[{"_1":2,"_119":-5,"_120":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","en","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","8353c578-1f3b-4135-acc0-34cec9be810a","regulationData",{"_36":33,"_37":38,"_115":116,"_117":118},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":48,"_50":51,"_52":53,"_59":60,"_61":62,"_66":67,"_71":72,"_73":74,"_75":76,"_77":78,"_79":-5,"_80":81,"_82":83,"_84":85,"_86":87,"_88":89,"_90":91,"_92":93,"_94":95,"_96":97,"_98":99,"_100":101,"_102":103,"_104":105,"_106":107,"_108":109,"_110":111,"_112":-5,"_113":114},"title","Peraturan Bank Indonesia Nomor 23/6/PBI/2021 Tahun 2021 tentang Penyedia Jasa Pembayaran","short_title","Peraturan Bank Indonesia Nomor 23/6/PBI/2021","number","23/6/PBI/2021","year","2021","published_date","2021-07-01","effective_date","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_54":51,"_55":56,"_57":58},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_54":60,"_55":63,"_64":65},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[68],{"_54":69,"_55":70,"_57":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","Penyedia Jasa Pembayaran","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2021
Peraturan Bank Indonesia NO. 23/6/PBI/2021, LN.2021/NO.147, bi.go.id : 167 hlm.
Peraturan Bank Indonesia TENTANG Penyedia Jasa Pembayaran
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 01 Juli 2021. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Peraturan Bank Indonesia Nomor 22/23/PBI/2020 tentang Sistem Pembayaran.","scope_and_parties","Ruang lingkup peraturan ini mencakup aktivitas dan perizinan Penyedia Jasa Pembayaran (PJP), prinsip umum penyelenggaraan sistem pembayaran, klasifikasi PJP, pengembangan aktivitas, produk, dan kerja sama, kebijakan kepemilikan tunggal, aksi korporasi, sumber dana dan akses ke sumber dana, inovasi teknologi sistem pembayaran, pengawasan sistem pembayaran, dan pengakhiran penyelenggaraan sistem pembayaran.","policy_content","

Peraturan Bank Indonesia ini mengatur tentang Penyedia Jasa Pembayaran (PJP) dengan tujuan untuk mereformasi pengaturan sistem pembayaran agar lebih cepat, mudah, murah, aman, dan andal. Reformasi ini juga bertujuan untuk mengakomodasi perkembangan model bisnis dan inovasi penyediaan jasa pembayaran dalam mendukung digitalisasi ekonomi dan keuangan.

Ketentuan Substansial:

Aktivitas PJP:

PJP menyelenggarakan aktivitas yang meliputi penyediaan informasi Sumber Dana, payment initiation dan/atau acquiring services, penatausahaan Sumber Dana, dan/atau layanan remitansi.
Bank Indonesia dapat menetapkan aktivitas PJP selain yang telah disebutkan.

Perizinan PJP:

Setiap pihak yang bertindak sebagai PJP harus memperoleh izin dari Bank Indonesia.
Izin diberikan berdasarkan kategori izin yang meliputi berbagai kombinasi aktivitas PJP.
Persyaratan perizinan meliputi aspek kelembagaan, permodalan dan keuangan, manajemen risiko, dan kapabilitas sistem informasi.

Prinsip Umum Penyelenggaraan Sistem Pembayaran:

PJP wajib memenuhi prinsip umum yang meliputi kewajiban penyelenggaraan (tata kelola, manajemen risiko, standar keamanan sistem informasi, interkoneksi dan interoperabilitas, pemenuhan ketentuan peraturan perundang-undangan), kebijakan Bank Indonesia mengenai skema harga, serta kapabilitas sumber daya manusia dan organisasi.

Klasifikasi PJP:

Bank Indonesia menetapkan klasifikasi PJP yang terdiri atas Penyelenggara Sistem Pembayaran Sistemik (PSPS), Penyelenggara Sistem Pembayaran Kritikal (PSPK), dan Penyelenggara Sistem Pembayaran Umum (PSPU).
Klasifikasi ini mempertimbangkan ukuran, keterhubungan, kompleksitas, dan ketergantian.

Pengembangan Aktivitas, Produk, dan/atau Kerja Sama:

PJP dapat melakukan pengembangan aktivitas, produk, dan/atau kerja sama dengan pihak lain sesuai dengan kategori risiko yang telah ditentukan.

Sumber Dana dan Akses ke Sumber Dana:

Sumber Dana harus memenuhi unsur-unsur yang ditetapkan, termasuk memiliki nilai dalam satuan rupiah dan digunakan untuk tujuan pembayaran.
Akses ke Sumber Dana meliputi instrumen, kanal, dan akses ke Sumber Dana lainnya yang ditetapkan oleh Bank Indonesia.

Inovasi Teknologi Sistem Pembayaran:

Bank Indonesia menyediakan ruang uji coba pengembangan inovasi teknologi Sistem Pembayaran untuk mendukung pengembangan ekonomi dan keuangan digital.

Pengawasan Sistem Pembayaran:

Bank Indonesia melakukan pengawasan terhadap penyelenggaraan Sistem Pembayaran dengan menggunakan pendekatan pengawasan berbasis risiko dan/atau kepatuhan.

","transitional_provisions","(-)","sanctions","1. Pelanggaran Pasal 4 ayat (4) dikenai sanksi administratif berupa teguran, penghentian sementara kegiatan, atau pencabutan izin.\n2. Pelanggaran Pasal 44, 51 ayat (1), 51 ayat (2), 52, 54 ayat (7), atau 55 ayat (1) dikenai sanksi administratif berupa teguran, penghentian sementara kegiatan, atau pencabutan izin.\n3. Pelanggaran Pasal 62 ayat (2) huruf a dan huruf b, atau Pasal 71 ayat (1) dikenai sanksi administratif berupa teguran, penghentian sementara kegiatan, atau pencabutan izin.","revokes",[],"revoked_by",[],"partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA
BANK INDONESIA REGULATION
NUMBER 23/6/PBI/2021
CONCERNING
PAYMENT SERVICE PROVIDERS

BY THE GRACE OF GOD ALMIGHTY

GOVERNOR OF BANK INDONESIA,

\n\n \n \n \n \n \n \n \n \n

Considering:

that reforms to payment system regulations, including the provision of payment services, need to be carried out in line with fulfilling the principles of payment system operation that are fast, easy, inexpensive, safe, and reliable, while still paying attention to stability, expanded access, consumer protection, healthy business practices, and the application of best practices;
that reforms to payment system regulations need to accommodate the development of business models and innovations in the provision of payment services from operators to service users, as well as connectivity with operators or other parties in the operation of payment systems in support of economic and financial digitalization;
that the development of payment system service provision activities requires strengthening the regulatory functions of access to the industry, operations, termination of operations, supervision, and processing of payment system data and/or information;
that based on the considerations as referred to in letter a, letter b, and letter c, it is necessary to stipulate a Bank Indonesia Regulation concerning Payment Service Providers;

In view of:

Law Number 23 of 1999 concerning Bank Indonesia as amended several times, most recently by Law Number 6 of 2009 concerning the Stipulation of Government Regulation in Lieu of Law Number 2 of 2008 concerning the Second Amendment to Law Number 23 of 1999 concerning Bank Indonesia into Law;
Bank Indonesia Regulation Number 22/23/PBI/2020 concerning Payment Systems;

DECIDES:

\n\n \n \n \n \n \n \n

To stipulate:

BANK INDONESIA REGULATION CONCERNING PAYMENT SERVICE PROVIDERS

CHAPTER I
GENERAL PROVISIONS

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