{"id":13826,"date":"2025-06-30T10:05:13","date_gmt":"2025-06-30T08:05:13","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/informations-generales\/entree-en-relation\/modele-partenaire-regule\/declaration-distributeur-me-acpr\/"},"modified":"2026-01-28T14:47:29","modified_gmt":"2026-01-28T13:47:29","slug":"declaration-distributeur-me-acpr","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/informations-generales\/modeles-contractuels\/modele-partenaire-regule\/declaration-distributeur-me-acpr\/","title":{"rendered":"D\u00e9claration Distributeur ME (ACPR)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les \u00c9tablissements \u00e9metteurs de monnaie \u00e9lectronique comme CentralPay peuvent mandater des Distributeurs de Monnaie \u00c9lectronique (DME) afin de collecter des fonds et d\u2019assurer les \u00e9changes permettant l\u2019achat et le remboursement de ME dans un r\u00e9seau de sous-marchands d\u00e9fini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La d\u00e9claration d\u2019un Distributeur de Monnaie \u00c9lectronique se d\u00e9roule en deux \u00e9tapes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le montage du dossier de d\u00e9claration : r\u00e9alis\u00e9 par CentralPay avec l\u2019aide de son futur DME<\/li>\n\n\n\n<li>L&#8217;instruction du dossier \u00e0 l&#8217;ACPR : r\u00e9alis\u00e9 par CentralPay. Elle ne n\u00e9cessite pas de validation particuli\u00e8re de l&#8217;ACPR<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">1. Responsabilit\u00e9 du mandataire DME<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">CentralPay r\u00e9alise tous les processus complexes ou n\u00e9cessitant de fortes comp\u00e9tences. N\u00e9anmoins, vous \u00eates toujours garant de la tenue d\u2019un haut niveau d\u2019exigence dans le suivi et l\u2019application des r\u00e8gles de LCB-FT (Lutte Contre le Blanchiment et le Financement du Terrorisme). \u00c0 ce titre, vous devez apporter \u00e0 CentralPay des certitudes sur les conditions de r\u00e9alisation des op\u00e9rations qui passent par votre interm\u00e9diaire, notamment&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La r\u00e9alit\u00e9 \u00e9conomique de l\u2019op\u00e9ration<\/li>\n\n\n\n<li>La lutte contre la fraude<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00c9tablissements r\u00e9gul\u00e9s qui font appel \u00e0 des distributeurs restent responsables des op\u00e9rations r\u00e9alis\u00e9es par ces derniers. Un cadre juridique pr\u00e9cis est donc mis en place.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Un statut de Distributeur de Monnaie \u00c9lectronique passe par&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La contractualisation d\u2019un contrat Cadre de Distribution de Monnaie \u00c9lectronique qui d\u00e9finit les relations entre les parties<\/li>\n\n\n\n<li>Des CGU d\u2019utilisation de Monnaie \u00c9lectronique<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cas o\u00f9 un DME internalise certaines fonctions d\u00e9volues \u00e0 CentralPay dans le cadre de ses obligations r\u00e8glementaires, un contrat de Prestations de Services Essentiels Externalis\u00e9es devra \u00eatre sign\u00e9. C\u2019est par exemple le cas si l\u2019agent internalise la gestion des KYC ou r\u00e9alise des interfaces de gestion qui ne permettrait pas \u00e0 CentralPay d\u2019assurer l\u2019ex\u00e9cution du service sans le concours du PSEE.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Devenir mandataire DME<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Devenir Distributeur de CentralPay n\u00e9cessite le suivi d\u2019\u00e9tapes qui s\u2019\u00e9talent sur plusieurs semaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un guide qui permet de mieux comprendre les enjeux li\u00e9s \u00e0 l\u2019acceptation, puis \u00e0 l\u2019instruction des dossiers de d\u00e9claration des Distributeurs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2.1. R\u00e9sum\u00e9 des \u00e9tapes<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Compr\u00e9hension du mod\u00e8le\n<ul class=\"wp-block-list\">\n<li><span style=\"color: var(--p_color);\">Explication des services apport\u00e9s par le mandataire <\/span><\/li>\n\n\n\n<li><span style=\"color: var(--p_color);\">D\u00e9finition de son mod\u00e8le d\u2019affaires<\/span><\/li>\n\n\n\n<li>Validation par le service Risque &amp; Conformit\u00e9 de CentralPay<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Offre Commerciale\n<ul class=\"wp-block-list\">\n<li>Pr\u00e9sentation<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Validation\n<ul class=\"wp-block-list\">\n<li><span style=\"color: var(--p_color);\">Validation du mandataire par le service Risque &amp; Conformit\u00e9 de CentralPay<\/span><\/li>\n\n\n\n<li>Validation de la proposition commerciale et des conditions tarifaires par le mandataire <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Test &amp; Int\u00e9gration\n<ul class=\"wp-block-list\">\n<li><span style=\"color: var(--p_color);\">Mise en place de la sandbox<\/span><\/li>\n\n\n\n<li><span style=\"color: var(--p_color);\">R\u00e9union de lancement de projet avec l\u2019\u00e9quipe technique<\/span><\/li>\n\n\n\n<li>Phase d\u2019int\u00e9gration technique<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Instruction du dossier ACPR\n<ul class=\"wp-block-list\">\n<li><span style=\"color: var(--p_color);\">Collecte des \u00e9l\u00e9ments n\u00e9cessaires \u00e0 la constitution du dossier<\/span><\/li>\n\n\n\n<li><span style=\"color: var(--p_color);\">Pr\u00e9paration du dossier<\/span><\/li>\n\n\n\n<li>Pr\u00e9sentation du dossier<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Mise en production\n<ul class=\"wp-block-list\">\n<li><span style=\"color: var(--p_color);\">Validation de la recette<\/span><\/li>\n\n\n\n<li>Mise en production<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">2.2. Pi\u00e8ces \u00e0 fournir \u00e0 CentralPay<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Prochainement<\/em><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Les \u00c9tablissements \u00e9metteurs de monnaie \u00e9lectronique comme CentralPay peuvent mandater des Distributeurs de Monnaie \u00c9lectronique (DME) afin de collecter des fonds et d\u2019assurer les \u00e9changes permettant l\u2019achat et le remboursement de ME dans un r\u00e9seau de sous-marchands d\u00e9fini. La d\u00e9claration d\u2019un Distributeur de Monnaie \u00c9lectronique se d\u00e9roule en deux \u00e9tapes : 1. Responsabilit\u00e9 du mandataire [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":13808,"menu_order":3,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-13826","docs","type-docs","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9claration Distributeur ME (ACPR) - CentralPay Documentation<\/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:\/\/docs.centralpay.com\/en\/documentation\/informations-generales\/modeles-contractuels\/modele-partenaire-regule\/declaration-distributeur-me-acpr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9claration Distributeur ME (ACPR) - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"Les \u00c9tablissements \u00e9metteurs de monnaie \u00e9lectronique comme CentralPay peuvent mandater des Distributeurs de Monnaie \u00c9lectronique (DME) afin de collecter des fonds et d\u2019assurer les \u00e9changes permettant l\u2019achat et le remboursement de ME dans un r\u00e9seau de sous-marchands d\u00e9fini. 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