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RESOLUTION OF BOARD OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

of August 31, 2016 No. 217

About approval of Rules of functioning of interbank system of payment cards

(as amended on 22-11-2021)

According to the subitem 19) "About National Bank of the Republic of Kazakhstan" and the subitem 7) of Item 1 of article 4 of the Law of the Republic of Kazakhstan "About payments and payment systems" the Board of National Bank of the Republic of Kazakhstan DECIDES: parts two of article 15 of the Law of the Republic of Kazakhstan

1. Approve the enclosed Rules of functioning of interbank system of payment cards.

2. Recognize invalid some resolutions of Board of National Bank of the Republic of Kazakhstan, and also structural elements of some resolutions of Board of National Bank of the Republic of Kazakhstan according to the list according to appendix to this resolution.

3. To department of payment systems (Ashykbekov E. T.) in the procedure established by the legislation of the Republic of Kazakhstan to provide:

1) together with Legal department (Sarsenov N. V.) state registration of this resolution in the Ministry of Justice of the Republic of Kazakhstan;

2) the direction of this resolution in the republican state company on the right of economic maintaining "The republican center of legal information of the Ministry of Justice of the Republic of Kazakhstan":

on official publication in information system of law of Ad_let within ten calendar days after its state registration in the Ministry of Justice of the Republic of Kazakhstan;

for inclusion in the State register of regulatory legal acts of the Republic of Kazakhstan, Reference control bank of regulatory legal acts of the Republic of Kazakhstan within ten calendar days from the date of its state registration in the Ministry of Justice of the Republic of Kazakhstan;

3) placement of this resolution on official Internet resource of National Bank of the Republic of Kazakhstan after its official publication.

4. To management on consumer protection of financial services and external communications (Terentyev A. L.) provide the direction of this resolution on official publication in periodic printing editions within ten calendar days after its state registration in the Ministry of Justice of the Republic of Kazakhstan.

5. To impose control of execution of this resolution on the vice-chairman of National Bank of the Republic of Kazakhstan Pirmatov G. O.

6. This resolution becomes effective after ten calendar days after day of its first official publication.

Chairman of National Bank

D. Akishev

Approved by the Resolution of Board of National Bank of the Republic of Kazakhstan of August 31, 2016 No. 217

Rules of functioning of interbank system of payment cards

Chapter 1. General provisions

1. These rules of functioning of interbank system of payment cards (further - Rules) parts two of article 15 of the Law of the Republic of Kazakhstan "About National Bank of the Republic of Kazakhstan", the subitem 7) of Item 1 of article 4 of the Law of the Republic of Kazakhstan "About payments and payment systems" are developed according to the subitem 19) (further - the Law on payments and payment systems) and determine procedure for functioning of interbank system of payment cards (further - system).

2. In Rules the concepts provided by the Law on payments and payment systems, Rules of release of payment cards, and also the requirements to activities for servicing of transactions with their use in the territory of the Republic of Kazakhstan approved by the resolution of Board of National Bank of the Republic of Kazakhstan of August 31, 2016 No. 205, registered in the Register of state registration of regulatory legal acts at No. 14299, and also the following concepts are used:

1) authorization - permission of the issuer of payment card to implementation of transactions with use of payment card. The procedure of receipt of authorization is established according to the agreement signed between the operational center of system and (or) the operator of the international system of payment cards and the participant of system;

2) the authorization message - the request (answer) containing information necessary for carrying out authorization, and transmitted between participants of system through the operational center of system;

3) the interbank commission - the sum of money paid by one participant of system to other participant of system when implementing transaction by the payment cards issued by the participant of system to networks of servicing of other participant of system;

4) interbank payments and (or) money transfers (further - interbank payments) - payments and (or) money transfers made by one participant of system for benefit of other participant of system on transactions with use of payment cards in network of servicing of this participant of system;

5) the participant of system - bank of the second level, branch of nonresident bank of the Republic of Kazakhstan and (or) the organization performing separate types of banking activities, (further - bank), performing (performing) in system functions of the issuer of payment card and (or) ekvayer based on the signed contract with the operational center of system;

6) bank identification number by the issued payment cards of the participant of system (further - bank identification number) - the unique number assigned to the issuer by the corresponding system of payment cards for identification of the payment card issued by it in this system;

7) operational center of system - The republican state company on the right of economic maintaining "The Kazakhstan center of interbank calculations of National Bank of the Republic of Kazakhstan";

8) operational rules of the operational center of system (further - operational rules) - the internal document of the operational center of system determining procedure for its activities and condition of implementation of the functions assigned to it;

9) the financial message - the payment document containing information necessary for carrying out interbank payment on transaction with use of payment card, and representing monetary commitments (requirements) of one participant of system in relation to other participant of system;

10) day loan "overdraft" - short-term loan for one operational day granted by National Bank of the Republic of Kazakhstan to participants of system in case of absence or insufficiency of money for their line items in interbank money transfer system for implementation of money transfer by results of clearing of interbank payments (further - clearing);

11) routing of messages on transactions with use of payment cards (further - routing of messages) - process of determination of route and transmission of messages on interbank payments between participants of system;

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