# 資金決済に関する法律 / Payment Services Act — 第四十三条 (Article 43) - 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: 第四十三条 (Article 43)（履行保証金の供託） — address `art-43` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/ja/payment-services-act/art-43 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/421AC0000000059/art-43 - 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. --- ### 第四十三条（履行保証金の供託） — (Making Security Deposits for Providing Funds Transfer Services) caption: Ministry of Justice translation — Japanese Law Translation Database System art-43 · https://japanlaw.org/ja/payment-services-act/art-43 · https://japanlaw.org/l/421AC0000000059/art-43 **第一項** 資金移動業者は、次の各号に掲げる資金移動業の種別に応じ、当該各号に定めるところにより、資金移動業の種別ごとに履行保証金をその本店（外国資金移動業者である資金移動業者にあっては、国内における主たる営業所。第四十八条において同じ。）の最寄りの供託所に供託しなければならない。 art-43/par-1 · https://japanlaw.org/ja/payment-services-act/art-43/par-1 · https://japanlaw.org/l/421AC0000000059/art-43/par-1 A funds transfer service provider must make security deposits for providing funds transfer services to the official depository nearest to its head office (in cases of a funds transfer service provider that is a foreign funds transfer service provider, its principal business office in Japan; the same applies in Article 48) for each category of funds transfer services set forth in the following items as specified therein in accordance with the category of funds transfer service: Ministry of Justice translation — Japanese Law Translation Database System **一** 第一種資金移動業　各営業日における第一種資金移動業に係る要履行保証額以上の額に相当する額の履行保証金を、当該各営業日から一週間以内で内閣府令で定める期間内において資金移動業者が定める期間内に供託すること。 art-43/par-1/item-1 · https://japanlaw.org/ja/payment-services-act/art-43/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-43/par-1/item-1 type I funds transfer services:make security deposits in an amount equivalent to an amount not less than the amount required for security deposit for providing funds transfer services as of each business day during a period set by the funds transfer service provider within the period specified by Cabinet Office Order not exceeding one week from the relevant business day; or Ministry of Justice translation — Japanese Law Translation Database System **二** 第二種資金移動業又は第三種資金移動業　一週間以内で資金移動業の種別ごとに資金移動業者が定める期間ごとに、当該期間における第二種資金移動業又は第三種資金移動業に係る要履行保証額の最高額以上の額に相当する額の履行保証金を、当該期間の末日（第四十五条の二第四項及び第五項並びに第四十七条第一号において「基準日」という。）から一週間以内で内閣府令で定める期間内において資金移動業の種別ごとに資金移動業者が定める期間内に供託すること。 art-43/par-1/item-2 · https://japanlaw.org/ja/payment-services-act/art-43/par-1/item-2 · https://japanlaw.org/l/421AC0000000059/art-43/par-1/item-2 type II funds transfer services or type III funds transfer services:make security deposits in an amount equivalent to an amount not less than the maximum amount of the amount required for security deposit for providing funds transfer services pertaining to type II funds transfer services or type III funds transfer services during a period not exceeding one week set by the funds transfer service provider for each category of funds transfer services, for the respective periods, during a period set by the funds transfer service provider within the period specified by Cabinet Office Order not exceeding one week from the last day of the former period (referred to as the "Base Date" in Article 45-2, paragraphs (4) and (5) and Article 47, item (i)). Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項各号の「要履行保証額」とは、資金移動業の種別ごとの各営業日における未達債務の額（資金移動業者がその行う為替取引に関し負担する債務の額であって内閣府令で定めるところにより算出した額をいう。以下この章において同じ。）と第五十九条第一項の権利の実行の手続に関する費用の額として内閣府令で定めるところにより算出した額の合計額（第四十五条の二第一項の規定の適用を受けている資金移動業者が営む第三種資金移動業にあっては、第三種資金移動業に係る各営業日における未達債務の額から当該各営業日における未達債務の額に同項に規定する預貯金等管理割合を乗じて得た額を控除した額と第五十九条第一項の権利の実行の手続に関する費用の額として内閣府令で定めるところにより算出した額の合計額）をいう。ただし、当該合計額が小規模な資金移動業者がその行う為替取引に関し負担する債務の履行を確保するために必要な額として政令で定める額以下である場合には、当該政令で定める額とする。 art-43/par-2 · https://japanlaw.org/ja/payment-services-act/art-43/par-2 · https://japanlaw.org/l/421AC0000000059/art-43/par-2 The term "amount required for security deposit for providing funds transfer services" as used in the items of the preceding paragraph means the total amount of outstanding obligations in the process of being transferred (meaning an amount, calculated pursuant to the provisions of Cabinet Office Order, of obligations borne by a funds transfer service provider in relation to funds transfer transactions carried out by the funds transfer service provider; hereinafter the same applies in this Chapter) as of each business day for each category of funds transfer service and an amount calculated pursuant to the provisions of Cabinet Office Order as the amount of costs pertaining to the procedure for the fulfillment of the right specified in Article 59, paragraph (1) (for type III funds transfer services by a funds transfer service provider to whom the provisions of Article 45-2, paragraph (1) are applied, the total amount obtained by deducting the amount of outstanding obligations in the process of being transferred pertaining to type III funds transfer services as of each business day multiplied by the rate of management by bank deposits or savings specified in that paragraph from the amount of outstanding obligations in the process of being transferred as of each of those business days, and the amount calculated pursuant to the provisions of Cabinet Office Order as the amount of costs pertaining to the procedure for the fulfillment of the right specified in Article 59, paragraph (1)); provided, however, that if the total is not more than the amount specified by Cabinet Order as being necessary for ensuring the performance of obligations borne by a small-scale funds transfer service provider in relation to funds transfer transactions carried out by the small-scale funds transfer service provider, the amount required for security deposit for providing funds transfer services is the amount specified by the relevant Cabinet Order. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 履行保証金は、国債証券、地方債証券その他の内閣府令で定める債券（社債、株式等の振替に関する法律第二百七十八条第一項に規定する振替債を含む。第四十五条第三項において同じ。）をもってこれに充てることができる。この場合において、当該債券の評価額は、内閣府令で定めるところによる。 art-43/par-3 · https://japanlaw.org/ja/payment-services-act/art-43/par-3 · https://japanlaw.org/l/421AC0000000059/art-43/par-3 National government bond certificates, local government bond certificates or other bond certificates specified by Cabinet Office Order (including transfer bonds prescribed in Article 278, paragraph (1) of the Act on Book-Entry Transfer of Corporate Bonds and Shares; the same applies in Article 45, paragraph (3)) may be deposited to fulfill the security deposits for providing funds transfer services requirement. In this case, the appraised value of those bond certificates is determined pursuant to the provisions of Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-43/par-1: 第四十八条 → 資金決済に関する法律 第四十八条 (Article 48), art-48 — https://japanlaw.org/ja/payment-services-act/art-48 · https://japanlaw.org/l/421AC0000000059/art-48 - art-43/par-1/item-2: 第四十五条の二第四項 → 資金決済に関する法律 第四十五条の二第四項 (Article 45-2, paragraph (4)), art-45-2/par-4 — https://japanlaw.org/ja/payment-services-act/art-45-2/par-4 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-4 - art-43/par-1/item-2: 第五項 → 資金決済に関する法律 第四十五条の二第五項 (Article 45-2, paragraph (5)), art-45-2/par-5 — https://japanlaw.org/ja/payment-services-act/art-45-2/par-5 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-5 - art-43/par-1/item-2: 第四十七条第一号 → 資金決済に関する法律 第四十七条第一項第一号 (Article 47, paragraph (1), item (i)), art-47/par-1/item-1 — https://japanlaw.org/ja/payment-services-act/art-47/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-47/par-1/item-1 - art-43/par-2: 前項 → 資金決済に関する法律 第四十三条第一項 (Article 43, paragraph (1)), art-43/par-1 — https://japanlaw.org/ja/payment-services-act/art-43/par-1 · https://japanlaw.org/l/421AC0000000059/art-43/par-1 - art-43/par-2: 第五十九条第一項 → 資金決済に関する法律 第五十九条第一項 (Article 59, paragraph (1)), art-59/par-1 — https://japanlaw.org/ja/payment-services-act/art-59/par-1 · https://japanlaw.org/l/421AC0000000059/art-59/par-1 - art-43/par-2: 第四十五条の二第一項 → 資金決済に関する法律 第四十五条の二第一項 (Article 45-2, paragraph (1)), art-45-2/par-1 — https://japanlaw.org/ja/payment-services-act/art-45-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1 - art-43/par-3: 第四十五条第三項 → 資金決済に関する法律 第四十五条第三項 (Article 45, paragraph (3)), art-45/par-3 — https://japanlaw.org/ja/payment-services-act/art-45/par-3 · https://japanlaw.org/l/421AC0000000059/art-45/par-3 ## Cited by 15 provisions cite this one. No official source publishes this direction. - 資金決済に関する法律 第四十三条第二項（履行保証金の供託） — https://japanlaw.org/ja/payment-services-act/art-43/par-2 · https://japanlaw.org/l/421AC0000000059/art-43/par-2 - 資金決済に関する法律 第四十五条の二第四項（預貯金等による管理） — https://japanlaw.org/ja/payment-services-act/art-45-2/par-4 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-4 - 資金決済に関する法律 第四十五条の二第五項（預貯金等による管理） — https://japanlaw.org/ja/payment-services-act/art-45-2/par-5 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-5 - 資金決済に関する法律 第四十七条第一項第一号（履行保証金の取戻し） — https://japanlaw.org/ja/payment-services-act/art-47/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-47/par-1/item-1 - 資金決済に関する法律 第五十八条の二第一項（履行保証金の供託等に係る特例） — https://japanlaw.org/ja/payment-services-act/art-58-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-58-2/par-1 - 資金決済に関する法律 第五十八条の二第二項（履行保証金の供託等に係る特例） — https://japanlaw.org/ja/payment-services-act/art-58-2/par-2 · https://japanlaw.org/l/421AC0000000059/art-58-2/par-2 - 資金決済に関する法律 第五十八条の二第四項（履行保証金の供託等に係る特例） — https://japanlaw.org/ja/payment-services-act/art-58-2/par-4 · https://japanlaw.org/l/421AC0000000059/art-58-2/par-4 - 資金決済に関する法律 第五十八条の二第五項第一号（履行保証金の供託等に係る特例） — https://japanlaw.org/ja/payment-services-act/art-58-2/par-5/item-1 · https://japanlaw.org/l/421AC0000000059/art-58-2/par-5/item-1 - 資金決済に関する法律 第五十八条の二第五項第二号（履行保証金の供託等に係る特例） — https://japanlaw.org/ja/payment-services-act/art-58-2/par-5/item-2 · https://japanlaw.org/l/421AC0000000059/art-58-2/par-5/item-2 - 資金決済に関する法律 第五十八条の二第五項第三号（履行保証金の供託等に係る特例） — https://japanlaw.org/ja/payment-services-act/art-58-2/par-5/item-3 · https://japanlaw.org/l/421AC0000000059/art-58-2/par-5/item-3 - 資金決済に関する法律 第百九条第一項第二号 — https://japanlaw.org/ja/payment-services-act/art-109/par-1/item-2 · https://japanlaw.org/l/421AC0000000059/art-109/par-1/item-2 - 資金決済に関する法律 附則第九条第一項 — https://japanlaw.org/ja/payment-services-act/suppl-5021-50/art-9/par-1 · https://japanlaw.org/l/421AC0000000059/suppl-5021-50/art-9/par-1 - 資金決済に関する法律 附則第十条第一項 — https://japanlaw.org/ja/payment-services-act/suppl-5021-50/art-10/par-1 · https://japanlaw.org/l/421AC0000000059/suppl-5021-50/art-10/par-1 - 資金決済に関する法律 附則第十条第二項 — https://japanlaw.org/ja/payment-services-act/suppl-5021-50/art-10/par-2 · https://japanlaw.org/l/421AC0000000059/suppl-5021-50/art-10/par-2 - 資金決済に関する法律 附則第十二条第三項 — https://japanlaw.org/ja/payment-services-act/suppl-5021-50/art-12/par-3 · https://japanlaw.org/l/421AC0000000059/suppl-5021-50/art-12/par-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