# 資金決済に関する法律 / Payment Services Act — 第六十六条 (Article 66)

- Law: 資金決済に関する法律 (Payment Services Act), 平成二十一年法律第五十九号
- English title "Payment Services Act": Ministry of Justice translation
- Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say.
- Provision: 第六十六条 (Article 66)（免許の基準） — address `art-66`
- Text in force since: 2026-08-12
- URL (the page that opens at this provision): https://japanlaw.org/en/payment-services-act/art-66
- Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/421AC0000000059/art-66
- Every provision below carries its address and both URLs on the line under it.
- Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below.

Only the Japanese as published by the government has legal effect; the text
below is a copy of it. Every English rendering below is a translation and
says which kind: the Ministry of Justice's translation, or this
site's machine translation, whose model and date the Sources list names.
They are never merged and never substituted for one another.

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### 第六十六条（免許の基準） — (Criteria for Granting a License)
<sup>caption: Ministry of Justice translation — Japanese Law Translation Database System</sup>
<sup>art-66 · https://japanlaw.org/en/payment-services-act/art-66 · https://japanlaw.org/l/421AC0000000059/art-66</sup>

  **第一項**  内閣総理大臣は、第六十四条第一項の免許の申請があったときは、その申請が次に掲げる基準に適合するかどうかを審査しなければならない。
  <sup>art-66/par-1 · https://japanlaw.org/en/payment-services-act/art-66/par-1 · https://japanlaw.org/l/421AC0000000059/art-66/par-1</sup>
  When an application for license referred to in Article 64, paragraph (1) is filed, the Prime Minister must examine whether the application conforms to the following criteria:
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **一**  定款及び業務方法書の規定が法令に適合し、かつ、資金清算業を適正かつ確実に遂行するために十分であること。
    <sup>art-66/par-1/item-1 · https://japanlaw.org/en/payment-services-act/art-66/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-66/par-1/item-1</sup>
    the provisions of the articles of incorporation and the business rules conform to the laws and regulations, and are sufficient for the provision of the clearing services for interbank funds transfer in a proper and steady manner;
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **二**  資金清算業を健全に遂行するに足りる財産的基礎を有し、かつ、資金清算業に係る収支の見込みが良好であること。
    <sup>art-66/par-1/item-2 · https://japanlaw.org/en/payment-services-act/art-66/par-1/item-2 · https://japanlaw.org/l/421AC0000000059/art-66/par-1/item-2</sup>
    the applicant has sufficient financial foundation for the sound operation of the clearing services for interbank funds transfer and has favorable prospects for income and expenditure pertaining to the clearing services for interbank funds transfer; and
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **三**  その人的構成に照らして、資金清算業を適正かつ確実に遂行することができる知識及び経験を有し、かつ、十分な社会的信用を有すること。
    <sup>art-66/par-1/item-3 · https://japanlaw.org/en/payment-services-act/art-66/par-1/item-3 · https://japanlaw.org/l/421AC0000000059/art-66/par-1/item-3</sup>
    the applicant has, in light of its personnel structures, the knowledge and experience necessary for the provision of the clearing services for interbank funds transfer in a proper and steady manner and has sufficient social credibility.
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **第二項**  内閣総理大臣は、免許申請者が次の各号のいずれかに該当するとき、又は免許申請書若しくはその添付書類のうちに虚偽の記載があり、若しくは重要な事実の記載が欠けているときは、免許を与えてはならない。
  <sup>art-66/par-2 · https://japanlaw.org/en/payment-services-act/art-66/par-2 · https://japanlaw.org/l/421AC0000000059/art-66/par-2</sup>
  The Prime Minister must not grant a license when an applicant for a license falls under any of the following items, or a written application for license or its accompanying documents contain a false statement or lack a statement about important particulars:
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **一**  株式会社又は一般社団法人（これらの者が次に掲げる機関を置く場合に限る。）でないもの
    <sup>art-66/par-2/item-1 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-1 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-1</sup>
    a person who is not a stock company or a general incorporated association (limited to a stock company or a general incorporated association which formed any of the following bodies):
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **イ**  取締役会又は理事会
      <sup>art-66/par-2/item-1/sub-1 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-1/sub-1 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-1/sub-1</sup>
      board of company directors or council;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ロ**  監査役、監査等委員会若しくは指名委員会等又は監事
      <sup>art-66/par-2/item-1/sub-2 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-1/sub-2 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-1/sub-2</sup>
      company auditors, an audit and supervisory committee or a nominating committee, etc. or auditors; or
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ハ**  会計監査人
      <sup>art-66/par-2/item-1/sub-3 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-1/sub-3 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-1/sub-3</sup>
      accounting auditors;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **二**  第五十六条第一項若しくは第二項の規定により第三十七条の登録を取り消され、第六十二条の二十二第一項若しくは第二項の規定により第六十二条の三の登録を取り消され、第六十三条の三十七第一項若しくは第二項の規定により第六十三条の二十三の許可を取り消され、若しくは第八十二条第一項若しくは第二項の規定により第六十四条第一項の免許を取り消され、又はこの法律若しくは銀行法等に相当する外国の法令の規定により当該外国において受けている同種類の登録、許可若しくは免許（当該登録、許可又は免許に類するその他の行政処分を含む。）を取り消され、その取消しの日から五年を経過しない法人
    <sup>art-66/par-2/item-2 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-2 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-2</sup>
    a corporation which had its registration referred to in Article 37 revoked pursuant to the provisions of Article 56, paragraph (1) or (2), had its registration referred to in Article 62-3 revoked pursuant to the provisions of Article 62-22, paragraph (1) or (2), had the permission referred to in Article 63-23 revoked pursuant to the provisions of Article 63-37, paragraph (1) or (2), had its license referred to in Article 64, paragraph (1) revoked pursuant to the provisions of Article 82, paragraph (1) or (2), or had the registration, permission or license of the same type in a foreign state (including other administrative dispositions similar to the registration, permission or license) revoked pursuant to the provisions of laws and regulations of the foreign state equivalent to this Act or the Banking Act, etc., and for which five years have not elapsed from the date of the revocation;
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **三**  第三十七条の二第二項の規定により読み替えて適用する第五十六条第一項の規定による特定資金移動業の廃止の命令を受け、若しくは第六十二条の八第二項の規定により読み替えて適用する第六十二条の二十二第一項の規定による電子決済手段等取引業の廃止の命令を受け、又はこの法律若しくは銀行法等に相当する外国の法令の規定によるこれらの業務と同種類の業務の廃止の命令を受け、これらの命令の日から五年を経過しない法人
    <sup>art-66/par-2/item-3 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-3 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-3</sup>
    a corporation which received an order to discontinue specified funds transfer services pursuant to the provisions of Article 56, paragraph (1) as applied pursuant to Article 37-2, paragraph (2) following the deemed replacement of terms, received an order to discontinue electronic payment instruments services pursuant to the provisions of Article 62-22, paragraph (1) as applied pursuant to Article 62-8, paragraph (2) following the deemed replacement of terms, or received an order to discontinue the same type of services as these services pursuant to the provisions of laws and regulations of a foreign state that are equivalent to this Act or the Banking Act, etc., and for which five years have not elapsed from the date of the order;
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **四**  この法律若しくは銀行法等又はこれらに相当する外国の法令の規定に違反し、罰金の刑（これに相当する外国の法令による刑を含む。）に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない法人
    <sup>art-66/par-2/item-4 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-4 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-4</sup>
    a corporation which has been punished by a fine (including a punishment pursuant to laws and regulations of a foreign state equivalent to this) for violating the provisions of this Act, the Banking Act, or laws and regulations of a foreign state equivalent thereto, and for which five years have not elapsed from the day on which the execution of the sentence ended or from the day on which the sentence ceased to be executed;
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **五**  取締役等のうちに次のいずれかに該当する者のある法人
    <sup>art-66/par-2/item-5 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-5 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-5</sup>
    a corporation which employs a company director, etc. falling under any of the following items:
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **イ**  心身の故障のため職務を適正に執行することができない者として内閣府令で定める者
      <sup>art-66/par-2/item-5/sub-1 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-5/sub-1 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-5/sub-1</sup>
      a person specified by Cabinet Office Order as being unable to properly perform their duties due to a mental or physical disorder;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ロ**  破産手続開始の決定を受けて復権を得ない者又は外国の法令上これに相当する者
      <sup>art-66/par-2/item-5/sub-2 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-5/sub-2 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-5/sub-2</sup>
      a person who has not had their rights restored after receiving an order to commence bankruptcy proceedings, or a person equivalent thereto pursuant to laws and regulations of a foreign state;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ハ**  拘禁刑以上の刑（これに相当する外国の法令による刑を含む。）に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない者
      <sup>art-66/par-2/item-5/sub-3 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-5/sub-3 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-5/sub-3</sup>
      a person who has been sentenced to imprisonment or a heavier punishment (including equivalent punishment pursuant to laws and regulations of a foreign state), and for whom five years have not elapsed from the day on which the execution of the sentence ended or from the day on which the sentence ceased to be executed;
      <sup>machine translation, not official</sup>

      **ニ**  この法律、銀行法等、出資の受入れ、預り金及び金利等の取締りに関する法律若しくは暴力団員による不当な行為の防止等に関する法律又はこれらに相当する外国の法令の規定に違反し、罰金の刑（これに相当する外国の法令による刑を含む。）に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない者
      <sup>art-66/par-2/item-5/sub-4 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-5/sub-4 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-5/sub-4</sup>
      a person who has been punished by a fine (including a punishment under laws and regulations of a foreign state equivalent to this) for violating the provisions of this Act, the Banking Act, etc., the Act Regulating the Receipt of Contributions, the Receipt of Deposits, and Interest Rates, the Act on Prevention of Unjust Acts by Organized Crime Group Members or laws and regulations of a foreign state equivalent thereto, and for whom five years have not elapsed from the day on which the execution of the sentence ended or from the day on which the sentence ceased to be executed;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ホ**  資金清算機関が第八十二条第一項若しくは第二項の規定により第六十四条第一項の免許を取り消された場合又は法人がこの法律に相当する外国の法令の規定により当該外国において受けている同種類の免許若しくは登録（当該免許又は登録に類するその他の行政処分を含む。）を取り消された場合において、その取消しの日前三十日以内にその法人の取締役等であった者で、当該取消しの日から五年を経過しない者その他これに準ずるものとして政令で定める者
      <sup>art-66/par-2/item-5/sub-5 · https://japanlaw.org/en/payment-services-act/art-66/par-2/item-5/sub-5 · https://japanlaw.org/l/421AC0000000059/art-66/par-2/item-5/sub-5</sup>
      if a clearing institution for interbank funds transfer had its license referred to in Article 64, paragraph (1) revoked pursuant to the provisions of Article 82, paragraph (1) or (2) or a corporation had its license or registration (including other administrative dispositions similar to the license or registration) of the same kind revoked in a foreign state pursuant to the provisions of laws and regulations of the foreign state equivalent to this Act, a person who had been a company director, etc. of the corporation at any time during the thirty days prior to the date of the revocation and for whom five years have not passed from the relevant date or a person specified by Cabinet Order as similar thereto.
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

---

## Cites
- art-66/par-1: 第六十四条第一項 → 資金決済に関する法律 第六十四条第一項 (Article 64, paragraph (1)), art-64/par-1 — https://japanlaw.org/en/payment-services-act/art-64/par-1 · https://japanlaw.org/l/421AC0000000059/art-64/par-1
- art-66/par-2/item-2: 第五十六条第一項 → 資金決済に関する法律 第五十六条第一項 (Article 56, paragraph (1)), art-56/par-1 — https://japanlaw.org/en/payment-services-act/art-56/par-1 · https://japanlaw.org/l/421AC0000000059/art-56/par-1
- art-66/par-2/item-2: 第二項 → 資金決済に関する法律 第五十六条第二項 (Article 56, paragraph (2)), art-56/par-2 — https://japanlaw.org/en/payment-services-act/art-56/par-2 · https://japanlaw.org/l/421AC0000000059/art-56/par-2
- art-66/par-2/item-2: 第三十七条 → 資金決済に関する法律 第三十七条 (Article 37), art-37 — https://japanlaw.org/en/payment-services-act/art-37 · https://japanlaw.org/l/421AC0000000059/art-37
- art-66/par-2/item-2: 第六十二条の二十二第一項 → 資金決済に関する法律 第六十二条の二十二第一項 (Article 62-22, paragraph (1)), art-62-22/par-1 — https://japanlaw.org/en/payment-services-act/art-62-22/par-1 · https://japanlaw.org/l/421AC0000000059/art-62-22/par-1
- art-66/par-2/item-2: 第二項 → 資金決済に関する法律 第六十二条の二十二第二項 (Article 62-22, paragraph (2)), art-62-22/par-2 — https://japanlaw.org/en/payment-services-act/art-62-22/par-2 · https://japanlaw.org/l/421AC0000000059/art-62-22/par-2
- art-66/par-2/item-2: 第六十二条の三 → 資金決済に関する法律 第六十二条の三 (Article 62-3), art-62-3 — https://japanlaw.org/en/payment-services-act/art-62-3 · https://japanlaw.org/l/421AC0000000059/art-62-3
- art-66/par-2/item-2: 第六十三条の三十七第一項 → 資金決済に関する法律 第六十三条の三十七第一項 (Article 63-37, paragraph (1)), art-63-37/par-1 — https://japanlaw.org/en/payment-services-act/art-63-37/par-1 · https://japanlaw.org/l/421AC0000000059/art-63-37/par-1
- art-66/par-2/item-2: 第二項 → 資金決済に関する法律 第六十三条の三十七第二項 (Article 63-37, paragraph (2)), art-63-37/par-2 — https://japanlaw.org/en/payment-services-act/art-63-37/par-2 · https://japanlaw.org/l/421AC0000000059/art-63-37/par-2
- art-66/par-2/item-2: 第六十三条の二十三 → 資金決済に関する法律 第六十三条の二十三 (Article 63-23), art-63-23 — https://japanlaw.org/en/payment-services-act/art-63-23 · https://japanlaw.org/l/421AC0000000059/art-63-23
- art-66/par-2/item-2: 第八十二条第一項 → 資金決済に関する法律 第八十二条第一項 (Article 82, paragraph (1)), art-82/par-1 — https://japanlaw.org/en/payment-services-act/art-82/par-1 · https://japanlaw.org/l/421AC0000000059/art-82/par-1
- art-66/par-2/item-2: 第二項 → 資金決済に関する法律 第八十二条第二項 (Article 82, paragraph (2)), art-82/par-2 — https://japanlaw.org/en/payment-services-act/art-82/par-2 · https://japanlaw.org/l/421AC0000000059/art-82/par-2
- art-66/par-2/item-2: 第六十四条第一項 → 資金決済に関する法律 第六十四条第一項 (Article 64, paragraph (1)), art-64/par-1 — https://japanlaw.org/en/payment-services-act/art-64/par-1 · https://japanlaw.org/l/421AC0000000059/art-64/par-1
- art-66/par-2/item-3: 第三十七条の二第二項 → 資金決済に関する法律 第三十七条の二第二項 (Article 37-2, paragraph (2)), art-37-2/par-2 — https://japanlaw.org/en/payment-services-act/art-37-2/par-2 · https://japanlaw.org/l/421AC0000000059/art-37-2/par-2
- art-66/par-2/item-3: 第五十六条第一項 → 資金決済に関する法律 第五十六条第一項 (Article 56, paragraph (1)), art-56/par-1 — https://japanlaw.org/en/payment-services-act/art-56/par-1 · https://japanlaw.org/l/421AC0000000059/art-56/par-1
- art-66/par-2/item-3: 第六十二条の八第二項 → 資金決済に関する法律 第六十二条の八第二項 (Article 62-8, paragraph (2)), art-62-8/par-2 — https://japanlaw.org/en/payment-services-act/art-62-8/par-2 · https://japanlaw.org/l/421AC0000000059/art-62-8/par-2
- art-66/par-2/item-3: 第六十二条の二十二第一項 → 資金決済に関する法律 第六十二条の二十二第一項 (Article 62-22, paragraph (1)), art-62-22/par-1 — https://japanlaw.org/en/payment-services-act/art-62-22/par-1 · https://japanlaw.org/l/421AC0000000059/art-62-22/par-1
- art-66/par-2/item-5/sub-5: 第八十二条第一項 → 資金決済に関する法律 第八十二条第一項 (Article 82, paragraph (1)), art-82/par-1 — https://japanlaw.org/en/payment-services-act/art-82/par-1 · https://japanlaw.org/l/421AC0000000059/art-82/par-1
- art-66/par-2/item-5/sub-5: 第二項 → 資金決済に関する法律 第八十二条第二項 (Article 82, paragraph (2)), art-82/par-2 — https://japanlaw.org/en/payment-services-act/art-82/par-2 · https://japanlaw.org/l/421AC0000000059/art-82/par-2
- art-66/par-2/item-5/sub-5: 第六十四条第一項 → 資金決済に関する法律 第六十四条第一項 (Article 64, paragraph (1)), art-64/par-1 — https://japanlaw.org/en/payment-services-act/art-64/par-1 · https://japanlaw.org/l/421AC0000000059/art-64/par-1

## Cited by

4 provisions cite this one. No official source publishes this direction.

- 資金決済に関する法律 第六十三条の二十五第二項第一号ロ（許可の基準） — https://japanlaw.org/en/payment-services-act/art-63-25/par-2/item-1/sub-2 · https://japanlaw.org/l/421AC0000000059/art-63-25/par-2/item-1/sub-2
- 資金決済に関する法律 第六十五条第二項第一号（免許の申請） — https://japanlaw.org/en/payment-services-act/art-65/par-2/item-1 · https://japanlaw.org/l/421AC0000000059/art-65/par-2/item-1
- 資金決済に関する法律 第六十七条第一項（取締役等の欠格事由等） — https://japanlaw.org/en/payment-services-act/art-67/par-1 · https://japanlaw.org/l/421AC0000000059/art-67/par-1
- 資金決済に関する法律 第八十二条第一項（免許の取消し等） — https://japanlaw.org/en/payment-services-act/art-82/par-1 · https://japanlaw.org/l/421AC0000000059/art-82/par-1

---

## Sources

- e-Gov 法令検索, Digital Agency (デジタル庁) — 資金決済に関する法律 — the text in force from 2026-08-12 (https://laws.e-gov.go.jp/law/421AC0000000059/20260812_508AC0000000064), retrieved 2026-10-12
- Japanese Law Translation Database System, Ministry of Justice (法務省) — Payment Services Act — Ministry of Justice translation (https://www.japaneselawtranslation.go.jp/en/laws/view/4477/tb), retrieved 2026-10-12
- claude-sonnet-5-5 — Machine translation, batch payment-services-act-20261012T054915-008, translated 2026-10-12
- This site's parser, version 189 — 資金決済に関する法律 — structure, counts, cross-references and defined terms, computed 2026-10-12