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GB/T 41463-2022Test specification for payment service facilities of non-bank payment institutions (English PDF)

非银行支付机构支付业务设施检测规范

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Issued by

SAMR; SAC

Level / Type

National · Recommended

Issue date

April 15, 2022

Implementation date

November 1, 2022

Scope

GB/T 41463-2022 is the English-translated version of 非银行支付机构支付业务设施检测规范.

GB/T 41463-2022 is the Chinese test specification for the payment service facilities of non-bank payment institutions. It sets the requirements for starting a test campaign and then for the functional testing, the testing of risk monitoring and anti-money laundering, the performance testing and the security testing.

It applies to the construction and management of these facilities and to the work of the third-party bodies that test them, the requirements themselves being given in GB/T 41460-2022.

Payment institutions, their technology suppliers and test bodies use it. Issued on 15 April 2022, it has applied since 1 November 2022.

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Document preview — GB/T 41463-2022

National Standard of the People's Republic of China

ICS: 03.060
Classification: A 11

Issued by: State Administration for Market Regulation; Standardization Administration of the PRC

Preface
1 Scope
2 Normative references
3 Terms and Definitions
4 Non-bank payment institution payment service facility testing start-up requirements
5 Non-bank payment business system function and management testing
6 Non-bank payment business system risk monitoring and anti-money laundering detection
7 Key business performance test of non-bank payment business system
8 Security testing of payment business facilities of non-bank payment institutions8 Reference

Foreword

This document is in accordance with the provisions of GB/T 1.1-2020 "Guidelines for Standardization Work Part 1: Structure and Drafting Rules of Standardization Documents" drafted.

1 Scope

This document specifies the requirements for testing startup, functional testing, risk monitoring and anti-money laundering testing of payment business facilities of non-bank payment institutions. Performance testing and security testing.

This document is applicable to the construction management of payment business facilities of non-bank payment institutions, as well as the testing work of third-party testing institutions.

2 Normative references

The contents of the following documents constitute essential provisions of this document through normative references in the text. Among them, dated citations documents, only the version corresponding to that date applies to this document; for undated references, the latest edition (including all amendments) applies to this document.

GB/T 28448-2019 Information Security Technology Information System Security Level Protection Evaluation Requirements

GB/T 32905 Information Security Technology SM3 Cryptographic Hash Algorithm

GB/T 32907 Information Security Technology SM4 Block Cipher Algorithm

GB/T 32918 (all parts) Information Security Technology SM2 Elliptic Curve Public Key Cryptographic Algorithm

GB/T 39786-2021 Basic requirements for cryptographic applications of information security technology information systems

GB/T 41460-2022 Technical requirements for payment business facilities of non-bank payment institutions

JR/T 0025.7-2018 China Financial Integrated Circuit (IC) Card Specification Part 7: Debit/Credit Application Security Specification

3 Terms and Definitions

The following terms and definitions apply to this document.

3.1 Payment service facilities

Payment business processing systems, network communication systems and special computer rooms for the above systems of non-bank payment institutions.

3.2 Online payment

The payee or payer initiates payment instructions remotely through electronic devices such as computers and mobile terminals, relying on the public network information system, and The payer's electronic device does not interact with the payee's specific exclusive device [POS (point of sale) terminal and scan code terminal], and is paid by the payee.

The activity of an institution to provide monetary funds transfer services to recipients or payers.

Note: The business scope of online payment includes Internet payment, mobile phone payment, digital TV payment, and fixed phone payment.

3.3 Internet payment

A payment method that relies on the Internet to realize the transfer of monetary funds between the payee and the payer.

3.4 Contractedmerchant

Enterprises and institutions, individual industrial and commercial households or other businesses that provide cardholders with goods or services and accept bank cards to complete fund settlement organize.

......
This preview omits tables, figures, formulas and parts of the technical clauses. The complete document — 74 pages — is available in the English PDF.

Referenced standards

Normative references

GB/T 32918

Similar standards

GB/T 48017.1-2026|GB/T 48018-2026|GB/T 35616-2025|GB/T 35617-2025|GB/T 35618-2025|GB/T 45249.1-2025

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