# 資金決済に関する法律 / Payment Services Act — 第二十条 (Article 20) - 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: 第二十条 (Article 20)（保有者に対する前払式支払手段の払戻し） — address `art-20` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/ja/payment-services-act/art-20 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/421AC0000000059/art-20 - 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. --- ### 第二十条（保有者に対する前払式支払手段の払戻し） — (Refunding Prepaid Payment Instruments to Holders' Accounts) caption: Ministry of Justice translation — Japanese Law Translation Database System art-20 · https://japanlaw.org/ja/payment-services-act/art-20 · https://japanlaw.org/l/421AC0000000059/art-20 **第一項** 前払式支払手段発行者は、次の各号のいずれかに該当するときは、前払式支払手段の保有者に、当該前払式支払手段の残高として内閣府令で定める額を払い戻さなければならない。 art-20/par-1 · https://japanlaw.org/ja/payment-services-act/art-20/par-1 · https://japanlaw.org/l/421AC0000000059/art-20/par-1 If an issuer of prepaid payment instruments falls under any of the following items, the issuer must refund the outstanding balance of those prepaid payment instruments specified by Cabinet Office Order to the holder's account: Ministry of Justice translation — Japanese Law Translation Database System **一** 前払式支払手段の発行の業務の全部又は一部を廃止した場合（相続又は事業譲渡、合併若しくは会社分割その他の事由により当該業務の承継が行われた場合を除く。） art-20/par-1/item-1 · https://japanlaw.org/ja/payment-services-act/art-20/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-20/par-1/item-1 if the issuer of prepaid payment instruments discontinues all or part of the business of issuing prepaid payment instruments (excluding cases where the business has been handed over to the successor due to inheritance, transfer of business, a merger or company split, or for other reasons); Ministry of Justice translation — Japanese Law Translation Database System **二** 当該前払式支払手段発行者が第三者型発行者である場合において、第二十七条第一項又は第二項の規定により第七条の登録を取り消されたとき。 art-20/par-1/item-2 · https://japanlaw.org/ja/payment-services-act/art-20/par-1/item-2 · https://japanlaw.org/l/421AC0000000059/art-20/par-1/item-2 if the issuer of prepaid payment instruments is the issuer of prepaid payment instruments for third-party business, when it has had its registration referred to in Article 7 revoked pursuant to the provisions of Article 27, paragraph (1) or (2); or Ministry of Justice translation — Japanese Law Translation Database System **三** その他内閣府令で定める場合 art-20/par-1/item-3 · https://japanlaw.org/ja/payment-services-act/art-20/par-1/item-3 · https://japanlaw.org/l/421AC0000000059/art-20/par-1/item-3 other cases specified by Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前払式支払手段発行者は、前項の規定により払戻しをしようとする場合には、内閣府令で定めるところにより、次に掲げる事項を公告するとともに、当該事項に関する情報を当該払戻しに係る前払式支払手段の保有者に提供しなければならない。 art-20/par-2 · https://japanlaw.org/ja/payment-services-act/art-20/par-2 · https://japanlaw.org/l/421AC0000000059/art-20/par-2 If an issuer of prepaid payment instruments intends to refund the amount pursuant to the provisions of the preceding paragraph, the issuer must give public notice of the following particulars and provide the information concerning those particulars to the holders of the prepaid payment instruments subject to the refund, pursuant to the provisions of Cabinet Office Order: Ministry of Justice translation — Japanese Law Translation Database System **一** 当該払戻しをする旨 art-20/par-2/item-1 · https://japanlaw.org/ja/payment-services-act/art-20/par-2/item-1 · https://japanlaw.org/l/421AC0000000059/art-20/par-2/item-1 a statement to the effect that the amount will be refunded; Ministry of Justice translation — Japanese Law Translation Database System **二** 当該払戻しに係る前払式支払手段の保有者は、六十日を下らない一定の期間内に債権の申出をすべきこと。 art-20/par-2/item-2 · https://japanlaw.org/ja/payment-services-act/art-20/par-2/item-2 · https://japanlaw.org/l/421AC0000000059/art-20/par-2/item-2 a statement to the effect that the holders of the prepaid payment instruments subject to the refund must file a request for claims within a certain period of not less than sixty days; Ministry of Justice translation — Japanese Law Translation Database System **三** 前号の期間内に債権の申出をしない前払式支払手段の保有者は、当該払戻しの手続から除斥されるべきこと。 art-20/par-2/item-3 · https://japanlaw.org/ja/payment-services-act/art-20/par-2/item-3 · https://japanlaw.org/l/421AC0000000059/art-20/par-2/item-3 a statement to the effect that the holders of the prepaid payment instruments who fail to file a request for claims within the period referred to in the preceding item must be excluded from the procedure for the refund; and Ministry of Justice translation — Japanese Law Translation Database System **四** その他内閣府令で定める事項 art-20/par-2/item-4 · https://japanlaw.org/ja/payment-services-act/art-20/par-2/item-4 · https://japanlaw.org/l/421AC0000000059/art-20/par-2/item-4 other particulars specified by Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 会社法（平成十七年法律第八十六号）第九百四十条第一項（第三号に係る部分に限る。）及び第三項の規定は、前払式支払手段発行者（会社に限る。）が電子公告（同法第二条第三十四号に規定する電子公告をいう。次項において同じ。）により前項の規定による公告をする場合について準用する。この場合において、必要な技術的読替えは、政令で定める。 art-20/par-3 · https://japanlaw.org/ja/payment-services-act/art-20/par-3 · https://japanlaw.org/l/421AC0000000059/art-20/par-3 The provisions of Article 940, paragraph (1) (limited to the part pertaining to item (iii)) and Article 940, paragraph (3) of the Companies Act (Act No. 86 of 2005) apply mutatis mutandis to cases where an issuer of prepaid payment instruments (limited to companies) gives public notice under the preceding paragraph by way of electronic public notice (meaning electronic public notice specified in Article 2, item (xxxiv) of that Act; the same applies in the following paragraph). In this case, any necessary technical replacement of terms is specified by Cabinet Order. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 会社法第九百四十条第一項（第三号に係る部分に限る。）及び第三項、第九百四十一条、第九百四十六条、第九百四十七条、第九百五十一条第二項、第九百五十三条並びに第九百五十五条の規定は、前払式支払手段発行者（外国会社に限る。）が電子公告により第二項の規定による公告をする場合について準用する。この場合において、必要な技術的読替えは、政令で定める。 art-20/par-4 · https://japanlaw.org/ja/payment-services-act/art-20/par-4 · https://japanlaw.org/l/421AC0000000059/art-20/par-4 The provisions of Article 940, paragraph (1) (limited to the part pertaining to item (iii)) and Article 940, paragraph (3), Article 941, Article 946, Article 947, Article 951, paragraph (2), Article 953, and Article 955 of the Companies Act apply mutatis mutandis to cases where an issuer of prepaid payment instruments (limited to foreign companies) gives public notice under paragraph (2) by way of electronic public notice. In this case, any necessary technical replacement of terms is specified by Cabinet Order. Ministry of Justice translation — Japanese Law Translation Database System **第五項** 前払式支払手段発行者は、第一項各号に掲げる場合を除き、その発行する前払式支払手段について、保有者に払戻しをしてはならない。ただし、払戻金額が少額である場合その他の前払式支払手段の発行の業務の健全な運営に支障が生ずるおそれがない場合として内閣府令で定める場合は、この限りでない。 art-20/par-5 · https://japanlaw.org/ja/payment-services-act/art-20/par-5 · https://japanlaw.org/l/421AC0000000059/art-20/par-5 An issuer of prepaid payment instruments must not refund any amount with regard to the prepaid payment instruments that it issues to the holders thereof except in cases set forth in the items of paragraph (1); provided, however, that this does not apply to cases where the amount to be refunded is small or other cases where the sound management of the business of issuing prepaid payment instruments is not hindered, as specified by Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-20/par-1/item-2: 第二十七条第一項 → 資金決済に関する法律 第二十七条第一項 (Article 27, paragraph (1)), art-27/par-1 — https://japanlaw.org/ja/payment-services-act/art-27/par-1 · https://japanlaw.org/l/421AC0000000059/art-27/par-1 - art-20/par-1/item-2: 第二項 → 資金決済に関する法律 第二十七条第二項 (Article 27, paragraph (2)), art-27/par-2 — https://japanlaw.org/ja/payment-services-act/art-27/par-2 · https://japanlaw.org/l/421AC0000000059/art-27/par-2 - art-20/par-1/item-2: 第七条 → 資金決済に関する法律 第七条 (Article 7), art-7 — https://japanlaw.org/ja/payment-services-act/art-7 · https://japanlaw.org/l/421AC0000000059/art-7 - art-20/par-2: 前項 → 資金決済に関する法律 第二十条第一項 (Article 20, paragraph (1)), art-20/par-1 — https://japanlaw.org/ja/payment-services-act/art-20/par-1 · https://japanlaw.org/l/421AC0000000059/art-20/par-1 - art-20/par-2/item-3: 前号 → 資金決済に関する法律 第二十条第二項第二号 (Article 20, paragraph (2), item (ii)), art-20/par-2/item-2 — https://japanlaw.org/ja/payment-services-act/art-20/par-2/item-2 · https://japanlaw.org/l/421AC0000000059/art-20/par-2/item-2 - art-20/par-3: 会社法（平成十七年法律第八十六号）第九百四十条第一項 → 会社法 第九百四十条第一項 (Article 940, paragraph (1)), art-940/par-1 — https://japanlaw.org/ja/companies-act/art-940/par-1 · https://japanlaw.org/l/417AC0000000086/art-940/par-1 - art-20/par-3: 第三号 → 会社法 第九百四十条第一項第三号 (Article 940, paragraph (1), item (iii)), art-940/par-1/item-3 — https://japanlaw.org/ja/companies-act/art-940/par-1/item-3 · https://japanlaw.org/l/417AC0000000086/art-940/par-1/item-3 - art-20/par-3: 第三項 → 会社法 第九百四十条第三項 (Article 940, paragraph (3)), art-940/par-3 — https://japanlaw.org/ja/companies-act/art-940/par-3 · https://japanlaw.org/l/417AC0000000086/art-940/par-3 - art-20/par-3: 同法第二条第三十四号 → 会社法 第二条第一項第三十四号 (Article 2, paragraph (1), item (xxxiv)), art-2/par-1/item-34 — https://japanlaw.org/ja/companies-act/art-2/par-1/item-34 · https://japanlaw.org/l/417AC0000000086/art-2/par-1/item-34 - art-20/par-3: 次項 → 資金決済に関する法律 第二十条第四項 (Article 20, paragraph (4)), art-20/par-4 — https://japanlaw.org/ja/payment-services-act/art-20/par-4 · https://japanlaw.org/l/421AC0000000059/art-20/par-4 - art-20/par-3: 前項 → 資金決済に関する法律 第二十条第二項 (Article 20, paragraph (2)), art-20/par-2 — https://japanlaw.org/ja/payment-services-act/art-20/par-2 · https://japanlaw.org/l/421AC0000000059/art-20/par-2 - art-20/par-4: 会社法第九百四十条第一項 → 会社法 第九百四十条第一項 (Article 940, paragraph (1)), art-940/par-1 — https://japanlaw.org/ja/companies-act/art-940/par-1 · https://japanlaw.org/l/417AC0000000086/art-940/par-1 - art-20/par-4: 第三号 → 会社法 第九百四十条第一項第三号 (Article 940, paragraph (1), item (iii)), art-940/par-1/item-3 — https://japanlaw.org/ja/companies-act/art-940/par-1/item-3 · https://japanlaw.org/l/417AC0000000086/art-940/par-1/item-3 - art-20/par-4: 第三項 → 会社法 第九百四十条第三項 (Article 940, paragraph (3)), art-940/par-3 — https://japanlaw.org/ja/companies-act/art-940/par-3 · https://japanlaw.org/l/417AC0000000086/art-940/par-3 - art-20/par-4: 第九百四十一条 → 会社法 第九百四十一条 (Article 941), art-941 — https://japanlaw.org/ja/companies-act/art-941 · https://japanlaw.org/l/417AC0000000086/art-941 - art-20/par-4: 第九百四十六条 → 会社法 第九百四十六条 (Article 946), art-946 — https://japanlaw.org/ja/companies-act/art-946 · https://japanlaw.org/l/417AC0000000086/art-946 - art-20/par-4: 第九百四十七条 → 会社法 第九百四十七条 (Article 947), art-947 — https://japanlaw.org/ja/companies-act/art-947 · https://japanlaw.org/l/417AC0000000086/art-947 - art-20/par-4: 第九百五十一条第二項 → 会社法 第九百五十一条第二項 (Article 951, paragraph (2)), art-951/par-2 — https://japanlaw.org/ja/companies-act/art-951/par-2 · https://japanlaw.org/l/417AC0000000086/art-951/par-2 - art-20/par-4: 第九百五十三条 → 会社法 第九百五十三条 (Article 953), art-953 — https://japanlaw.org/ja/companies-act/art-953 · https://japanlaw.org/l/417AC0000000086/art-953 - art-20/par-4: 第九百五十五条 → 会社法 第九百五十五条 (Article 955), art-955 — https://japanlaw.org/ja/companies-act/art-955 · https://japanlaw.org/l/417AC0000000086/art-955 - art-20/par-4: 第二項 → 資金決済に関する法律 第二十条第二項 (Article 20, paragraph (2)), art-20/par-2 — https://japanlaw.org/ja/payment-services-act/art-20/par-2 · https://japanlaw.org/l/421AC0000000059/art-20/par-2 - art-20/par-5: 第一項 → 資金決済に関する法律 第二十条第一項 (Article 20, paragraph (1)), art-20/par-1 — https://japanlaw.org/ja/payment-services-act/art-20/par-1 · https://japanlaw.org/l/421AC0000000059/art-20/par-1 ## Cited by 13 provisions cite this one. No official source publishes this direction. - 会社法 第九百四十三条第一項第一号（欠格事由） — https://japanlaw.org/ja/companies-act/art-943/par-1/item-1 · https://japanlaw.org/l/417AC0000000086/art-943/par-1/item-1 - 資金決済に関する法律 第三条第六項（定義） — https://japanlaw.org/ja/payment-services-act/art-3/par-6 · https://japanlaw.org/l/421AC0000000059/art-3/par-6 - 資金決済に関する法律 第十四条第二項（発行保証金の供託） — https://japanlaw.org/ja/payment-services-act/art-14/par-2 · https://japanlaw.org/l/421AC0000000059/art-14/par-2 - 資金決済に関する法律 第二十条第二項（保有者に対する前払式支払手段の払戻し） — https://japanlaw.org/ja/payment-services-act/art-20/par-2 · https://japanlaw.org/l/421AC0000000059/art-20/par-2 - 資金決済に関する法律 第二十条第二項第三号（保有者に対する前払式支払手段の払戻し） — https://japanlaw.org/ja/payment-services-act/art-20/par-2/item-3 · https://japanlaw.org/l/421AC0000000059/art-20/par-2/item-3 - 資金決済に関する法律 第二十条第三項（保有者に対する前払式支払手段の払戻し） — https://japanlaw.org/ja/payment-services-act/art-20/par-3 · https://japanlaw.org/l/421AC0000000059/art-20/par-3 - 資金決済に関する法律 第二十条第四項（保有者に対する前払式支払手段の払戻し） — https://japanlaw.org/ja/payment-services-act/art-20/par-4 · https://japanlaw.org/l/421AC0000000059/art-20/par-4 - 資金決済に関する法律 第二十条第五項（保有者に対する前払式支払手段の払戻し） — https://japanlaw.org/ja/payment-services-act/art-20/par-5 · https://japanlaw.org/l/421AC0000000059/art-20/par-5 - 資金決済に関する法律 第百九条第一項第一号 — https://japanlaw.org/ja/payment-services-act/art-109/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-109/par-1/item-1 - 資金決済に関する法律 第百十四条第一項第三号 — https://japanlaw.org/ja/payment-services-act/art-114/par-1/item-3 · https://japanlaw.org/l/421AC0000000059/art-114/par-1/item-3 - 資金決済に関する法律 第百十六条第一項第一号 — https://japanlaw.org/ja/payment-services-act/art-116/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-116/par-1/item-1 - 資金決済に関する法律 第百十六条第一項第二号 — https://japanlaw.org/ja/payment-services-act/art-116/par-1/item-2 · https://japanlaw.org/l/421AC0000000059/art-116/par-1/item-2 - 資金決済に関する法律 第百十六条第一項第三号 — https://japanlaw.org/ja/payment-services-act/art-116/par-1/item-3 · https://japanlaw.org/l/421AC0000000059/art-116/par-1/item-3 --- ## 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 - 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