Decree No. 101/2012/ND-CP dated November 22, 2012 of the Government non-cash payments
Article 1. Scope of regulation
This Decree deals with the non-cash payments, including: opening and using payment accounts, non-cash payment services, payment intermediary services, organizing, managing, and supervising the payment systems.
Article 2. Subjects of application
1. Providers of non-cash payment services.
2. Providers of payment intermediary services
3. Users of non-cash payment services and payment intermediary services (hereinafter referred to as service users)
Article 3. Payments in foreign currencies and international payments
1. Payments in foreign currencies and international payments must be made in accordance with laws on foreign currencies management and international agreements on payment to which
2. Apply the international practice to the international payments that are not regulated by
Article 4. Interpretation of terms
In this Decree, the terms below are construed as follows:
1. Non-cash payment services (hereinafter referred to as payment services) includes the payment services via payment accounts and some payment services without payment accounts of clients.
2. International payments are payments that are made by parties, at least one among which has payment accounts outside
3. Providers of non-cash payment services (hereinafter referred to as providers of payment services) include: the State bank of Vietnam (hereinafter referred to as the State bank), banks, branches of foreign banks, people’s credit funds, microfinance institutions, and other organizations.
4. Providers of payment intermediary services are organizations that are not banks and are issued with the License to provide payment intermediary services by the State bank....
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