Regulation on Reporting Statistics of Payment Instruments

Pursuant to Article 36, paragraph 1, subparagraph 1.1, Article 25, paragraph 1, subparagraph 1.2, and
Article 65, paragraphs 1 and 2 of Law No. 03/L-209 on Central Bank of the Republic of Kosovo
(Official Gazette of the Republic of Kosovo, No. 77/16 August 2010), as amended and supplemented by Law No. 05/L-150 (Official Gazette of the Republic of Kosovo, No. 10/03 April 2017), Article 8, paragraph 1, subparagraph 1.1, paragraph 2, subparagraph 2.3, of Law No. 04/L-155 on the Payment System (Official Gazette of the Republic of Kosovo, No. 12/03 May 2013), and Article 136 of Law No. 10/L-026 on Payment Services (Official Gazette of the Republic of Kosovo, No. 10/14 May 2026), the Board of the Central Bank of the Republic of Kosovo, at its meeting held on 28 May 2026, approved the following:
REGULATION ON REPORTING STATISTICS
OF PAYMENT INSTRUMENTS
Article 1
Purpose and scope

1. This Regulation shall establish the rules for reporting statistics on payment instruments and
   payment services to the Central Bank of the Republic of Kosovo, including the types of statistics to be reported, reporting entities, their obligations, reporting periods and methods, as well as the principles of confidentiality and data quality. The purpose shall be to ensure the collection, processing and publication of accurate and comparable data in order to increase transparency, support the analyses and decision-making of the CBK, and improve the efficiency of the payments sector in the Republic of Kosovo.
2. This Regulation shall apply to all payment service providers and payment system operators in the
   Republic of Kosovo, in accordance with the applicable legislation.
   Article 2
   Definitions
3. All terms included in this Regulation shall have the same meaning as the terms defined in the Law
   on the Payment System, the Law on Payment Services and/or as defined below, for the purposes of this Regulation:
   1.1. CBK – Central Bank of the Republic of Kosovo;
   1.2. Payment Service Provider – PSP – shall mean any natural or legal person licensed,
   registered or authorized under the applicable laws and regulations to provide payment services;

1.3. Payment System – shall mean a system in which two or more participants cooperate in
enabling the execution of payments or facilitating the circulation of money, and includes any arrangement and/or procedure for the processing, exchange, clearing, structuring and/or settlement of payment transactions. This term shall include exchanges in payment instruments;
1.4. Payment Services – shall mean any of the following business activities:
1.4.1. Services enabling cash to be placed on a payment account, as well as all operations
required for operating a payment account;
1.4.2. Services enabling cash withdrawals from a payment account, as well as all operations
required for operating a payment account;
1.4.3. Execution of payment transactions, including transfers of funds to a payment account
with the payment service provider of the user or with another payment service provider;
1.4.4. Execution of payment transactions where the funds are covered by a credit line for a
payment service user;
1.4.5. Issuing of payment instruments and/or acquiring of payment transactions;
1.4.6. Money remittance;
1.4.7. Payment initiation services;
1.4.8. Account information services.
1.5. Payment System Operator – shall mean the Central Bank of the Republic of Kosovo, as the
entity responsible for operating and/or administering a payment system, clearing or securities settlement system, and/or another operator licensed and supervised by the CBK;
1.6. Reporting Entity – shall mean payment system operators and payment service providers.
Article 3
Reporting Entities

1. The Reporting Entities subject to this Regulation shall be the specified Payment Service Providers
   (hereinafter: PSPs) and Payment System Operators.
2. For the purposes of this Regulation, Payment Service Providers shall be:
   2.1. Banks, as defined in the Law on Banks;
   2.2. Electronic money institutions, including branches of foreign electronic money institutions,
   where the branch is located in Kosovo and the head office is located in a foreign jurisdiction, insofar as the payment services provided by the branch in Kosovo are related to the issuance of electronic money;
   2.3. Payment institutions, including branches of foreign payment institutions, where such a branch
   is located in Kosovo, and the head office of that institution is located in a foreign jurisdiction;
   2.4. Postal institutions authorized under the laws of Kosovo to provide payment services;

2.5. The CBK, when not acting in its capacity as a monetary authority or public authority;
2.6. Central and municipal public authorities, when not acting in their capacity as public
authorities.
3. Payment System Operators may be the institutions provided for in Article 4, paragraph 2, of the
Regulation on Licensing, Regulation and Supervision of Payment System Operators.
Article 4
Reporting obligations

1. Pursuant to Article 25, paragraph 1, subparagraph 1.2 of Law on the Central Bank of the Republic
   of Kosovo, Reporting Entities shall be subject to reporting requirements to the CBK.

2. In certain cases, the CBK may require reporting entities to submit additional statistical reports,
   based on samples or pre-defined forms. The CBK shall notify reporting entities in writing and, where necessary, shall contact them to provide instructions regarding the manner, deadlines and procedures for reporting.

3. Reporting Entities shall be obliged to provide the statistical information requested by the CBK for
   the purpose of compiling Payment Instrument Statistics at the level of the Republic of Kosovo.

4. The requested statistical information shall be submitted in accordance with the formats, tables,
   deadlines and technical requirements determined by the CBK.

5. Reporting entities shall be obliged to ensure that the reported statistical data are accurate, complete
   and verified before being submitted to the CBK.

6. Reporting entities shall be obliged to cooperate with the CBK during the process of verification,
   validation and clarification of the reported statistical data.

7. Reporting entities that fail to comply with the statistical requirements set out in this Regulation
   shall be subject to the relevant measures, which shall be taken in accordance with the applicable legislation.
   Article 5
   Content of data

8. Reporting Entities shall be obliged to submit to the CBK data that includes:
   1.1. Account data;
   1.2. Cards issued domestically;
   1.3. Devices enabling the initiation of payments – terminals;
   1.4. Payment transactions by instruments and types;
   1.5. Payment transactions by terminal type;
   1.6. Terminals by municipality;
   1.7. Active value of electronic money;
   1.8. Report on attempted fraud/misuse through payment instruments.

9. The data referred to in paragraph 1 of this Article shall be reported in accordance with the specified
   requirements and the format determined by the CBK through the Guideline on Reporting Statistics of Payment Instruments.

10. The CBK may, as necessary and for the purpose of harmonization with developments in new
    payment services, supplement the Guideline on Reporting Statistics of Payment Instruments with additional tables or amend/supplement the existing tables.
    Article 6
    Reports and reporting deadlines

11. Statistical reports on payment instruments shall be submitted to the CBK within fifteen (15)
    calendar days after the end of the reference period for which the data are reported.

12. Where the reporting deadline determined by this Regulation falls on an official non-working day
    in the Republic of Kosovo, reporting shall be carried out on the following first working day, which shall be considered the official reporting date.
    Article 7
    Publication and revision of data

13. The CBK shall publish statistics on payment instruments as open data, based on the data reported
    by the reporting entities. These data shall be published in aggregated form on the official website of the CBK, on a monthly, quarterly and annual basis.

14. The published data shall be considered official at the time of publication; however, they may be
    revised if, after publication, it is established that they contain omissions, inaccuracies or errors in the reported data.

15. Data revision may be carried out as a result of:
    3.1. corrections or updates of data by reporting entities;
    3.2. improvements to the reporting guideline;
    3.3. changes in international statistical standards;
    3.4. identification of errors during data quality control processes.

16. In the event of identification of errors or discrepancies, the CBK shall revise the relevant reports
    and, as necessary, shall require reporting entities to submit corrected data within the deadlines determined by the CBK.

17. Any revision of data shall be subject to an approval process, depending on the type and impact of
    the revision, in accordance with the Policy on Revision of Statistics at the CBK.

18. The CBK shall ensure full transparency by informing users of the nature of the data revision.
    Article 8
    Confidentiality

In accordance with the applicable legislation, the CBK shall guarantee the confidentiality of data submitted by the Reporting Entity and shall use it only for statistical purposes, as defined in this Regulation.
Article 9
Verification and compulsory collection of data The CBK shall verify the reported data through on-site inspections, and, where necessary, for the compulsory collection of any information that reporting entities are obliged to provide under this Regulation. In particular, such verifications shall be carried out in cases where a reporting institution fails to meet the minimum reporting standards, including the submission of data, their accuracy and compliance with the concepts defined in the Guideline on Reporting Statistics of Payment Instruments.
Article 10
Quality of reported information

1. For the purpose of continuously improving the quality of reported statistics, the CBK shall monitor
   and assess the data submitted by Reporting Entities, taking all reasonable and necessary measures to ensure that their quality is in accordance with the defined statistical standards.
2. As part of this process, the CBK may require Reporting Entities to provide additional
   clarifications, corrections or supplements to the data, and may provide guidance for improving reporting processes and strengthening internal control over data quality.
   Article 11
   Final provisions
   For the purpose of ensuring the effective implementation of the technical requirements of this Regulation, the CBK shall issue the Guideline on Reporting Statistics of Payment Instruments, which shall define in detail the reporting procedures, the content and structure of the data to be reported, the reporting deadlines, and the technical format of submission, within which reporting entities shall be obliged to submit the required information.
   Article 12
   Implementation, corrective measures and sanctions Any violation of the provisions of this Regulation shall be subject to corrective measures and/or civil administrative sanctions, in accordance with Law No. 03/L-209 on the Central Bank of the Republic of Kosovo, Law No. 04/L-155 on Payment System and Law No. 10/L-026 on Payment Services.
   Article 13
   Repeal

Upon the entry into force of this Regulation, the Regulation on Payment Instrument Statistics, approved by the Board of the Central Bank of the Republic of Kosovo on 28 February 2023, shall be repealed.
Article 14
Entry into force
This Regulation shall enter into force fifteen 15 days following its approval by the Board of the Central Bank of the Republic of Kosovo. Dr. Sc. Bashkim Nurboja Chairman of the Board of the Central Bank of the Republic of Kosovo