中国支付清算协会（Payment & Clearing Association of China，缩写为“PCAC”）成立于2011年5月23日，是经国务院同意、民政部批准成立，并在民政部登记注册的全国性非营利社会团体法人，是中国支付清算服务行业自律组织。协会业务主管单位为中国人民银行。会址设在北京。 　　凡经中国银监会批准设立的、具有独立法人资格的银行业金融机构及财务公司、经人民银行等相关监管部门批准设立的支付清算机构、取得人民银行颁发的《支付业务许可证》的非金融机构以及符合协会要求的其他法人机构，均可申请加入中国支付清算协会成为会员单位。经相关监管机构批准，在民政部门登记注册的各省（自治区、直辖市）支付清算类协会，承认《中国支付清算协会章程》，均可申请加入中国支付清算协会成为准会员单位。 　　中国支付清算协会的最高权力机构为会员代表大会，由参加协会的全体会员单位组成。会员大会的执行机构为理事会，对会员代表大会负责。理事会在会员代表大会闭会期间负责领导协会开展日常工作。理事会闭会期间，常务理事会行使理事会职责。协会设监事会，由监事长一名、监事若干名组成。 　　中国支付清算协会日常办事机构为秘书处。秘书处设立综合部、政策研究与宣传部、法律与权益保护部、会员与培训部、业务协调一部、业务协调二部、业务协调三部、技术与标准部、统计与资讯部、反欺诈实验室十个部门。根据工作需要，中国支付清算协会设立九个工作（专业）委员会，包括银行卡基支付工作委员会、预付卡工作委员会、网络支付应用工作委员会、移动支付工作委员会、技术标准工作委员会、票据工作委员会、金融科技专业委员会、SWIFT用户专业委员会和反欺诈工作委员会。 　　中国支付清算协会以促进会员单位实现共同利益为宗旨，遵守国家宪法、法律、法规和经济金融方针政策，遵守社会道德风尚，对支付清算服务行业进行自律管理，维护支付清算服务市场的竞争秩序和会员的合法权益，防范支付清算风险，促进支付清算服务行业健康发展。

Founded on May 23, 2011, Payment & Clearing Association of China (pcac) is a national non-profit social organization legal person approved by the State Council, approved by the Ministry of civil affairs, and registered with the Ministry of civil affairs. It is a self regulatory organization of China's payment and clearing service industry. The competent unit of the association is the people's Bank of China. The venue is in Beijing. All banking financial institutions and financial companies with independent legal personality approved by the China Banking Regulatory Commission, payment and clearing institutions approved by the people's Bank of China and other relevant regulatory departments, non-financial institutions that have obtained the payment business license issued by the people's Bank of China, and other legal person institutions that meet the requirements of the association may apply to join the China payment and clearing Association as member units. With the approval of the relevant regulatory authorities, the payment and clearing associations of all provinces (autonomous regions and municipalities directly under the central government) registered with the civil affairs department can apply to join the China payment and clearing Association as associate member units if they recognize the articles of association of China payment and clearing Association. Payment & Clearing Association of China is the member congress, which is composed of all member units participating in the association. The executive body of the general assembly is the Council, which is responsible for the general assembly of members. The Council is responsible for leading the daily work of the association when the member congress is not in session. When the Council is not in session, the Standing Council shall exercise the functions of the Council. The association has a board of supervisors, consisting of a chairman of the board of supervisors and several supervisors. The daily office of China payment and clearing association is the Secretariat. The Secretariat has set up 10 departments, namely, general affairs department, policy research and publicity department, law and rights protection department, member and training department, business coordination department I, business coordination Department II, business coordination Department III, technology and Standards Department, statistics and information department and anti fraud laboratory. According to work needs, China payment and clearing association has established nine working (Professional) committees, including bank card based payment Working Committee, prepaid card working committee, network payment application working committee, mobile payment Working Committee, technical standard working committee, Bill Working Committee, financial technology professional committee, swift user Professional Committee and anti fraud working committee. China payment and clearing Association aims to promote the realization of the common interests of its members, abide by the national constitution, laws, regulations and economic and financial policies, abide by social ethics, conduct self-discipline management on the payment and clearing service industry, maintain the competitive order of the payment and clearing service market and the legitimate rights and interests of its members, prevent payment and clearing risks, and promote the healthy development of the payment and clearing service industry.