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電子支付機構管理條例之刑罰規定
電子支付機構管理條例之刑罰規定 / 律師 吳英志 總編輯法學博士范國華主持律師

關於電子支付機構管理條例刑罰條款之規定,見於該法第44條、第45條、第46條、第47條及第53條,臚列如下:

第44條

非電子支付機構經營第三條第一項第二款至第四款業務者,處三年以上十

年以下有期徒刑,得併科新臺幣二千萬元以上五億元以下罰金。

未依第三條第三項或第五十四條規定向主管機關申請許可,或已依規定申

請許可,經主管機關不予許可後,仍經營第三條第一項第一款業務者,處

五年以下有期徒刑,得併科新臺幣一億元以下罰金。

法人犯前二項之罪者,處罰其行為負責人,對該法人並科以前二項所定罰

金。

Those that are not an electronic payment institution but engage in any business under Subparagraphs 2~4, Paragraph 1 of Article 3 herein shall be punishable by imprisonment for not less than three (3) year and not more than ten (10) years, and in addition thereto, a fine of not less than NT$20,000,000 and not more than NT$500,000,000.

Those that fail to apply to the competent authority for approval in accordance with Paragraph 3 of Article 3 or Article 45 herein or have applied for approval according to rules but were rejected by the competent authority and still engage in the business under Subparagraph 1, Paragraph 1 of Article 3 herein shall be punishable by imprisonment for not more than five (5) years, and in addition thereto, a fine of not more than NT$100,000,000.

Should a juristic person commit the offenses prescribed in the preceding two paragraphs, its responsible actor(s) shall be punished, and in addition, the juristic person shall be subject to the fines set out in the preceding two paragraphs.



第45條

專營之電子支付機構違反第二十條第一項或第二十一條第一項規定者,其

行為負責人處七年以下有期徒刑,得併科新臺幣五億元以下罰金。

電子票證發行機構兼營第三條第一項各款業務違反第四十條準用第二十條

第一項或第二十一條第一項規定者,其行為負責人依前項規定處罰。

前二項情形,除處罰行為負責人外,對該專營之電子支付機構或電子票證

發行機構,並科以第一項所定罰金。

When a specialized electronic payment institution violates Paragraph 1 of Article 20 or Paragraph 1 of Article 21 herein, its responsible actor(s) shall be punishable by imprisonment for not more than seven (7) years, and in addition thereto, a fine of not more than NT$500,000,000.

When an electronic stored value card issuer engaging concurrently in any business under the subparagraphs of Paragraph 1, Article 3 herein violates Article 40 herein to which Paragraph 1 of Article 20 or Paragraph 1 of Article 21 herein applies mutatis mutandis, its responsible actor(s) shall be punishable in accordance with the preceding paragraph.

In case of a situation described in either of the preceding two paragraphs, its responsible actor(s) shall be punished, and in addition, the specialized electronic payment institution or the electronic stored value card issuer shall be subject to the fine set out in Paragraph 1 hereof.



第46條

違反第十四條第二項規定,未經主管機關核准,與境外機構合作或協助其

於我國境內從事第三條第一項各款業務之相關行為;或未依第五十六條規

定向主管機關申請核准,或已依規定申請核准,經主管機關不予核准後,

仍從事上開業務之相關行為者,處三年以下有期徒刑、拘役或科或併科新

臺幣五百萬元以下罰金。

法人犯前項之罪者,處罰其行為負責人,對該法人並科以前項所定罰金。

Violation of Paragraph 2 of Article 14 herein by cooperating with or assisting foreign institutions to engage in activities inside the Republic of China associated with any business under the subparagraphs of Paragraph 1, Article 3 herein without the approval of the competent authority, or failing to apply to the competent authority for approval in accordance with Article 56 herein, or having applied for approval according to rules but engaging in activities associated with the aforementioned business after being denied approval by the competent authority shall be punishable by imprisonment for not more than three (3) years, detention or in lieu thereof, or in addition thereto, a fine of not more than NT$5,000,000.

Should a juristic person commit the offense prescribed in the preceding paragraph, its responsible actor(s) shall be punished, and in addition, the juristic person shall be subject to the fine set out in the preceding paragraph.

第47條

第四十四條及第四十五條之罪,為洗錢防制法第三條第一項所定之重大犯

罪,適用洗錢防制法之相關規定。

Where the offences prescribed in Article 44 or 45 herein constitutes a serious crime as defined under Paragraph 1, Article 3 of the Money Laundering Control Act, relevant provisions of the Money Laundering Control Act shall apply.



第53條

犯本條例之罪,因犯罪所得財物或財產上利益,除應發還被害人或得請求

損害賠償之人外,屬於犯人者,沒收之。如全部或一部不能沒收時,追徵

其價額或以其財產抵償之。

The gains or property interests obtained from the commission of an offence provided in this Act, other than that which should be returned to the victims of crime or/and person(s) with a claim for compensation due to harm, shall be confiscated, provided the remaining gains belong to the offender. Where the above gains or property interests cannot be confiscated in whole or in part, the value thereof shall be indemnified by either seeking recourse against the offender or offsetting such value with the property of the offender.





前開犯罪構成要件之條文內容,摘錄如下,請自行參酌:

第3條

本條例所稱電子支付機構,指經主管機關許可,以網路或電子支付平臺為

中介,接受使用者註冊及開立記錄資金移轉與儲值情形之帳戶(以下簡稱

電子支付帳戶),並利用電子設備以連線方式傳遞收付訊息,於付款方及

收款方間經營下列業務之公司。但僅經營第一款業務,且所保管代理收付

款項總餘額未逾一定金額者,不包括之:

一、代理收付實質交易款項。

二、收受儲值款項。

三、電子支付帳戶間款項移轉。

四、其他經主管機關核定之業務。

前項但書所定代理收付款項總餘額之計算方式及一定金額,由主管機關定

之。

屬第一項但書者,於所保管代理收付款項總餘額逾主管機關規定一定金額

之日起算六個月內,應向主管機關申請電子支付機構之許可。

主管機關為查明前項情形,得要求特定之自然人、法人、團體於限期內提

供所保管代理收付款項總餘額之相關資料及說明;必要時,得要求銀行及

其他金融機構提供其存款及其他有關資料。

The term "electronic payment institution" as used in this Act shall mean a company approved by the competent authority to accept, through a network or electronic payment platform, the registration and opening of an account by users that keeps track of their funds transfer and funds deposit records (referred to as "e-payment account" hereunder), and use electronic equipment to convey the receipt/payment information via connection to engage in the following businesses in the capacity of an intermediary between payers and recipients, excluding companies that engage only in business under the first subparagraph below and where the total balance of funds collected/paid and kept by them as an agent does not exceed a certain amount:

1.Collecting and making payments for real transactions as an agent.

2.Accepting deposits of funds as stored value funds.

3.Transferring funds between e-payment accounts.

4.Other businesses approved by the competent authority.

The method for calculating the total balance of funds collected/paid as an agent and the certain amount referred to in the proviso of the preceding paragraph shall be prescribed by the competent authority.

A company that is in a situation as provided in the proviso of Paragraph 1 hereof shall apply to the competent authority for approval to establish an electronic payment institution within six (6) months from the date the total balance of funds collected/paid and kept by it as an agent exceeds a certain amount prescribed by the competent authority.

For the purpose of investigating the situation described in the preceding paragraph, the competent authority may ask a specific natural person, juristic person or organization to provide relevant data and explanations on the total balance of funds collected/paid and kept by it as an agent within a specified time period; where necessary, the competent authority may also require banks and other financial institutions to provide the deposits and other relevant data of the specific natural person, juristic person or organization.



第14條第2項

非經主管機關核准,任何人不得有與境外機構合作或協助其於我國境內從

事第三條第一項各款業務之相關行為。

Unless with approval from the competent authority, nobody may cooperate with foreign institutions or assisting them to engage in activities inside the Republic of China associated with any business under the subparagraphs of Paragraph 1, Article 3 herein.


第20條第1項

專營之電子支付機構對於儲值款項扣除應提列準備金之餘額,併同代理收

付款項之金額,應全部交付信託或取得銀行十足之履約保證。

Specialized electronic payment institutions shall declare trust in full or obtain full guarantee from a bank for the stored funds deposited by users less the required reserve and for the amount of funds collected/paid as an agent



第21條第1項

專營之電子支付機構對於支付款項,除有下列情形之一者外,不得動用或

指示專用存款帳戶銀行動用:

一、依使用者支付指示移轉支付款項。

二、使用者提領支付款項。

三、依第二項至第四項所為支付款項之運用及其所生孳息或其他收益之分

配或收取。

A specialized electronic payment institution may not draw or instruct the bank at which it opens its dedicated deposit account to draw on the funds received from users, except for any of the following circumstances:

1.Transfer of funds according to the payment instruction of a user.

2.Users withdrawing funds from their e-payment account.

3.To utilize funds received from users in accordance with Paragraphs 2 ~ 4 hereof and to dispense or collect interest or other income earned thereof.



第54條

本條例施行前已辦理第三條第一項第一款業務,且所保管代理收付款項總

餘額已逾主管機關依同條第二項所定一定金額者,應自本條例施行之日起

算六個月內,由負責人檢具第十條第一項規定之書件向主管機關申請許可



For an entity that is already engaging in the business under Subparagraph 1, Paragraph 1 of Article 3 before this Act becomes effective, and that the total balance of funds collected/paid and kept by it as an agent already exceeds a certain amount set by the competent authority pursuant to Paragraph 2 of the same article, the responsible person of the entity shall, within six (6) months from the date on which this Act becomes effective, submit documentation required under Paragraph 1, Article 10 herein to the competent authority to apply for approval.



第56條

本條例施行前已與境外機構合作或協助其於我國境內從事第三條第一項各

款業務之相關行為者,應自本條例施行之日起算六個月內,依第十四條第

三項辦法之規定向主管機關申請核准。

For an entity that is already cooperating with or assisting foreign institutions to engage in activities inside the Republic of China associated with any business under the subparagraphs of Paragraph 1, Article 3 herein before this Act becomes effective shall, within six (6) months from the date on which this Act becomes effective, apply to the competent authority for approval in accordance with the regulations prescribed pursuant to Paragraph 3, Article 14 herein.
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