Circular No. 06/2025/TT-NHNN amends and supplements provisions on payment agency activities, allowing other organizations to enter into payment agency contracts nationwide and ensuring that the number of payment agency points at the commune level accounts for at least 70% compared to the entrusting party. This Circular takes effect from July 1, 2025.
适用范围
Credit institutions, foreign bank branches, and related organizations.
要点
- The entrusting party is permitted to enter into payment agency contracts with other organizations nationwide.
- The number of payment agency points of other organizations must ensure that it accounts for at least 70% of the number of payment agency points of the entrusting party at the commune level (excluding wards).
🌐 本文件的社会影响
- Positive impact: Strengthening competition in payment agency activities, creating favorable conditions for people and businesses to use payment services.
- Negative impact: It may cause difficulties for credit institutions that fail to meet the requirements for the number of payment agency points at the commune level.
❓ 常见问题
Which organization is the entrusting party entitled to enter into payment agency contracts with?
The entrusting party is permitted to enter into payment agency contracts with other organizations nationwide.
What must the number of payment agency points of other organizations ensure?
The number of payment agency points of other organizations must ensure that it accounts for at least 70% of the number of payment agency points of the entrusting party at the commune level (excluding wards).
When does this Circular take effect?
This Circular takes effect from July 1, 2025.
What conditions must other organizations meet to enter into payment agency contracts?
Other organizations must ensure that the number of payment agency points at the commune level accounts for at least 70% compared to the entrusting party.
To which organizations does this Circular apply?
This Circular applies to credit institutions, foreign bank branches, and related organizations.
全文
CIRCULAR
Amending and supplementing Clause 7, Article 7 of Circular No. 07/2024/TT-NHNN
dated June 21, 2024, issued by the Governor of the State Bank of Vietnam
provisions on payment agency activities
Pursuant to the Law on the State Bank of Vietnam dated June 16, 2010;
Pursuant to the Law on Credit Institutions dated January 18, 2024;
Pursuant to Decree No. 52/2024/NĐ-CP dated May 15, 2024, of the Government on cashless payments;
Pursuant to Decree No. 26/2025/NĐ-CP dated February 24, 2025, of the Government stipulating the functions, tasks, powers, and organizational structure of the State Bank of Vietnam;
Pursuant to Decree No. 26/2025/NĐ-CP of the Government stipulating the functions, tasks, powers, and organizational structure of the State Bank of Vietnam;
The Governor of the State Bank of Vietnam issues this Circular amending and supplementing Clause 7, Article 7 of Circular No. 07/2024/TT-NHNN dated June 21, 2024, issued by the Governor of the State Bank of Vietnam regarding payment agency activities.
Article 1. Amending and supplementing Clause 7, Article 7 of Circular No. 07/2024/TT-NHNN dated June 21, 2024, issued by the Governor of the State Bank of Vietnam regarding payment agency activities as follows:
"7. The party entrusting the agency shall be permitted to enter into a payment agency contract with another organization throughout the country. The number of payment agency points of other organizations must ensure that the number of payment agency points within the commune-level administrative unit (excluding wards) in provinces and centrally-administered cities accounts for more than 70% of the total number of payment agency points of the party entrusting the agency."
Article 2. Implementation
The Director of the Office, Heads of the Payment Department, Heads of relevant units under the State Bank of Vietnam, credit institutions, foreign bank branches, and other related organizations are responsible for implementing this Circular.
Article 3. Implementation Provisions
This Circular takes effect from July 1, 2025./.
DEPUTY DIRECTOR
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