{"id":18130,"date":"2024-10-03T10:34:32","date_gmt":"2024-10-03T14:34:32","guid":{"rendered":"https:\/\/www.millerthomson.com\/?post_type=insights&#038;p=225212"},"modified":"2026-01-05T14:23:29","modified_gmt":"2026-01-05T19:23:29","slug":"payment-service-providers-required-to-register-by-november-15-2024","status":"publish","type":"post","link":"https:\/\/www.millerthomson.com\/en\/insights\/structured-finance-and-securitization\/payment-service-providers-required-to-register-by-november-15-2024\/","title":{"rendered":"Call to action: Payment service providers are required to register by November 15, 2024"},"content":{"rendered":"\n<p>On April 25, 2024, we highlighted <a href=\"https:\/\/www.millerthomson.com\/en\/insights\/structured-finance-and-securitization-communique\/payment-service-providers-canadas-retail-payment-activities-act-regulations\/\" target=\"_blank\" rel=\"noopener\">the potential obligations a payment service provider (\u201cPSP\u201d) may have under Canada\u2019s <em>Retail Payment Activities Act<\/em><\/a> (the \u201c<strong>RPAA<\/strong>\u201d), including submitting a registration application with the Bank of Canada (the \u201c<strong>BoC<\/strong>\u201d) during the period <strong>between November 1, 2024<\/strong> to <strong>November 15, 2024<\/strong> (the \u201c<strong>Registration Period<\/strong>\u201d). With the Registration Period quickly approaching, the following is key information pertaining to registration for any individual or entity who may be deemed a PSP and fall under the scope of the RPAA.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who needs to register?<\/h2>\n\n\n\n<p>Under the RPAA, PSPs must register with the BoC before conducting any retail payment activities. An individual or entity may be required to register if they:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Perform one or more of the following:\n<ol class=\"wp-block-list\">\n<li>Providing or maintaining an account on behalf of an end user;<\/li>\n\n\n\n<li>Holding funds on behalf of an end user;<\/li>\n\n\n\n<li>Initiating electronic funds transfers for an end user;<\/li>\n\n\n\n<li>Authorizing or facilitating electronic funds transfers, including processing instructions; or<\/li>\n\n\n\n<li>Providing or clearing settlement services.<\/li>\n<\/ol>\n<\/li>\n\n\n\n<li>Perform a retail payment activity, defined as a payment function in relation to an electronic funds transfer.<\/li>\n\n\n\n<li>Perform retail payment activities within Canada, either by operating in Canada or abroad.<\/li>\n\n\n\n<li>Do not fall within the scope of any entity-based or activity-based exclusions under the RPAA, including but not limited to:\n<ol class=\"wp-block-list\">\n<li>Exempt entities: Banks, authorized foreign banks and provincially-regulated trust companies; or<\/li>\n\n\n\n<li>Exempt activities: Incidental activities, securities-related transactions and internal transactions.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">When do I register?<\/h2>\n\n\n\n<p>The BoC has provided for a transition period from <strong>November 1, 2024 <\/strong>until <strong>September 7, 2025 <\/strong>(the \u201c<strong>Transition Period<\/strong>\u201d) for existing PSPs to apply for registration and for the BoC to process applications. As stated above, existing PSPs must submit a registration application within the Registration Period. Once a registration application has been submitted within the Registration Period, PSPs may continue performing retail payment services during the Transition Period. For individuals or entities wishing to begin operating as a PSP following the conclusion of the Registration Period, a registration application must be submitted at least 60 days before they plan to begin performing retail payment activities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why should I register?<\/h2>\n\n\n\n<p>Any PSP operating during the Transition Period that has not submitted a registration application may be in contravention of section 104 of the RPAA. In such an event, the contravening party may be served with a notice of violation and be assessed an administrative monetary penalty. A contravening party served with a notice of violation will be made public on the BoC\u2019s website, along with the nature of the violation and any monetary penalty assessed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When will registration decisions be released?<\/h2>\n\n\n\n<p>The BoC will inform applicants of their registration decision following the conclusion of the Transition Period.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Will registrations be made public?<\/h2>\n\n\n\n<p>While no license will be provided to PSPs that have successfully registered with the BoC, &nbsp;the BoC intends to maintain a public registry of all registered PSPs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Need assistance?<\/h2>\n\n\n\n<p>Should you have any questions or concerns in relation to the application process, please reach out to a member of the Miller Thomson <a href=\"https:\/\/www.millerthomson.com\/en\/expertise\/business\/structured-finance-securitization\/\" target=\"_blank\" rel=\"noopener\">Structured Finance and Securitization<\/a> group.<a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On April 25, 2024, we highlighted the potential obligations a payment service provider (\u201cPSP\u201d) may have under Canada\u2019s Retail Payment Activities Act (the \u201cRPAA\u201d), including submitting a registration application with the Bank of Canada (the \u201cBoC\u201d) during the period between November 1, 2024 to November 15, 2024 (the \u201cRegistration Period\u201d). With the Registration Period quickly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14391,"parent":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[534],"insight-format":[],"class_list":["post-18130","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-structured-finance-and-securitization"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Call to action: Payment service providers are required to register by November 15, 2024 | Miller Thomson<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.millerthomson.com\/en\/insights\/structured-finance-and-securitization\/payment-service-providers-required-to-register-by-november-15-2024\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Call to action: Payment service providers are required to register by November 15, 2024 | Miller Thomson\" \/>\n<meta property=\"og:description\" content=\"On April 25, 2024, we highlighted the potential obligations a payment service provider (\u201cPSP\u201d) may have under Canada\u2019s Retail Payment Activities Act (the \u201cRPAA\u201d), including submitting a registration application with the Bank of Canada (the \u201cBoC\u201d) during the period between November 1, 2024 to November 15, 2024 (the \u201cRegistration Period\u201d). With the Registration Period quickly [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.millerthomson.com\/en\/insights\/structured-finance-and-securitization\/payment-service-providers-required-to-register-by-november-15-2024\/\" \/>\n<meta property=\"og:site_name\" content=\"Miller Thomson\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MillerThomsonLaw\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-03T14:34:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-05T19:23:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Structured-Finance-and-Securitizations_Post-Image.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1776\" \/>\n\t<meta property=\"og:image:height\" content=\"994\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta 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