Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 215 of 31 August 2016 on Approval of the Rules for Organizing the Activities of Payment Organizations

«NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN»	[pic]	REPUBLICAN STATE INSTITUTION «NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN»
REPUBLICAN STATE INSTITUTION		RESOLUTION OF THE BOARD
31 August 2016		No. 215
Nur-Sultan city		Nur-Sultan city

On approval of the Rules for organizing the activities of payment organizations	Registered by the Ministry of Justice of the Republic of Kazakhstan on 20 October 2016 No. 14347

(as amended and supplemented as of 19.03.2020)

For amendments see resolution of the Board of the National Bank of the Republic of Kazakhstan dated 21 September 2020 No. 119 (to be put into effect upon expiry of twenty-one calendar days after the day of its first official publication)

The preamble is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording) In accordance with the laws of the Republic of Kazakhstan dated 30 March 1995 «On the National Bank of the Republic of Kazakhstan», dated 15 April 2013 «On state services», dated 16 May 2014 «On permits and notifications», dated 26 July 2016 «On payments and payment systems», for the purpose of establishing the procedure for organizing the activities of payment organizations, the Board of the National Bank of the Republic of Kazakhstan RESOLVES:

1. To approve the attached Rules for organizing the activities of payment organizations.
2. The Department of Payment Systems (Ashykbekov E.T.) shall, in the procedure established by the legislation of the Republic of Kazakhstan, ensure:
   1) together with the Legal Department (Sarsenova N.V.) state registration of this resolution with the Ministry of Justice of the Republic of Kazakhstan;
   2) sending of this resolution to the republican state enterprise with the right of economic management «Republican Center for Legal Information of the Ministry of Justice of the Republic of Kazakhstan»:
   for official publication in the information and legal system «Adilet» within ten calendar days after its state registration with the Ministry of Justice of the Republic of Kazakhstan; for inclusion in the State Register of Normative Legal Acts of the Republic of Kazakhstan, the Reference Control Bank of Normative Legal Acts of the Republic of Kazakhstan within ten calendar days from the day of its state registration with the Ministry of Justice of the Republic of Kazakhstan;
   3) placement of this resolution on the official internet resource of the National Bank of the Republic of Kazakhstan after its official publication.
3. The Department for the Protection of the Rights of Consumers of Financial Services and External Communications (Terentyev A.L.) shall ensure the sending of this resolution for official publication in periodicals within ten calendar days after its state registration with the Ministry of Justice of the Republic of Kazakhstan.
4. Control over the execution of this resolution shall be entrusted to the Deputy Chairman of the National Bank of the Republic of Kazakhstan Pirmatov G.O.
5. This resolution shall be put into effect upon expiry of ten calendar days after the day of its first official publication.

Chairman
of the National Bank	D. Akishev

«AGREED»
Ministry of Information and Communications of the Republic of Kazakhstan Minister D. Abayev 14 September 2016

«AGREED»
Minister of National Economy of the Republic of Kazakhstan K. Bishimbayev 23 September 2016

Approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 215

Rules for organizing the activities of payment organizations

Chapter 1. General provisions

Paragraph 1 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)

1. These Rules for organizing the activities of payment organizations (hereinafter - the Rules) have been developed in accordance with the laws of the Republic of Kazakhstan dated 30 March 1995 «On the National Bank of the Republic of Kazakhstan», dated 15 April 2013 «On state services», dated 16 May 2014 «On permits and notifications», dated 26 July 2016 «On payments and payment systems» (hereinafter - the Law on payments and payment systems), and determine the procedure for organizing the activities of payment organizations.
   The procedure for organizing the activities of payment organizations includes accounting registration of payment organizations with the National Bank of the Republic of Kazakhstan (hereinafter - the National Bank), maintenance by the National Bank of the register of payment organizations (hereinafter - the register), provision of payment services by payment organizations and notification by payment organizations of the opening of branches.
2. The Rules use the concepts provided for by the Law on payments and payment systems.
3. A payment organization, if it has a registration number of accounting registration of the payment organization assigned by the National Bank (hereinafter - the registration number), provides the following types of payment services:
   1) services for accepting cash for making a payment without opening a bank account of the sender of money;
   2) services for the sale (distribution) of electronic money and payment cards;
   3) services for accepting and processing payments made using electronic money;
   4) services for processing payments initiated by a client in electronic form and transmitting the necessary information to a bank, an organization carrying out certain types of banking operations, for making a payment and (or) transfer or accepting money for these payments.

Chapter 2. Accounting registration of payment organizations
with the National Bank

Paragraph 4 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
4. To undergo accounting registration with the National Bank, a payment organization submits to the National Bank on paper or through the web portal of the «electronic government» an application in the form according to Appendix 1 to the Rules, containing, among other things, information about the head (members) of the executive body of the payment organization (with copies of the diploma (diplomas) and a document confirming the labor activity of the head (member) of the executive body of the payment organization in accordance with the Labor Code of the Republic of Kazakhstan dated 23 November 2015).
The application shall also be accompanied by the documents provided for by subparagraphs 1-1), 2), 3) and 7) of paragraph 2 of Article 16 of the Law on payments and payment systems.
5. Excluded in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
6. Excluded in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
7. The Rules for carrying out the activities of a payment organization contain the following mandatory conditions:
1) description of the payment services provided by the payment organization;
2) procedure and terms for providing payment services to clients of the payment organization;
3) cost of payment services (tariffs) provided by the payment organization;
4) procedure for interaction with third parties providing technological support for payment services provided by the payment organization;
5) information about the risk management system used by the payment organization;
6) procedure for settling disputed situations and resolving disputes with clients;
7) procedure for complying with information security measures.
8. Excluded in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
9. Excluded in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
Paragraph 10 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
10. The National Bank considers the application of the payment organization and makes a decision on it within ten working days from the day of submission of the complete package of documents provided for by paragraph 2 of Article 16 of the Law on payments and payment systems.
In case of repeated submission by the payment organization of an application in the case provided for by paragraph 2 of Article 17 of the Law on payments and payment systems, the application is considered by the National Bank within the period provided for by the first part of this paragraph.
11. Based on the results of consideration of the application, the National Bank makes a decision on the accounting registration of the payment organization or on refusal of accounting registration of the payment organization.
Paragraph 12 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
12. In case of introduction of changes and (or) additions to the documents provided for by paragraph 2 of Article 16 of the Law on payments and payment systems, the payment organization submits to the National Bank the changed and (or) supplemented documents within ten calendar days from the day of introduction of such changes and (or) additions.
The Rules are supplemented by paragraph 12-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 28.11.19 No. 221; set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording) 12-1. A payment organization that has undergone accounting registration with the National Bank, if it is necessary to include additional payment services in the list of provided payment services, submits to the National Bank the documents provided for by subparagraphs 1-1), 3) and 7) of paragraph 2 of Article 16 of the Law on payments and payment systems, with changes and (or) additions made taking into account the payment services planned to be provided, within ten calendar days from the day of introduction of such changes and (or) additions.
13. Excluded in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
14. Accounting registration of a payment organization formed as a result of voluntary reorganization of a payment organization (payment organizations) in accordance with Article 20 of the Law on payments and payment systems is carried out by the National Bank in the procedure provided for by this chapter.
15. Exclusion from the register of the reorganized payment organization (payment organizations) is carried out by the National Bank on the day of inclusion of the payment organization (payment organizations) formed as a result of voluntary reorganization in the register.

The Rules are supplemented by chapter 2-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35
Chapter 2-1. Procedure for providing the state service «Inclusion in the register of payment organizations that have undergone accounting registration with the National Bank of the Republic of Kazakhstan»
(hereinafter - the state service for accounting registration)

15-1. The list of main requirements for the provision of the state service for accounting registration, including the characteristics of the process, form, content and result of provision, as well as other information taking into account the specifics of providing the state service for accounting registration, is established in Appendix 2 to the Rules. 15-2. An employee of the National Bank authorized to receive and register correspondence, on the day of receipt of the application, carries out its receipt, registration and sending for execution to the subdivision responsible for providing the state service for accounting registration (hereinafter - the responsible subdivision). If the application is received after the end of working hours, on weekends and holidays in accordance with the labor legislation of the Republic of Kazakhstan, applications are received on the next working day. When a payment organization sends an application through the web portal of the «electronic government», the personal account automatically displays the status of acceptance of the request for the provision of the state service, indicating the date and time of receipt of the result. The National Bank receives from the relevant state information systems through the gateway of the «electronic government» information about the documents identifying the head of the payment organization and about the state registration (re-registration) of the legal entity. 15-3. An employee of the responsible subdivision, within five working days from the day of registration of the application, checks the completeness of the submitted documents. If the fact of incompleteness of the submitted documents is established, the responsible subdivision, within five working days from the day of registration of the application, prepares and sends a written reasoned refusal for further consideration of the application. 15-4. If the fact of completeness of the submitted documents is established, the responsible subdivision, within eight working days from the day of registration of the application, considers the documents for their compliance with the requirements of the legislation of the Republic of Kazakhstan, prepares a draft notification of passing accounting registration for granting permission (right) to the payment organization to provide payment services (hereinafter - the notification) according to Appendix 3 to the Rules or a draft reasoned refusal. The head of the responsible subdivision approves and signs the notification or reasoned refusal within two working days. After approval and signing by the head of the responsible subdivision of the notification or reasoned refusal, the employee of the responsible subdivision, on the day of the decision, includes the payment organization in the register of payment organizations (when signing the notification), sends to the payment organization the result of the provision of the state service for accounting registration. On the web portal of the
«electronic government», the result of the provision of the state service for accounting registration is sent to the payment organization to the personal account in the form of an electronic document certified by the electronic digital signature (hereinafter - EDS) of the authorized person. 15-5. Information about the stage of provision of the state service for accounting registration is updated automatically in the information system for monitoring the provision of state services.

Chapter 3. Maintenance of the register

16. The register contains information about payment organizations that have undergone accounting registration with the National Bank.
    The register is maintained by the National Bank for the purpose of controlling the payment services market and is posted on the official internet resource of the National Bank.
    Paragraph 17 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
17. When making a decision on the accounting registration of a payment organization, the National Bank, within ten working days from the day of submission of the complete package of documents provided for by paragraph 2 of Article 16 of the Law on payments and payment systems:
    1) assigns a registration number to the payment organization and makes an entry in the register in the form according to Appendix 4 to the Rules;
    2) sends to the payment organization in writing a notification of passing accounting registration of the payment organization indicating the registration number.
    Paragraph 18 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35 (see old wording)
18. When making a decision to refuse accounting registration of a payment organization, the National Bank, within ten working days from the day of submission of the complete package of documents provided for by paragraph 2 of Article 16 of the Law on payments and payment systems, sends to the payment organization a reasoned refusal of accounting registration indicating the reason for the refusal.
19. The National Bank maintains a dossier for each payment organization that has undergone accounting registration with the National Bank, on paper or in electronic form.
20. The National Bank excludes a payment organization from the register on the grounds provided for by paragraph 1 of Article 18 of the Law on payments and payment systems.
21. A payment organization, within three working days from the day of entry into force of a court decision on termination of the activity of the payment organization or adoption of a decision on voluntary termination of activity through reorganization (merger, consolidation, division, spin-off, transformation) or liquidation, sends to the National Bank a notification in free written form with supporting documents attached.
22. The National Bank, within five working days from the day of exclusion by the National Bank of the payment organization from the register, notifies the payment organization in writing at the actual location of the payment organization or the address indicated in the application, and publishes information about this on the official internet resource of the National Bank.
23. In case of exclusion from the register, the payment organization, within thirty calendar days from the day of notification by the National Bank of exclusion from the register, makes a decision to change the name if it contains the words «payment organization», or reorganization, or liquidation of the payment organization.

The Rules are supplemented by chapter 3-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35
Chapter 3-1. Procedure for providing the state service «Issuance of consent to conduct voluntary reorganization (merger, consolidation, division, spin-off, transformation) of payment organizations» (hereinafter - the state service for voluntary reorganization)

23-1. Issuance of consent to conduct voluntary reorganization of a payment organization is carried out upon submission by the payment organization to the National Bank on paper or through the web portal of the «electronic government» of the decision on voluntary reorganization. The list of main requirements for the provision of the state service for voluntary reorganization, including the characteristics of the process, form, content and result of provision, as well as other information taking into account the specifics of providing the state service for voluntary reorganization, is established in Appendix 5 to the Rules. The decision shall be accompanied by the documents provided for by subparagraphs 2), 4), 5) and 7) of paragraph 2 of Article 20 of the Law on payments and payment systems. 23-2. An employee of the National Bank authorized to receive and register correspondence, on the day of receipt of documents, carries out receipt, registration and sending for execution to the subdivision responsible for providing the state service for voluntary reorganization (hereinafter - the responsible subdivision). If documents are received after the end of working hours, on weekends and holidays in accordance with the labor legislation of the Republic of Kazakhstan, documents are received on the next working day. When a payment organization sends an application through the portal, the personal account automatically displays the status of acceptance of the request for the provision of the state service, indicating the date and time of receipt of the result. 23-3. An employee of the responsible subdivision, within five working days from the day of registration of documents, checks their completeness. If the fact of incompleteness of the submitted documents is established, the responsible subdivision, within five working days from the day of registration of the application, prepares and sends a written reasoned refusal for further consideration of the application. 23-4. If the fact of completeness of the submitted documents is established, the responsible subdivision, within eight working days from the day of registration of documents, considers the documents for their compliance with the requirements of the legislation of the Republic of Kazakhstan, prepares a draft notification of the issuance of consent to conduct voluntary reorganization (hereinafter - the notification) or a reasoned refusal; The head of the responsible subdivision approves and signs the notification or reasoned refusal within two working days. After approval and signing by the head of the responsible subdivision of the notification or reasoned refusal, the employee of the responsible subdivision, on the day of the decision, sends to the payment organization the result of the provision of the state service for voluntary reorganization. On the web portal of the «electronic government», the result of the provision of the state service for voluntary reorganization is sent to the payment
organization to the personal account in the form of an electronic document certified by the EDS of the authorized person. 23-5. Information about the stage of provision of the state service for voluntary reorganization is updated automatically in the information system for monitoring the provision of state services.

The Rules are supplemented by chapter 3-2 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 19.03.20 No. 35
Chapter 3-2. Procedure for appealing decisions, actions (inaction) of the National Bank and (or) its officials on issues of providing state services

23-6. Appealing decisions, actions (inaction) of the National Bank and (or) its officials on issues of providing state services is carried out in writing to the name of the head of the National Bank.
The complaint of the payment organization shall indicate its name, postal address, outgoing number and date of filing the complaint.
The complaint is signed by the payment organization.
Confirmation of acceptance of the complaint is its registration (stamp, incoming number and date) in the office of the National Bank indicating the surname and initials of the person who accepted the complaint, the term and place of receiving a response to the submitted complaint. A complaint of a payment organization on issues of providing state services received by the National Bank is considered within five working days from the day of its registration. In case of disagreement with the results of the provided state service, the payment organization applies with a complaint to the authorized body for assessment and control over the quality of provision of state services. A complaint of a payment organization received by the authorized body for assessment and control over the quality of provision of state services is considered within fifteen working days from the day of its registration. 23-7. In case of disagreement with the results of the provided state service, the payment organization applies to the court in the procedure established by the legislation of the Republic of Kazakhstan.

Chapter 4. Provision of payment services by payment organizations

24. A payment organization, after providing a payment service, issues to the client a document confirming the fact of provision of the payment service, on paper or via a telecommunications network.

25. When a payment organization provides payment services provided for by subparagraphs 1) and 4) of paragraph 3 of the Rules, the document confirming the fact of provision of the payment service contains the following details:
    1) document number, day, month, year of its issuance;
    2) name of the payment organization;
    3) amount of the operation;
    4) currency of the operation;
    5) amount of the commission fee;
    6) purpose of payment;
    7) name of the service provider (in the case of provision of the payment service provided for by subparagraph 1) of paragraph 3 of the Rules);
    8) name or bank identification code of the bank or organization carrying out certain types of banking operations to which the payment organization provides information for making a payment and (or) transfer or accepting money for these payments in accordance with subparagraph 9) of paragraph 1 of Article 12 of the Law on Payments and Payment Systems (in the case of provision of the payment service provided for by subparagraph 4) of paragraph 3 of the Rules).
    The payment organization is permitted to include additional details on the provided payment service in the document confirming the fact of provision of the payment service.

26. When a payment organization provides payment services provided for by subparagraphs 2) and 3) of paragraph 3 of the Rules, the document confirming the fact of provision of the payment service is issued by the payment organization in accordance with the Rules for the Issue, Use and Redemption of Electronic Money, as well as Requirements for Electronic Money Issuers and Electronic Money Systems in the Territory of the Republic of Kazakhstan, approved by Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 202 of 31 August 2016 "On Approval of the Rules for the Issue, Use and Redemption of Electronic Money, as well as Requirements for Electronic Money Issuers and Electronic Money Systems in the Territory of the Republic of Kazakhstan", registered in the State Registration Register of Normative Legal Acts under No. 14298, and the Rules for the Issue of Payment Cards, as well as Requirements for Activities on Servicing Operations with Their Use in the Territory of the Republic of Kazakhstan, approved by Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 205 of 31 August 2016 "On Approval of the Rules for the Issue of Payment Cards, as well as Requirements for Activities on Servicing Operations with Their Use in the Territory of the Republic of Kazakhstan", registered in the State Registration Register of Normative Legal Acts under No. 14299.

Paragraph 27 was amended in accordance with Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 221 of 28.11.19 (see previous version)

27. A payment organization, when providing payment services provided for by subparagraphs 1) and 2) of paragraph 3 of the Rules, through a payment agent and (or) payment subagent, ensures:
    1) maintenance of a register of payment agents and (or) payment subagents in accordance with the internal document of the payment organization;
    2) control over compliance by the payment agent with the requirements of the Law on Payments and Payment Systems, as well as the terms of provision of payment services provided for by the agreement between the payment agent and the payment organization.
    The control provided for by subparagraph 2) of the first part of this paragraph is carried out in accordance with the agreement between the payment organization and the payment agent and (or) internal documents of the payment organization.

Paragraph 28 was amended in accordance with Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 182 of 27.08.18 (see previous version)

28. A payment organization provides payment services provided for by subparagraph 1) of paragraph 3 of the Rules in accordance with an agreement between the payment organization and the service provider.
    A payment organization provides payment services for accepting payments to the budget without opening a client's bank account in accordance with an agency agreement for the provision of payment services between the payment organization and a bank and (or) an organization carrying out certain types of banking operations.

29. A payment organization provides payment services as a payment agent of a bank or a payment subagent in accordance with an agency agreement for the provision of payment services between the payment organization and the bank or payment agent.

30. The agreement with the service provider and the agency agreement for the provision of payment services contain the conditions provided for by part four of paragraph 3 of Article 13 of the Law on Payments and Payment Systems.

31. When carrying out activities as a payment agent, the payment organization provides to the bank or organization carrying out certain types of banking operations with which it has concluded an agency agreement for the provision of payment services, information on attracted payment subagents in accordance with the agreement between them.

Chapter 5. Notification by payment organizations
of the opening of branches

32. A payment organization, within ten working days from the day of opening a branch of the payment organization in the territory of the Republic of Kazakhstan and outside the Republic of Kazakhstan, submits to the National Bank a notification of the opening of a branch in the form according to Appendix 6 to the Rules, on paper or in electronic form through the financial automated system for the transportation of information.
    The following are attached to the notification of the opening of a branch:
    1) a copy of the decision of the management body of the payment organization on the opening of the branch and the election (appointment) of the first head of the branch of the payment organization;
    2) a notarized copy of the regulation on the branch;
    3) the business plan of the branch;
    4) a copy of the power of attorney issued to the first head of the branch.

33. The documents provided for by paragraph 32 of the Rules are stored in the dossier of the payment organization on paper and in electronic form.

Appendix 1 was amended in accordance with Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 182 of 27.08.18 (see previous version); as set out in the wording of Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 221 of 28.11.19 (see previous version); Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 35 of 19.03.20 (see previous version)

Appendix 1
to the Rules for Organizing the Activities of Payment Organizations

Form

National Bank of the Republic of Kazakhstan

Application

---

(name and business identification number of the payment organization) requests accounting registration of the payment organization and inclusion of the payment organization in the register of payment organizations

1. Location of the payment organization:

---

---

(postal code, city (region), district, street, house (office) number) ______ ______ (telephone, fax, email address, internet resource (if any))
2. Information on state registration (re-registration) of the payment organization:

---

---

(name of document, number and date of issue, by whom issued)
3. List of payment services planned to be provided in accordance with paragraph 3 of the Rules for Organizing the Activities of Payment Organizations:
1) ______;
2) ______;
3) ______
4. List of documents submitted in accordance with paragraph 2 of Article 16 of the Law of the Republic of Kazakhstan of 26 July 2016 "On Payments and Payment Systems":
1) ______;
2) ______;
5. Information on the head (members) of the executive body of the payment organization:
General information:

Surname, name, patronymic (if any)	______
	(in accordance with the identity document, in case of change of surname, name, patronymic - indicate when and for what reason the changes occurred)
Individual identification number
Data of the identity document	(name of document, number, series (if any) and date of issue, by whom issued)
Place of residence	(place of residence, including home, office telephone numbers, as well as email address)
Citizenship

Full list of places of work and positions:

No.	Period of work (month/year)	Name of organization, positions held	Job responsibilities
1.

Other information:

Presence of an unexpunged or unspent criminal record	Yes/no
	(if yes, indicate the details of the court verdict, article of the Criminal Code of the Republic of Kazakhstan)
If previously was a head, member of a management body, head, member of an executive body, chief accountant of a financial organization, during the period not more than one year before the adoption of a decision on the conservation of the financial organization or forced buyout of its shares, deprivation of the license of the financial organization, entailing its liquidation and (or) termination of activities in the financial market, or the entry into force of a court decision on forced liquidation of the financial organization or its recognition as bankrupt in the manner determined by the Law of the Republic of Kazakhstan of 7 March 2014 "On Rehabilitation and Bankruptcy"	Yes/no
	(if yes, the name of the organization, position, details of the decision on conservation of the financial organization or forced buyout of its shares, deprivation of the license of the financial organization, entailing its liquidation and (or) termination of activities in the financial market, or the entry into force of a court decision on forced liquidation of the financial organization or its recognition as bankrupt in the manner determined by the Law of the Republic of Kazakhstan of 7 March 2014 "On Rehabilitation and Bankruptcy")
Other information (if any)

I confirm that the attached information has been verified by me and is reliable and complete.
I agree to the use of information constituting a legally protected secret contained in information systems.
First head of the payment organization or person authorized to sign ______ ______ surname, name, patronymic (if any) signature

Appendix 2 was amended in accordance with Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 182 of 27.08.18 (see previous version); as set out in the wording of Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 221 of 28.11.19 (see previous version); Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 35 of 19.03.20 (see previous version)

Appendix 2
to the Rules for Organizing the Activities of Payment Organizations

Form

Standard of state service
"Inclusion in the register of payment organizations that have undergone accounting registration with the National Bank of the Republic of Kazakhstan"

1.	Name of the service provider	National Bank of the Republic of Kazakhstan
2.	Methods of providing the state service	Web portal of the "electronic government" www.egov.kz, www.elicense.kz (hereinafter - the portal); office of the service provider.
3.	Term of providing the state service	Within ten working days from the day of registration of the application and the complete list of documents.
4.	Form of providing the state service	Electronic (partially automated) and paper.
5.	Result of providing the state service	Notification of passing accounting registration for granting permission (right) to provide payment services by the payment organization established by the Law of the Republic of Kazakhstan of 26 July 2016 "On Payments and Payment Systems" (hereinafter - the Law) or a reasoned refusal. Form of the result of providing the state service: electronic/paper
6.	Amount of fee charged from the service recipient for providing the state service, and methods of its collection in cases provided for by the legislation of the Republic of Kazakhstan	The service is provided free of charge.
7.	Work schedule	1) of the service provider - from Monday to Friday from 9.00 to 18.30 hours with a lunch break from 13.00 to 14.30 hours, except weekends and holidays, in accordance with the labor legislation of the Republic of Kazakhstan. Schedule of acceptance of documents and issuance of results of providing the state service - from Monday to Friday from 9.00 to 17.30 hours with a lunch break from 13.00 to 14.30 hours; 2) of the portal - around the clock, except for technical breaks due to repair work (when the service recipient applies after the end of working hours, on weekends and holidays, according to the labor legislation of the Republic of Kazakhstan, acceptance of applications and issuance of results of providing the state service is carried out on the next working day).
8.	List of documents necessary for providing the state service	1) application in the form according to Appendix 1 to the Rules for Organizing the Activities of Payment Organizations approved by Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 215 of 31 August 2016 (hereinafter - the Rules). 2) copy of the diploma (diplomas) of the head (member) of the executive body of the payment organization; 3) copy of the document confirming the labor activity of the head (member) of the executive body of the payment organization in accordance with the Labor Code of the Republic of Kazakhstan; 4) copies of documents confirming the formation of the authorized capital; 5) charter, except in cases where the payment organization operates under a model charter; 6) document defining the procedure for interaction of the payment organization with the relevant bank or organization carrying out certain types of banking operations that carry out money transfers for the provided payment services; 7) rules for carrying out the activities of the payment organization approved by the management body of the payment organization. The list of mandatory conditions of the rules for carrying out the activities of the payment organization is established in the Rules.
9.	Grounds for refusal to provide the state service established by the legislation of the Republic of Kazakhstan	1) submission of incomplete and (or) unreliable information to be reflected in the documents specified in paragraph 2 of Article 16 of the Law; 2) submission of an incomplete list of documents or non-compliance of documents with the requirements of the Law and the Rules; 3) if the head of the executive body of the payment organization does not meet the requirements established in Article 19 of the Law; 4) if the payment organization within one year from the day of its state registration (re-registration) in the State Corporation "Government for Citizens" did not apply with an application for passing accounting registration. In case of refusal of accounting registration, the legal entity re-submits an application for accounting registration after eliminating the reasons that led to the refusal of accounting registration of the payment organization, or decides to change its name or reorganization or liquidation. Failure to eliminate the reasons that led to the refusal of accounting registration of the payment organization is a ground for refusal of re-consideration.
10.	Other requirements taking into account the specifics of providing the state service	Addresses of places of providing the state service are posted on the portal and on the official internet resource of the service provider: www.nationalbank.kz, section "State Services". The service recipient has access to obtain information on the procedure and status of providing the state service in remote access mode through the Unified Contact Center for State Services. Contact telephone numbers of reference services for providing the state service are posted on the official internet resource of the service provider: www.nationalbank.kz, section "State Services". Unified Contact Center for State Services: 8-800-080-7777, 1414.

Appendix 3 was amended in accordance with Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 182 of 27.08.18 (see previous version); as set out in the wording of Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 221 of 28.11.19 (see previous version); Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 35 of 19.03.20 (see previous version)

Appendix 3
to the Rules for Organizing the Activities of Payment Organizations

Information on shareholders (participants) of the payment organization (for an individual) Form

"NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN" REPUBLICAN STATE INSTITUTION	[pic]	REPUBLICAN STATE INSTITUTION "NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN"
[Details of the authorized body in the state language]		[Details of the authorized body in Russian]
[decision number]		[Name of the service recipient]
[date of issue of decision]		[Details of the service recipient]

The National Bank of the Republic of Kazakhstan, based on the results of consideration of the application ______ name of the service recipient and attached documents in accordance with paragraph 4 of Article 16 of the Law of the Republic of Kazakhstan of 26 July 2016 "On Payments and Payment Systems", notifies of the passing ______ name of the service recipient of accounting registration as a payment organization, assignment of registration number No. ______ and entry in the register of payment organizations. In accordance with subparagraph 4) of paragraph 2 of Article 13 of the Law of the Republic of Kazakhstan of 26 July 2016 "On Payments and Payment Systems", the payment organization ______ name of the service recipient provides the following payment services:
______;
______;

---

[Position of signatory] [Full name of signatory]

Appendix 4 was amended in accordance with Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 182 of 27.08.18 (see previous version); as set out in the wording of Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 221 of 28.11.19 (see previous version); Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 35 of 19.03.20 (see previous version)

Appendix 4
to the Rules for Organizing the Activities of Payment Organizations

Form

Register of payment organizations

No.	Date of registration of the payment organization	Registration number of the payment organization	Name of the payment organization	Surname and initials of the head	Business identification number of the payment organization	Location of the payment organization, telephone, fax, email address, internet resource (if any)	List of provided payment services	Notes
1	2	3	4	5	6	7	8	9

Appendix 5 is set out in the wording of Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 35 of 19.03.20 (see previous version)

Appendix 5
to the Rules for Organizing the Activities of Payment Organizations

Standard of state service
"Issuance of consent for voluntary reorganization (merger, consolidation, division, spin-off, transformation) of payment organizations"

1.	Name of the service provider	National Bank of the Republic of Kazakhstan
2.	Methods of providing the public service	Web portal of the "electronic government" www.egov.kz, www.elicense.kz (hereinafter - the portal); office of the service provider.
3.	Timeframe for providing the public service	Within ten working days from the day of registration of the decision and the complete list of documents.
4.	Form of providing the public service	Electronic (partially automated) and paper.
5.	Result of providing the public service	Notification of the decision made based on the results of the approval or a reasoned response refusing to provide the public service. Form of the result of providing the public service: electronic/paper
6.	Amount of the fee charged from the service recipient when providing the public service, and methods of its collection in cases provided for by the legislation of the Republic of Kazakhstan	The service is provided free of charge.
7.	Work schedule	1) of the service provider - from Monday to Friday from 9:00 to 18:30 with a lunch break from 13:00 to 14:30, except weekends and holidays, in accordance with the labor legislation of the Republic of Kazakhstan. Schedule for accepting documents and issuing results of providing the public service - from Monday to Friday from 9:00 to 17:30 with a lunch break from 13:00 to 14:30; 2) of the portal - around the clock, except for technical breaks due to repair work (when the service recipient applies after the end of working hours, on weekends and holidays, in accordance with the labor legislation of the Republic of Kazakhstan, acceptance of applications and issuance of results of providing the public service is carried out on the next working day).
8.	List of documents required for providing the public service	1) decision on the voluntary reorganization of the payment organization; 2) documents describing the proposed conditions, forms, procedure and terms of the voluntary reorganization of the payment organization; 3) the accession (merger) agreement signed by the heads of the executive bodies of the reorganized payment organizations; 4) audit report in accordance with the legislation of the Republic of Kazakhstan on audit activity; 5) rules for carrying out the activities of the payment organization formed as a result of the voluntary reorganization.
9.	Grounds for refusing to provide the public service established by the legislation of the Republic of Kazakhstan	1) if the head of the executive body of the payment organization formed as a result of the voluntary reorganization does not meet the requirements of Article 19 of the Law of the Republic of Kazakhstan dated 26 July 2016 "On Payments and Payment Systems"; 2) if the voluntary reorganization of payment organizations impedes the exercise of control over the payment services market, and also causes harm to the interests of recipients of payment services.
10.	Other requirements taking into account the specifics of providing the public service	The addresses of the places where the public service is provided are posted on the portal and on the official internet resource of the service provider: www.nationalbank.kz, section "Public Services". The service recipient has access to obtain information on the procedure and status of providing the public service in remote access mode through the Unified Contact Center for Public Service Issues. Contact telephone numbers of reference services for public service issues are posted on the official internet resource of the service provider: www.nationalbank.kz, section "Public Services". Unified Contact Center for Public Service Issues: 8-800-080-7777, 1414.

Appendix 6 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see previous version); as set out in the version of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 28.11.19 No. 221 (see previous version)
Appendix 6
to the Rules for Organizing the Activities of Payment Organizations

Form

National Bank of the Republic of Kazakhstan

Notification of the opening of a branch

---

(name, location and business identification number of the payment organization) hereby notifies of the opening of a branch:

• on the territory of the Republic of Kazakhstan (in case of opening):

---

(name, location and business identification number of the branch of the payment organization) Information about the head:

---

(position, surname, first name, patronymic (if any) List of payment services provided by the branch of the payment organization in accordance with paragraph 3 of the Rules for Organizing the Activities of Payment Organizations:
1) ______;
2) ______;
3) ______

• outside the Republic of Kazakhstan (in case of opening):

---

(name, location of the branch of the payment organization) Information about the head:

---

(position, surname, first name, patronymic (if any) List of payment services provided by the branch of the payment organization in accordance with paragraph 3 of the Rules for Organizing the Activities of Payment Organizations:
1) ______;
2) ______;
3) ______
I confirm that the attached information has been verified by me and is reliable and complete.
I consent to the use of information constituting a legally protected secret contained in information systems.
First head of the payment organization or person authorized to sign ______ ______ surname, first name, patronymic (if any) signature