RESOLUTION OF BOARD OF NATIONAL BANK OF THE REPUBLIC OF BELARUS

of January 16, 2026 No. 13

About change of the resolution of Board of National Bank of the Republic of Belarus of September 20, 2022 No. 354

Based on paragraphs of the thirty third and sixty ninth of Article 26, No. 164-Z "About payment systems and payment services" the Board of National Bank of the Republic of Belarus DECIDES: parts one of article 39 of the Bank code of the Republic of Belarus, subitem 3.19 of Item 3 of Article 4 and Item 1 of article 5 of the Law of the Republic of Belarus of April 19, 2022

1. Bring in the resolution of Board of National Bank of the Republic of Belarus of September 20, 2022 No. 354 "About approval of Rules of system of instant payments" the following changes:

1.1. state preamble in the following edition:

"Based on paragraphs of the thirty third and sixty ninth of Article 26, No. 164-Z "About payment systems and payment services" the Board of National Bank of the Republic of Belarus DECIDES: parts one of article 39 of the Bank code of the Republic of Belarus, subitem 3.19 of Item 3 of Article 4 and Item 1 of article 5 of the Law of the Republic of Belarus of April 19, 2022";

1.2. add Item 2 with paragraphs of the following content:

"for carrying out intra country instant payments of clients – physical persons for benefit of legal entities, individual entrepreneurs, physical persons performing independent professional activity with use of service of information support of payments on demand on payment of goods (works, services) in the following procedure:

since July 1, 2026 for the banks entering into group of the importance of I on the list of systemically significant banks established by National Bank according to the Instruction about procedure for determination of systemically significant banks, non-bank credit and financial organizations approved by the resolution of Board of National Bank of the Republic of Belarus of May 18, 2017 No. 180 (further – the list of systemically significant banks);

since December 1, 2026 for the banks which are not entering into group of the importance of I on the list of systemically significant banks.";

1.3. add the resolution with Item 2-1 of the following content:

"2-1. Determine that banks provide forming of QR code in regime of the payer, the mode of the organization of trade (service) when carrying out intra country instant payments with use of service of information support of payments on demand on payment of goods (works, services) in the following procedure:

since July 1, 2026 the banks entering into group of the importance of I on the list of systemically significant banks;

since December 1, 2026 also the banks which are not entering into group of the importance of I on the list of systemically significant banks.";

1.4. The rules of system of instant payments approved by this resolution to be reworded as follows (are attached).

2. This resolution becomes effective after its official publication.

Approved by the Resolution of Board of National Bank of the Republic of Belarus of September 20, 2022 No. 354

Rules of system of instant payments

Chapter 1. General provisions

1. These rules determine procedure:

the organizations and functioning of system of instant payments (further – SMP);

implementation of intra country and cross-border instant payments.

2. These rules are obligatory for accomplishment by the banks, the non-bank credit and financial organizations created and registered according to the bank law, "Development Bank of the Republic of Belarus" open joint stock company (further – banks of the Republic of Belarus), the National Bank, foreign banks, branches of foreign banks, intermediary bank which are participating in the BISS system, executed the technical actions provided by documentation of the automated system of interbank calculations of National Bank (further – the EXPERT of MBR), and "Belarusian Interbank Settlement Center" open joint stock company (further – the technical operator).

3. For the purposes of these rules the terms below are used in the following values:

3.1. base of software of RtP QR (further – RtP QR base) – centralized storage of data about the payments using service of information support on demand on payment of goods (works, services) of KPOK/KROK (further – the KROK service) participating banks of payment system in single settlement and information space (further – PS ERIP), service providers of the organization of trade (service) (further – OTS), and also OTS for benefit of which payments with use of the KROK service are made;

3.2. SMP participating banks – the banks of the Republic of Belarus, National Bank, foreign banks, branches of foreign banks, intermediary bank which are participating in the BISS system, executed the technical actions provided by documentation the EXPERT of MBR for receipt of access to the functions provided to SMP and the service provision agreements which signed with the technical operator on technical supply of money transfer in SMP;

3.3. bank sender, paying bank (further – bank sender) – the bank of the Republic of Belarus, National Bank, foreign bank which created based on payment specifying (payment instruction) of the payer the MH-message on intra country (cross-border) instant payment. The bank sender can be the payer;

3.4. bank receiver, bank beneficiary (further – bank receiver) – the bank of the Republic of Belarus, National Bank, foreign bank which received the MH-message on intra country (cross-border) instant payment of bank sender, intermediary bank for transfer of money into the account of the receiver of payment (beneficiary) (further – the beneficiary). The bank receiver can be the beneficiary;

3.5. intermediary bank – the foreign bank providing interaction of SMP and foreign system of instant (bystry) payments by means of use of the program and technical infrastructure according to the rules established by National Bank regarding carrying out payments in the territory of the Republic of Belarus and the rules established by foreign national (central) bank regarding carrying out payments in the territory of foreign state;

3.6. PS ERIP participating bank – the payer bank performing settlement transactions with use of PS ERIP and (or) providing acceptance of payments in making payment Item including provision to users (to payers, OTS) necessary information for making of payments by them, the participant of clearing in PS ERIP, bank of the beneficiary;

3.7. irrevocability of instant payment – the characteristic of intra country (cross-border) instant payment designating absence or the termination of possibility of its response at some point;

3.8. intra country information service – the technology of the automated information exchange realized by means of SMP between banks of the Republic of Belarus – participants of SMP data on bank details of the beneficiary, and also other data necessary for the parties participating in the forthcoming money transfer;

3.9. intra country instant payment – the payment made based on payment specifying (payment instruction) of the payer through bank sender, the technical operator and bank receiver in time mode which is brought closer to real;

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