c. Electronic Payment Services include "electronic remittance instruction services," which are provided by a 19 Equivalent regulations exist for non-bank depositary financial institutions, but we will not cover those herein. The amount that can be transferred to another account exceeds a certain amount (i.e., Either the amount of one transfer exceeds 100,000 yen, or the total amount of transfers per month exceeds 300,000 yen) b) Number notification type (one that allows electronic transfers of value by notification of a number, etc. that is a prepaid payment instrument outside the mechanism managed by the issuer) The amount that can be topped-up to an account by prepaid payment instrument that can be notified by e-mail, etc. (ID No., etc.) exceeds a certain amount (i.e., Either the amount per top-up exceeds 100,000 yen, or the total amount per month exceeds 300,000 yen) c) Prepaid payment instrument that is correspondingly similar to (b) above (assuming international branded prepaid payment instruments) The amount that can be topped-up to an account / amount of use exceeds a certain amount (i.e.: Both the total amount per month, and the total amount of use per month exceed 300,000 yen) * However, even if any of the requirements for (a) through (c) is met, those for which the maximum unpaid balance of an account is below a certain amount (i.e., 300,000 yen or less) do not fall under the definition of a large-amount electronically transferable prepaid payment instrument. service provider which receives remittance instructions online and relays the instructions to the customer's bank on behalf of the customer, and "account information retrieval services," which are provided by a service provider which is engaged by the customer to obtain account information from the bank and provide it to the customer online. The former type includes real-time bank transfer services offered by cloud accounting services, and the latter includes personal finance management (PFM) and cloud accounting services. Conducting these acts as a business requires registration as an Electronic Payment Services Provider under the Banking Act (Article 2(22) and Article 52-61-2 of the amended Banking Act; for activities that do not constitute electronic payment services, see Article 1-3-3(1) of the Regulation for Enforcement of the Banking Act) 19. Electronic Payment Services 44
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