ຄັງໃບອະນຸຍາດ · 787
ໃບຢັ້ງຢືນດຳເນີນທຸລະກິດການໃຫ້ບໍລິການຊຳລະ
Certificate of Payment Services Business
支付业务证明
The payment service that requires a certificate is a payment service that provides services within a limited scope and limited impact, which has the following characteristics: 1. Providing e-money services to support their own business, which has an advance amount as determined by the Department of Payment Systems in each period, as payment for goods, services, or other fees to the goods or service providers as follows: 1.1. To pay for any kind of goods or services in the same place or area as the payment service provider or as a business under the same franchise model; 1.2. To pay for goods or services to a store where the payment service provider holds more than fifty percent (50%) of the registered capital of the store. 2. Provision of payment services as defined in Article 5 of this Agreement through the introduction of new innovations.
ຜູ້ທີ່ຕ້ອງການ
The payment service that requires a certificate is a payment service that provides services within a limited scope and limited impact, which has the following characteristics: 1. Providing e-money services to support their own business, which has an advance amount as determined by the Department of Payment Systems in each period, as payment for goods, services, or other fees to the goods or service providers as follows: 1.1. To pay for any kind of goods or services in the same place or area as the payment service provider or as a business under the same franchise model; 1.2. To pay for goods or services to a store where the payment service provider holds more than fifty percent (50%) of the registered capital of the store. 2. Provision of payment services as defined in Article 5 of this Agreement through the introduction of new innovations.
ເງື່ອນໄຂ
- 拟成为《支付服务协议》第十八条所规定支付服务提供者的，须具备下列条件：
- 须为在老挝登记的企业。
- 持老挝国籍的股东持股比例不少于总股份的百分之十。
- 至少有一名负责人为老挝公民且在老挝有住所。
- 须有商业计划。
- 须有支付子系统的连接系统（如有）。
ເອກະສານຄັ້ງທຳອິດ
| ເອກະສານ | ໝາຍເຫດ |
|---|---|
| ໃບຄຳຮ້ອງ | by the PSD (original) |
| ລາຍລະອຽດກ່ຽວກັບບໍລິສັດ (ສຳລັບນິຕິບຸກຄົນ) | - Address Certificate of the Director (Original) - Resume of the Director (Original) - Certificate of Source of Funding (Original) - Copy of enterprise registration certificate - Copy of tax registration certificate up to present - Copy the company's regulations in the required template - Copy of the Director's educational certificate and training certificate - The court clearance of the company and the Director (original, not exceeding three months) - Copy of shareholders' account registrations, shareholders list, resumes of shareholders, and the Top 10 shareholding ratio - The organizational structure of the company and the number of employees The structure of the group of companies (parent company, subsidiary, or joint venture) with the responsibilities and relationships of each partner related to the licensee - Business report and financial statement of 1 year prior to the application of a license, except for the newly established company. |
| ລາຍລະອຽດໂຄງຮ່າງການຈັດຕັ້ງ ແລະ ການຄຸ້ມຄອງບໍລິຫານ | - Organizational structure - the Management by showing the roles of the units involved in the provision of payment services, management, and monitoring of products in detail, showing the units and personnel that perform the duties, including identifying the responsibilities that control the information technology system. |
| ລາຍລະອຽດກ່ຽວກັບການໃຫ້ບໍລິການຊຳລະ (ຕາມປະເພດການໃຫ້ບໍລິການຊຳລະ) | - Name and type of payment service - Terms of use - Model of service - Scope of services - Group of service users - Amount - Location - Fees |
| ເອກະສານດ້ານລະບຽບການ, ຂະບວນການ ແລະ ຂັ້ນຕອນ ໃນການໃຫ້ບໍລິການຊຳລະ (ເປັນລາຍລັກອັກສອນ) | - Operational system diagram (service scope) - Manuals for information technology operators used to provide services - Guidelines for information technology operators used to maintain system security - Guideline for Users, leaflet, or Advertising Brochure for Customers - Regulation for the management of each product (in written form) |
| ເອກະສານກ່ຽວກັບຜູ້ມີສ່ວນຮ່ວມ ຫຼື ກ່ຽວຂ້ອງ ໃນການໃຫ້ບໍລິການຊໍາລະ | - Number and list of payment service participants (Agent, Partner, or Provider - Merchant) - Copy of the contract or agreement between the payment service provider and the payment service partner, stating the rights and responsibilities between the service provider and the payment service partner (Agent, Partner, or Provider - Merchant) - Copy of service agreement from the external service provider (Outsourcing) such as a contract with the system to the partner (External Vendor), joint venture agreement with another company. - Service Registration Application (For Individuals) - Service Registration Application (for a legal entity or recipient (Merchant) |
| ເອກະສານດ້ານລະບົບເຕັກໂນໂລຊີຂໍ້ມູນຂ່າວສານ | - Operational system diagram (information technology system) - Regulations and standards on the security of information technology systems in the provision of services (at least there must be standards for the security of information technology systems of the Bank of the Lao PDR). - Certificate or Report of Penetration Test and Security Test - Certification of the connection of the sub-payment system - Guidelines for integration with other relevant operating systems |
| ແຜນການດຳເນີນທຸລະກິດ ກ່ຽວກັບການໃຫ້ບໍລິການຊຳລະໃນ ໄລຍະ 03 ປີ | - Detailed business plan for 3 years - Investment in the system - Sources of funding periodically - Revenue - Expenditure - Transaction volume - Additional service from the original features - Economic analysis (Feasibility Study) that highlights the analysis of competitors, marketing, internal and external environment, and the assumptions used in the preparation of such plans and evaluation costs. |
| ແຜນການຈັດຕັ້ງປະຕິບັດຮອງຮັບການດຳເນີນທຸລະກິດ | - Details of the action plan to support the business operation by showing the details of the preparation in each period (Timeline), if any. |
| ເອກະສານດ້ານການບໍລິຫານຄວາມສ່ຽງ (ສະເພາະຜະລິດຕະພັນທີ່ໃຫ້ບໍລິການຊຳລະ) | - Liquidity Risk - Strategic Risk - Operational Risk - Information Technology Risk - Legal Risk - Reputation Risk |
| ແຜນການວິເຄາະຜົນກະທົບ (Business Impact Analysis = BIA) ແລະ ການບໍລິຫານຄວາມຕໍ່ເນື່ອງຂອງທຸລະກິດ ໃນການໃຫ້ບໍລິການຊຳລະ (Business Continuity Management = BCM) | - Business Continuity Management (BCM) Policy - Business Continuity Plan (BCP) - Define guidelines for monitoring, evaluation, and testing of business continuity support plans. - Internal control system, which controls the inspection of abnormal items by specifying the responsibilities of the relevant departments in managing, controlling, and inspecting operations. |
| ການໃຊ້ບໍລິການ ຈາກຜູ້ໃຫ້ບໍລິການພາຍນອກ ມາດຳເນີນງານແທນທາງດ້ານລະບົບເຕັກໂນໂລຊີ ໃນການໃຫ້ບໍລິການຊຳລະ (ຖ້າມີ) | - Duration, the scope of service, and responsibilities of the parties involved in the payment of services. - Principles for selecting, monitoring, and assessing the risk of using the service - Service agreement from an external service provider - Plan to support the continuity of business operations on the use of services from external service providers |
| ນະໂຍບາຍ ແລະ ມາດຕະການຕ້ານ ສະກັດກັ້ນ ການຟອກເງິນ ແລະ ການສະໜອງທຶນໃຫ້ເແກ່ການກໍ່ການຮ້າຍ (Anit Money Laundering Policy) | - Anti-money laundering policies and measures and funding for terrorism as determined by the Anti-Money Laundering Information Office periodically. |
| ການປົກປ້ອງຜູ້ຊົມໃຊ້ບໍລິການ ແລະ ການແກ້ໄຂຂໍ້ຂັດແຍ່ງ | - Payment user regulations - Regulations for storing personal information of service users and payment information - Regulation of dispute resolution |
| ໃບແຕ່ງຕັ້ງພະນັກງານຜູ້ຮັບຜິດຊອບປະສານງານ | at least 02 persons |
ກົດໝາຍທີ່ກ່ຽວຂ້ອງ
- ກົດໝາຍວ່າດ້ວຍ ທະນາຄານທຸລະກິດ (ສະບັບປັບປຸງ)
- ຂໍ້ຕົກລົງ ວ່າດ້ວຍການໃຫ້ບໍລິການຊຳລະ
- ຄຳແນະນຳ ກ່ຽວກັບການສະເໜີຂໍອະນຸຍາດປັບປຸງ, ປ່ຽນແປງ ການເປັນຜູ້ຄວບຄຸມລະບົບຍ່ອຍ, ການເປັນຜູ້ໃຫ້ບໍລິການຊຳລະ, ການພັດທະນາ ແລະ ການອອກອະນຸຍາດຜະລິດຕະພັນການໃຫ້ບໍລິການຊຳລະ
- ແຈ້ງການ ການກຳນົດຍອດເງິນຮັບລ່ວງໜ້າໃນການໃຫ້ບໍລິການເງິນເອເລັກໂຕຣນິກ
ການຍື່ນເອກະສານ
- ທີ່ຢູ່ໜ່ວຍງານ
- ກົມຄຸ້ມຄອງລະບົບການຊຳລະ, ທະນາຄານແຫ່ງ ສປປ ລາວ
- ໄລຍະດຳເນີນ
- 30 The Department of Payment Systems shall consider the application for a payment service provider within 30 days from the receipt of an accurate and complete application.
ອາຍຸ ແລະ ການຕໍ່ອາຍຸ
- ມີກຳນົດອາຍຸ
- ມີ
- ຂັ້ນຕອນຕໍ່ອາຍຸ
- ໃບຢັ້ງຢືນ ສາມາດຕໍ່ອາຍຸການນຳໃຊ້ໄດ້ ຊຶ່ງຜູ້ໃຫ້ບໍລິການຊຳລະ ທີ່ມີຈຸດປະສົງສືບຕໍ່ໃຫ້ບໍລິການຊຳລະ ຕ້ອງຍື່ນຄຳຮ້ອງຕໍ່ກົມຄຸ້ມຄອງລະບົບຊຳລະສະສາງ ຢ່າງໜ້ອຍ 45 ວັນ ເພື່ອພິຈາລະນາກ່ອນໝົດອາຍຸນຳໃຊ້.
ຄຳເຫັນເພີ່ມເຕີມ
The payment service that requires a certificate is a payment service that provides services within a limited scope and limited impact.