微信支付宝收款码新规，3月1日起实施 New WeChat Alipay Payment Code Regulations, Implemented on March 1

2021年10月13日，央行官网发布《中国人民银行关于加强支付受理终端及相关业务管理的通知（银发〔2021〕259号）》 。《通知》 要求，对于具有明显经营活动特征的个人，条码支付收款服务机构应当为其提供特约商户收款条码，并参照执行特约商户有关管理规定，不得通过个人收款条码为其提供经营活动相关收款服务，并将于2022年3月1日起施行。

2021年10月13日，央行官网发布《中国人民银行关于加强支付受理终端及相关业务管理的通知》(银发〔2021〕259号)。《通知》要求，对于经营活动特征明显的个人，条码支付收款服务机构应向其提供特约商户支付收款条码，并参照and shall not provide business activities for them through personal payment barcodes. Relevant collection services will be implemented on March 1, 2022.特约商户相关管理规定执行

话题"微信、支付宝个人收款码将不能用于经营收款"一度登上微博热搜榜第一，此消息在网络上刷屏。

"微信和支付宝个人收款码不会用于业务收款"话题一度登上微博热搜榜首，这一消息在网上被刷爆。

为何央行会发布新规？原因是近年来，个人收款条码得到广泛运用，有效满足了社会公众的个性化、多样化支付需求，提高了小微经济、地摊经济的资金收付效率。但与此同时，个人收款条码也存在一些风险隐患。

为什么央行发布新规定？究其原因，是近年来个人支付条码的广泛应用，有效满足了公众个性化、多样化的支付需求，提高了小微经济和市场经济下的资金收付效率。但与此同时，个人支付条码也存在一些隐患。

财联社是辟谣，还是强调？ Does the Cailian Press refute the rumors or emphasize it?

11月26日，财联社发电：说'支付宝、微信支付个人收款码将于明年3

月1日起被禁止商用"的消息刷屏。但据财联社记者了解，央行新规并非对收款码的商用完全禁止。通知明确强调了收款码分为个人和经营用收款码，经营用收款码不在通知限制之列。

On November 26, the Finance Association issued a power generation: "Alipay and WeChat Pay personal collection codes will be banned from commercial use on March 1 next year". However, according to a reporter from the Financial Associated Press, the central bank’s new regulations do not completely prohibit the commercial use of collection codes. The notice clearly emphasizes that the collection code is divided into personal and business collection codes, and the business collection code is not included in the notification restriction.

其中，将受到约束的主要是个人静态收款条码。按照规定，个人静态收款码原则上禁止用于远程非面对面收款， 各机构应审慎确定个人收款静态码白名单；并将有明显经营特征的个人收款条码用户参照特约商户管理。

Among them, the main thing that will be restricted is the personal static collection barcode. According to regulations, the use of personal static collection codes for remote non-face-to-face collections is prohibited in principle. Institutions should carefully determine the whitelist of personal collection static codes; and refer to special merchants for personal collection barcode users with obvious business characteristics.

个人可以将收款码申请变更为经营性用途，但变更的标准相关部门还在研究中。

Individuals can apply to change the collection code for business purposes, but the relevant departments for the change are still under study.

财联社的这篇报道，瞬间引来了金融界KOL的评论和转发，“微信、支付宝个人收款码将不能用于经营收款”的话题再次在11月的最后一个周末发酵。

This report by the Financial Associated Press immediately attracted comments and reposts from financial KOLs. The topic "WeChat and Alipay personal collection codes will not be used for business collection" was once again fermented on the last weekend of November.

业界人士认为，随着金税四期的上线，政府相关部门已经完全具备了大数据监管银行流水和纳税记录的能力，但普遍的个人二维码收款，偷漏税情况仍未得到群众的广泛重视，所以借财联社再次向外界重申央行的指导精神。

Industry insiders believe that with the launch of the fourth phase of the Golden Tax, relevant government departments are fully equipped with big data to supervise bank flow and tax records. However, the general personal QR code collection and tax evasion have not been widely recognized by the masses. Pay attention to it, so I reiterated the guiding spirit of the central bank to the outside world through the financial association.

新规的3项主要改动 Three major changes in the new regulations

《通知》将会对消费者和小微商户有哪些影响？

What impact will the "Notice" have on consumers and small and micro businesses?

《通知》要求，“对于具有明显经营活动特征的个人收款码用户，收单机构要参照特约商户管理。个人经营者和小微商户配合收单机构完成商户入网程序之后，收单机构应当按照商户服务标准提供支付服务，按规定建立商户与收单结算账户等要素信息关联对应关系。”央行相关负责人表示，这有助于从源头防范外包机构挪用资金、大商户“二清”等风险，有助于更好地保障个人经营者和小微商户的资金安全和服务体验。

The “Notice” requires that “for individual collection code users with obvious characteristics of business activities, the acquirer shall refer to the management of special merchants. After individual operators and small and micro merchants cooperate with the acquirer to complete the merchant’s network access procedures, the acquirer shall follow The merchant service standard provides payment services, and establishes the correspondence relationship between merchants and acquiring settlement accounts and other element information in accordance with regulations.” The relevant person in charge of the central bank said that this helps prevent the risks of embezzlement of funds by outsourcing institutions and “second clearing” of large merchants from the source. , Which helps to better protect the financial security and service experience of individual operators and small and micro merchants.

我们经过梳理，新规主要有如下改动：

After sorting out, the new regulations mainly include the following changes：

• 限制个人收款码远程收款（Restrict remote collection of personal collection codes）
• 个人收款码不得用于经营收款（Personal collection code cannot be used for business collection）；
• 收款条码要制定分类管理制度，区分个人和特约商户，有经营活动的划入特约商户范围（Receiving barcodes should develop a classification management system to distinguish between individuals and special merchants, and those with business activities are included in the scope of special merchants）。

限制个人码远程收款 Restrict remote collection of personal codes

为何要限制个人远程收款？

Why restrict personal remote collection?

主要是针对近几年频发的"跑分"、"赌博"、"电信诈骗"等违法行为。未来个人收款码将限制远程收款功能，可能变成动态收款码，不再具备打印功能。

It is mainly aimed at illegal activities such as "scoring", "gambling", and "telecommunications fraud" that have frequently occurred in recent years. In the future, the personal collection code will restrict the remote collection function, and may become a dynamic collection code, which no longer has the printing function.

若部分特殊类商户确实有远程非面对面需求，可申请特约商户收款码，由收单机构进行谨慎审核，添加白名单，并且会严格把控交易限额、规模、二维码使用次数等。

If some special merchants do have remote non-face-to-face needs, they can apply for a special merchant collection code, which will be carefully reviewed by the acquirer, a whitelist will be added, and transaction limits, scale, and QR code usage will be strictly controlled.

个人码不得用于经营收款，利好聚合支付 Personal code cannot be used for business collection, which is good for aggregate payment

个人与商户从来都是两个群体，微信/支付宝个人收款码一直存在不受监管的问题。

Individuals and merchants have always been two groups. WeChat/Alipay personal payment codes have always been unsupervised.

其一，特约商户码一般都有费率，而个人码没有费率，这对线下收单阵营的巨头们并不公平。

First, the special merchant code generally has a fee rate, while the personal code does not have a fee rate, which is unfair to the giants in the offline acquiring camp.

其二，微信支付宝设置提现费率，因此导致大量资金一直在两大支付巨头内部流转。

Second, WeChat Alipay has set a withdrawal fee rate, which has caused a large amount of funds to be circulated within the two major payment giants.

其三，个人码并不计入商户经营资金，因此税务方面可能存在"偷税漏税"的嫌疑。

Third, the personal code is not included in the business capital of the merchant, so there may be suspicion of "tax evasion" in taxation.

另外，这可能是对聚合支付服务商的利好消息，未来个人码都将替换为特约商户码.

In addition, this may be good news for aggregate payment service providers. In the future, personal codes will be replaced with special merchant codes.

金税四期+收款码新规，“以数治税”时代来临 Golden Tax Phase IV + New Regulations on Receipt Code, the Era of "Taxation by Data" is coming

2021年7月底，国家税务总局发布了《金税四期决策指挥端之指挥台及配套功能项目成交结果公告》，预计金税四期将于8月下旬重磅上线。金税四期形成以系统测评分析、预警评估、风险推送的稽查新模式，以“互联网+大数据+云计算”智能筛查已经铺开。

At the end of July 2021, the State Administration of Taxation issued the "Announcement on the Transaction Results of the Command Platform and Supporting Functional Projects of the Fourth Phase of the Golden Tax Decision". It is expected that the fourth phase of the Golden Tax will be launched in late August. The fourth phase of the Golden Tax has formed a new audit model with systematic evaluation and analysis, early warning evaluation, and risk push, and intelligent screening with "Internet + big data + cloud computing" has been rolled out.

业界分析，金税四期已经变为一个“超级智能监管系统”，其强大是基于“海量数据”和“智能算法”。因为有海量数据，所以能关联和分析企业的一切经营动作；因为有智能算法，所以能快速筛选出一切不合理的经营行为。

According to industry analysis, Golden Tax Phase IV has become a "super-intelligent supervision system", and its power is based on "massive data" and "intelligent algorithms." Because of the massive amount of data, it can correlate and analyze all the business operations of the enterprise; because of the intelligent algorithm, it can quickly screen out all unreasonable business behaviors.

继8月公布金税四期上线，10月央行紧急发布个人收款码不得用于商用的新规，不断出台的新政策表明，政府未来对资金的监管只会更加严格化、数据化、智能化，从“以票管税”逐步过渡到“以数治税”。

Following the announcement of the launch of the fourth phase of the Golden Tax in August, the central bank urgently issued new regulations that personal collection codes should not be used for commercial use in October. The new policies that have been continuously introduced indicate that the government's future supervision of funds will only be more stringent, data-based, and intelligent. It gradually transitioned from “administering taxes by invoices” to “administering taxes by numbers”.

今天我们讨论了近期热议的“微信、支付宝个人收款码将不能用于经营收款”话题，分析了央行发布的《关于加强支付受理终端及相关业务管理的通知》具体有哪些改变，同时指出了“金税四期”等不断出台的监管手段。

Today we discussed the recently discussed topic "WeChat and Alipay personal collection codes will not be used for business collection", and analyzed the specific changes in the "Notice on Strengthening the Management of Payment Acceptance Terminals and Related Business" issued by the Central Bank. Pointed out the "Golden Tax Phase IV" and other constantly introduced regulatory measures.

有政策、有工具、有数据，政府已经从“以票管税”逐步过渡到“以数治税”，形成以系统测评分析、预警评估、风险推送的稽查新模式，通过“互联网+大数据+云计算”的严管偷逃税的时代已经到来。

With policies, tools, and data, the government has gradually transitioned from “tax management by invoices” to “tax management by data”, forming a new audit model based on system evaluation and analysis, early warning evaluation, and risk push. The era of strict control over tax evasion of "cloud computing" has arrived.