# 資金決済に関する法律 / Payment Services Act — 第六十三条の二十二の十二 (Article 63-22-12)

- 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: 第六十三条の二十二の十二 (Article 63-22-12)（利用者の保護等に関する措置） — address `art-63-22-12`
- Text in force since: 2026-08-12
- URL (the page that opens at this provision): https://japanlaw.org/ja/payment-services-act/art-63-22-12
- Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/421AC0000000059/art-63-22-12
- 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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### 第六十三条の二十二の十二（利用者の保護等に関する措置） — Measures for Protecting Users
<sup>caption: machine translation, not official</sup>
<sup>art-63-22-12 · https://japanlaw.org/ja/payment-services-act/art-63-22-12 · https://japanlaw.org/l/421AC0000000059/art-63-22-12</sup>

  **第一項**  電子決済手段・暗号資産サービス仲介業者は、電子決済手段仲介行為に係る業務を行う場合には、内閣府令で定めるところにより、電子決済手段仲介行為に係る業務と銀行等、資金移動業者又は特定信託会社が行う業務との誤認を防止するための説明、電子決済手段の内容、手数料その他の電子決済手段仲介行為に係る業務に係る契約の内容についての情報の提供その他の電子決済手段仲介行為に係る業務の利用者の保護を図り、及び電子決済手段仲介行為に係る業務の適正かつ確実な遂行を確保するために必要な措置を講じなければならない。
  <sup>art-63-22-12/par-1 · https://japanlaw.org/ja/payment-services-act/art-63-22-12/par-1 · https://japanlaw.org/l/421AC0000000059/art-63-22-12/par-1</sup>
  When an electronic payment instruments and cryptoasset intermediary service provider carries out business pertaining to electronic payment instruments intermediary acts, it must, pursuant to the provisions of Cabinet Office Order, provide explanation to prevent users from mistaking the business pertaining to electronic payment instruments intermediary acts for the business carried out by deposit-taking institutions, a funds transfer service provider, or a specified trust company, provide information about details of electronic payment instruments, fees and other terms and conditions of contracts related to the business pertaining to electronic payment instruments intermediary acts, and take other measures necessary for protecting the users of the business pertaining to electronic payment instruments intermediary acts and ensuring the provision of the business pertaining to electronic payment instruments intermediary acts in a proper and steady manner.
  <sup>machine translation, not official</sup>

  **第二項**  電子決済手段・暗号資産サービス仲介業者は、暗号資産仲介行為に係る業務を行う場合には、内閣府令で定めるところにより、暗号資産の性質に関する説明、手数料その他の暗号資産仲介行為に係る業務に係る契約の内容についての情報の提供その他の暗号資産仲介行為に係る業務の利用者の保護を図り、及び暗号資産仲介行為に係る業務の適正かつ確実な遂行を確保するために必要な措置を講じなければならない。
  <sup>art-63-22-12/par-2 · https://japanlaw.org/ja/payment-services-act/art-63-22-12/par-2 · https://japanlaw.org/l/421AC0000000059/art-63-22-12/par-2</sup>
  When an electronic payment instruments and cryptoasset intermediary service provider carries out business pertaining to cryptoasset intermediary acts, it must, pursuant to the provisions of Cabinet Office Order, provide explanation concerning the characteristics of cryptoassets, and information about fees and other terms and conditions of contracts pertaining to the business pertaining to cryptoasset intermediary acts, and take other measures necessary for protecting the users of the business pertaining to cryptoasset intermediary acts and ensuring the provision of the business pertaining to cryptoasset intermediary acts in a proper and steady manner.
  <sup>machine translation, not official</sup>

  **第三項**  電子決済手段・暗号資産サービス仲介業者は、暗号資産仲介行為に係る業務の利用者に信用を供与して暗号資産仲介行為を行ってはならない。
  <sup>art-63-22-12/par-3 · https://japanlaw.org/ja/payment-services-act/art-63-22-12/par-3 · https://japanlaw.org/l/421AC0000000059/art-63-22-12/par-3</sup>
  An electronic payment instruments and cryptoasset intermediary service provider must not carry out cryptoasset intermediary acts by granting credit to a user of the business pertaining to cryptoasset intermediary acts.
  <sup>machine translation, not official</sup>

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## 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-20261012T054915-006, 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