The Central Bank of Peru approved a regulation for alias-based instant payments that sets common rules for the service regardless of the infrastructure used to process it. The measure is aimed at strengthening security, efficiency and interoperability within the National Payments System as low-value instant transfers using aliases, especially mobile numbers, have become the main digital payment instrument and are now offered by a broader range of payment service providers. The framework covers payment service providers, payment infrastructures including their administrators and participants, and critical technology service providers involved in alias-based or QR-based instant payments, including directory providers and directory managers. It requires the service to be offered in PEN and to be available 24 hours a day, 365 days a year. Individual transactions are capped at PEN 30,000, although firms may impose lower or cumulative hourly or daily limits under their risk policies. Providers must enable users to send and receive interoperable instant payments and may not degrade, block or unjustifiably delay a transaction solely because the counterparty is linked to another provider or infrastructure. The payer's provider must also offer simple channels for requests, complaints and disputes, with a maximum response time of 15 business days. In addition, the regulation creates an authorization regime for directory providers and managers based on risk management, information security, operational continuity and technological resilience. The rule takes effect 60 calendar days after publication, on Sept. 13, 2026. Entities already operating as directory providers or directory managers must submit an authorization request by Dec. 31, 2026, and may continue operating while the Central Bank of Peru reviews the application.
Central Bank of Peru2026-07-17
Central Bank of Peru approves alias-based instant payments rules, sets PEN 30000 transaction cap and interoperability requirements
The Central Bank of Peru approved a cross-infrastructure rulebook for alias-based instant payments to strengthen interoperability, security and efficiency in the National Payments System. The regulation requires 24/7 PEN-denominated service, sets a PEN 30,000 cap per transaction and prohibits firms from blocking or delaying interoperable payments because another provider or infrastructure is involved. It takes effect on Sept. 13, 2026, and existing directory providers and managers must seek authorization by Dec. 31, 2026.