Instant payments will be taken under control

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The draft law, introducing changes to the rules for the operators of fast payment systems, was presented in the Mazhilis

Today, the representatives of the National Bank of Kazakhstan presented at the lower Chamber of Parliament another draft law, which affects the interests of not only the participants of the market of instant payments, but also the interests of Kazakhstani residents. Name the draft law "On payments and payment systems", it was developed by a financial controller, and after its adoption it is proposed to repeal the current law "On payments and money transfers".

It is proposed to establish criteria for determining the significance of payment systems in the new draft law, the requirements for operators of systemically important payment systems, as well as rules on the finality (warranty settlement) of payments in the payment systems. The term of payment service and provider of payment service, the types of payment services, the list of categories of payment service providers and the requirements for their performance, as well as the powers of the National Bank on the regulation and supervision of the activities of entities, operating on the market for payment services are fixed in it.

We add that the draft law has a provision on the organization of state control over the activities of the private non-bank payment institutions, carrying out their activities on the market of Kazakhstan.

Commenting on these proposals, the deputy chairman of the National Bank Alpysbay Akhmetov noted that now "the state does not possess reliable information on the actual number of participants in this market and the volumes carried by these payment systems". In addition, "there is no transparency in the market structure and applicable fees. Therefore, the authors of the draft law proposed to introduce the concept of "payment institution", which can be defined as private non-bank operators of various electronic payment systems, with certain types of payment services, and the mode of their registration in the National Bank.

By analogy with the world practice, the draft law fixes the possibility of certain types of payment services by attracting payment agents and subagents.

Surely, one of the most debated issues at the upcoming meetings of the working groups during discussion of the draft law will be possible restrictions on the use of cash in payments. The operator may also be obliged to return the funds for unauthorized transactions using payment cards.

We are confident that the norm, which restricts the rights of the fiscal authorities to withdraw funds from accounts of individuals to cover tax and other payment obligations, will be hotly discussed. "According to the norms of the Tax Code, different material, official payments received on accounts of physical persons, can be seized for payment of tax liabilities or any fines. Now, after introduction of changes, the tax bodies will be deprived of this right ", - said A. Akhmetov, answering questions of MPs.

He also said that now the National Bank is developing a new operating system that will allow, in particular, to minimize the size of fees for each transaction, which banks charge the owners of payment cards. In addition, the National Bank hopes that this will also improve the quality of service and the implementation of instant payment.

Zhanar Serdalina