accordance with the legislation of the Russian Federation are set (further - arrest and other restrictions);

for the working interest owner which is credit institution (its branch) which cash amounts on accounts are united in liquidity pool - at the expense of the money which is on correspondent account of credit institution and correspondent sub-accounts of its branches, including on temporarily kept correspondent account (sub-account) taking into account limit of intra overnight credit and the credit overnight if the limit is set on correspondent account (sub-account) of the main participant of the pool of liquidity determined according to appendix 6 to this Provision, except for the amounts of arrests or other restrictions on the accounts included in liquidity pool;

for the working interest owner which is the Federal Treasury or its territorial authority - at the expense of the money which is on bank accounts of the Federal Treasury or its territorial authority respectively, and in case of consolidation of the money which is on bank accounts of the Federal Treasury, its territorial authorities in liquidity pool - at the expense of the money which is on such bank accounts of the Federal Treasury and its territorial authorities;

for other working interest owner which is not division of the Bank of Russia - at the expense of the money which is on its bank account opened in the Bank of Russia, except for the amounts of arrests or other restrictions on the account;

for the indirect participant having direct access to services in money transfer with use of orders in electronic form - at the expense of the money which is on the correspondent account (sub-account) of working interest owner opened in the Bank of Russia which client is this indirect participant, or on correspondent account (sub-accounts) of such working interest owner opened in the Bank of Russia if money on accounts of working interest owner is united in liquidity pool, except for the amounts of arrests or other restrictions on correspondent account (sub-accounts) of working interest owner.

Requirements of the paragraph of the fourth this Item extend to implementation of money transfer from the bank account which is part of the single treasurer account opened for territorial authority of the Federal Treasury (further - the single treasurer account).

For the indirect participant having access to services in money transfer through working interest owner, money is transferred by working interest owner according to paragraphs to second and third this Item.

Conditions of forming of pool of liquidity, money transfer with use of pool of liquidity, disbandment of pool of liquidity are determined by appendix 6 to this Provision.

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