[{"_1":2,"_93":-5,"_94":-5},"loaderData",{"_3":4,"_24":25,"_26":27},"root",{"_5":6,"_7":-5,"_8":9},"locale","id","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","CLARITY_PROJECT_ID","wn9rn7xb4l","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",{"_28":29,"_30":31},"regulationId","60751977-3e20-4de0-b80c-28dfa376e8db","regulationData",{"_32":29,"_33":34,"_89":90,"_91":92},"regulation_id","overview",{"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":-5,"_46":47,"_48":49,"_54":55,"_56":57,"_61":62,"_66":-5,"_67":-5,"_68":-5,"_69":-5,"_70":-5,"_71":72,"_73":74,"_75":76,"_77":78,"_79":80,"_81":-5,"_82":-5,"_83":-5,"_84":-5,"_85":-5,"_86":-5,"_87":88},"title","Peraturan Anggota Dewan Gubernur Nomor 32 Tahun 2025 tentang Pengaturan Industri Sistem Pembayaran","short_title","Peraturan Anggota Dewan Gubernur Nomor 32 Tahun 2025","number","32","year","2025","published_date","2025-12-24","effective_date","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_6":47,"_50":51,"_52":53},"name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","14ce3041-5efb-41d5-bceb-d5894ec77cfb","type",{"_6":55,"_50":58,"_59":60},"Peraturan Anggota Dewan Gubernur","short_name","PADG","subjects",[63],{"_6":64,"_50":65,"_52":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan, Lembaga Keuangan","location","place_of_enactment","theme","subject_matter","abstract","regulatory_relationship","Peraturan ini mencabut:\n1. (-)\n\nPeraturan ini mengubah:\n1. (-)","scope_and_parties","Ruang lingkup Peraturan Anggota Dewan Gubernur ini meliputi pengaturan mengenai:\r\na. aktivitas, produk, skema harga (pricing), dan inovasi teknologi Sistem Pembayaran;\r\nb. struktur industri Sistem Pembayaran;\r\nc. tata kelola dan manajemen risiko;\r\nd. praktik pasar (market practice);\r\ne. data dan/atau informasi Sistem Pembayaran;\r\nf. pengawasan;\r\ng. pengakhiran; dan\r\nh. koordinasi dan kerja sama.","policy_content","Peraturan Anggota Dewan Gubernur ini bertujuan untuk memastikan pelaksanaan pengaturan industri Sistem Pembayaran sejalan dengan tugas dan wewenang Bank Indonesia, menjadi peraturan pelaksanaan dari Peraturan Bank Indonesia tentang Pengaturan Industri Sistem Pembayaran, menjadi pedoman para pihak dalam mengimplementasikan Peraturan Bank Indonesia tentang Pengaturan Industri Sistem Pembayaran, dan sebagai dasar pembentukan petunjuk teknis yang menjadi pedoman bagi industri Sistem Pembayaran dalam penyelenggaraan Sistem Pembayaran.\n\nKetentuan substansial dalam peraturan ini mencakup:\n\n1. **Aktivitas Sistem Pembayaran**: Penyelenggaraan Sistem Pembayaran meliputi jasa Sistem Pembayaran (penatausahaan Sumber Dana dan penerusan transaksi pembayaran) dan infrastruktur Sistem Pembayaran (kliring dan penyelesaian akhir/setelmen).\n2. **Produk Sistem Pembayaran**: Produk terdiri atas Sumber Dana (simpanan, nilai uang elektronik, deferred payment) dan akses ke Sumber Dana (transfer kredit/debit, instrumen, kanal).\n3. **Uang Elektronik**: Diatur mengenai batas nilai, masa berlaku, dana float, fitur, biaya, dan penyelenggaraan oleh Bank Umum Syariah.\n4. **Layanan Keuangan Digital (LKD)**: Penyelenggaraan LKD oleh PJP melalui kerja sama dengan agen LKD, dengan memperhatikan manajemen risiko, aset, permodalan, APU-PPT, sistem informasi, dan sistem keluhan agen.\n5. **Alat Pembayaran Menggunakan Kartu (APMK)**: Penggunaan standar nasional APMK.\n6. **Skema Harga (Pricing)**: Bank Indonesia menetapkan kebijakan skema harga dengan mempertimbangkan kepentingan nasional, efisiensi, kontinuitas bisnis, dan perluasan akseptasi.\n7. **Inovasi Teknologi Sistem Pembayaran**: Bank Indonesia memfasilitasi inovasi melalui ruang uji coba, menerapkan prinsip proses berdasarkan kriteria, transparansi, proporsionalitas, keadilan, kesetaraan, dan forward looking.\n8. **Struktur Industri Sistem Pembayaran**: Pengaturan mengenai TIKMI, SBP dan RBSP, klasifikasi PSP, paket aktivitas PJP, perizinan, peserta, pengembangan aktivitas, dan penyelenggara penunjang.\n9. **Tata Kelola dan Manajemen Risiko**: PSP dan Peserta wajib menerapkan prinsip tata kelola yang baik dan manajemen risiko dalam penyelenggaraan Sistem Pembayaran.","transitional_provisions","(-)","sanctions","1. Bagi PSP yang tidak menyampaikan asesmen pemenuhan TIKMI secara mandiri (self-assessment) atau dinyatakan tidak menyampaikan asesmen pemenuhan TIKMI secara mandiri (self-assessment) dikenai sanksi administratif berupa denda sebesar Rp5.000.000,00 (lima juta rupiah) per asesmen.\n2. PSP yang terlambat menyampaikan laporan pengembangan yang bersifat standar dikenai sanksi administratif berupa denda sebesar Rp500.000,00 (lima ratus ribu rupiah) per hari kerja keterlambatan per laporan.\n3. PSP yang tidak menyampaikan atau dinyatakan tidak menyampaikan laporan pengembangan yang bersifat standar dikenai sanksi administratif berupa denda sebesar Rp20.000.000,00 (dua puluh juta rupiah) per laporan.\n4. PSP yang melanggar ketentuan pengembangan aktivitas, pengembangan produk, dan/atau kerja sama dikenai sanksi administratif berupa denda sebesar Rp30.000.000,00 (tiga puluh juta rupiah) untuk setiap pengembangan aktivitas, pengembangan produk, dan/atau kerja sama.","revoked_by","partially_revoked_by","revokes","amended_by","amends","constitutional_review","is_verified",false,"english_excerpt","\n

REGULATION OF THE MEMBERS OF THE BOARD OF GOVERNORS
NUMBER 32 OF 2025
CONCERNING
REGULATION OF THE PAYMENT SYSTEM INDUSTRY

BY THE GRACE OF GOD ALMIGHTY

MEMBERS OF THE BOARD OF GOVERNORS OF BANK INDONESIA,

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

Considering:

that to maintain the stability of the payment system carried out through various key initiatives formulated in the Indonesian Payment System Blueprint, Bank Indonesia has issued Bank Indonesia Regulation Number 10 of 2025 concerning Regulation of the Payment System Industry;
that to support the implementation of Bank Indonesia Regulation as referred to in letter a, implementing regulations are needed as further guidelines in the application of payment system industry regulations while still paying attention to continuity with applicable regulations;
that based on the considerations as referred to in letters a and b, it is necessary to stipulate a Regulation of the Members of the Board of Governors concerning Regulation of the Payment System Industry;

In view of:

Bank Indonesia Regulation Number 10 of 2025 concerning Regulation of the Payment System Industry (State Gazette of the Republic of Indonesia Year 2025 Number 56/BI, Supplement to the State Gazette of the Republic of Indonesia Number 184/BI);

DECIDES:

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

To stipulate:

REGULATION OF THE MEMBERS OF THE BOARD OF GOVERNORS CONCERNING REGULATION OF THE PAYMENT SYSTEM INDUSTRY.

CHAPTER I
GENERAL PROVISIONS

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