{"id":16670,"date":"2025-06-30T10:05:13","date_gmt":"2025-06-30T08:05:13","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/contract-templates\/intermediary-merchant\/me-distributor-declaration-acpr\/"},"modified":"2026-09-02T16:28:58","modified_gmt":"2026-09-02T14:28:58","slug":"me-distributor-declaration-acpr","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/contract-templates\/intermediary-merchant\/me-distributor-declaration-acpr\/","title":{"rendered":"ME Distributor Declaration (ACPR)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Electronic money issuers such as CentralPay may authorize Electronic Money Distributors (EMDs) to collect funds and facilitate transactions for the purchase and refund of electronic money within a defined network of Sub-merchants.<\/p>\n\n<p class=\"wp-block-paragraph\">The registration process for an Electronic Money Distributor consists of two steps:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Preparation of the tax return: handled by CentralPay with the assistance of its future EMD<\/li>\n\n\n\n<li>Processing of the application by the ACPR: handled by CentralPay. It does not require any specific approval from the ACPR. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">1. Responsibilities of the EMD Intermediary<\/h2>\n\n<p class=\"wp-block-paragraph\">CentralPay handles all complex processes or those requiring specialized expertise. However, you remain responsible for ensuring a high standard of compliance with AML\/CFT (Anti-Money Laundering and Counter-Terrorist Financing) rules. As such, you must provide CentralPay with assurance regarding the conditions under which transactions processed through you are carried out, including:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>The Economic Reality of the Transaction<\/li>\n\n\n\n<li>The Fight Against Fraud<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Regulated institutions that use distributors remain responsible for the transactions carried out by those distributors. A clear legal framework has therefore been established. <\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">To qualify as an Electronic money Distributor, the following requirements must be met:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>The execution of an Electronic money Distribution Framework Agreement that defines the relationship between the parties<\/li>\n\n\n\n<li>Terms of Use for Electronic Money<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">In the event that an EMD internalizes certain functions assigned to CentralPay as part of its regulatory obligations, a contract for Outsourced Essential Services must be signed. This is the case, for example, if the agent handles KYC management in-house or develops management interfaces that would prevent CentralPay from providing the service without the assistance of the PSEE. <\/p>\n\n<h2 class=\"wp-block-heading\">2. Become an EMD Intermediary<\/h2>\n\n<p class=\"wp-block-paragraph\">Becoming a CentralPay distributor involves following a series of steps that take several weeks to complete.<\/p>\n\n<p class=\"wp-block-paragraph\">Here is a guide to help you better understand the issues related to the acceptance and subsequent processing of distributors\u2019 filing documents.<\/p>\n\n<h3 class=\"wp-block-heading\">2.1. Summary of the Steps<\/h3>\n\n<ol class=\"wp-block-list\">\n<li>Understanding the Model\n<ul class=\"wp-block-list\">\n<li><span style=\"color: var(--p_color);\">Explanation of the services provided by the intermediary  <\/span><\/li>\n\n\n\n<li><span style=\"color: var(--p_color);\">Defining Its Business Model<\/span><\/li>\n\n\n\n<li>Approval by CentralPay&#8217;s Risk &amp; Compliance Department<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Sales Offer\n<ul class=\"wp-block-list\">\n<li>Overview<\/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);\">Approval of the intermediary by CentralPay&#8217;s Risk &amp; Compliance Department<\/span><\/li>\n\n\n\n<li>Approval of the commercial proposal and pricing terms by the intermediary  <\/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);\">Setting Up the Sandbox<\/span><\/li>\n\n\n\n<li><span style=\"color: var(--p_color);\">Project Kickoff Meeting with the Technical Team<\/span><\/li>\n\n\n\n<li>Technical Integration Phase<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Review of the ACPR File\n<ul class=\"wp-block-list\">\n<li><span style=\"color: var(--p_color);\">Gathering the information needed to compile the file<\/span><\/li>\n\n\n\n<li><span style=\"color: var(--p_color);\">Preparing the Application<\/span><\/li>\n\n\n\n<li>Overview of the Case<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Go-Live\n<ul class=\"wp-block-list\">\n<li><span style=\"color: var(--p_color);\">Acceptance Testing<\/span><\/li>\n\n\n\n<li>Go-Live<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n<h3 class=\"wp-block-heading\">2.2. Documents to Submit to CentralPay<\/h3>\n\n<p class=\"wp-block-paragraph\"><em>Coming Soon<\/em><\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Electronic money issuers such as CentralPay may authorize Electronic Money Distributors (EMDs) to collect funds and facilitate transactions for the purchase and refund of electronic money within a defined network of Sub-merchants. The registration process for an Electronic Money Distributor consists of two steps: 1. Responsibilities of the EMD Intermediary CentralPay handles all complex processes [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":16666,"menu_order":3,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-16670","docs","type-docs","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ME Distributor Declaration (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\/general-information\/contract-templates\/intermediary-merchant\/me-distributor-declaration-acpr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ME Distributor Declaration (ACPR) - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"Electronic money issuers such as CentralPay may authorize Electronic Money Distributors (EMDs) to collect funds and facilitate transactions for the purchase and refund of electronic money within a defined network of Sub-merchants. 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