<ul><li><a href=https://www.centralbank.go.ke/images/docs/legislation/NATIONAL%20PAYMENT%20SYSTEM%20ACT%20(No%2039%20of%202011)%20(2).pdf target=_blank>National Payment System Act,2011 (Section 31 Regulations and Guidelines; The Minister may make regulations for carrying out the Act)</a></li><li><a href=https://centralbank.go.ke/images/docs/NPS/Regulations%20and%20Guidelines/Regulation%20-%20Provision%20of%20Electronic%20Retail%20Transfers.pdf target=_blank>Regiulations for Provision of Electronic Retail Transfer 2013(Clause 3. 3.1.(b))</a></li></ul>