街口支付的母公司──街口金融科技，近日因涉及與泰山企業的股權交易糾紛而面臨約36億元的民事訴訟，目前台北地方法院已對其進行查封執行。然而需要釐清的是，街口支付為母公司全資子公司，在法律結構與營運層面上為獨立運作體系，並受到金管會監管。也因此，儘管母公司陷入法律糾紛，該事件目前尚未直接波及街口支付的實際營運與用戶資金安全。

對用戶最關心的儲值金問題，街口支付早已根據《電子支付機構管理條例》第21條規定，將所有代理收付款項與用戶儲值餘額百分之百交由受託銀行進行信託管理。此信託機制確保用戶資金與公司營運資金完全隔離，即便母公司遭查封，用戶存入的儲值金也不會被挪用，專款專用，受到法律保障。

街口支付目前持有的電子支付牌照仍然有效，並未遭到吊銷或限制，因此其支付、轉帳、提款、繳費等各項基本功能皆維持正常運作。金管會也已進場查核公司資金狀況，雖發現近期儲值金總額略有下降，但已確認這屬於用戶個別提領行為，並不代表資金安全機制失效。

然而受到母公司新聞事件影響，市場上部分合作商家為求營運穩定而暫停支援街口支付，像是全國電子、部分連鎖餐飲品牌與蝦皮購物等。但這些行動並非因系統功能異常，而是出於風險控管與品牌觀感考量所做出的策略性調整。針對用戶應如何自保的建議，目前若對平台安全性產生疑慮，可選擇將儲值金提領出帳戶，或暫時取消信用卡綁定，並密切留意官方公告與金管會後續說明。這些措施可有效降低潛在風險，尤其對於頻繁進行高額交易的使用者而言，更具參考價值。

街口支付自2017年成立以來，由金管會核准為專營電子支付業者，母公司街口金融科技則於2012年創立。創辦人胡亦嘉帶領下，公司資本額達10.5億元，而街口支付本身資本額約為6.1億元。根據2025年3月資料，街口支付用戶數達673.9萬人，長年在台灣電子支付市場佔據前三大地位，深受家庭用戶與商戶喜愛，涵蓋繳費、購物、網購結帳等多元使用場景。街口支付一直以來以操作便利與功能完整見長，然而此次母公司陷入股權與資產法律爭議，已影響部分用戶與商家信任，陸續出現提領潮與暫停使用的現象。金管會已要求街口支付須在7月21日前提交完整報告，以強化市場信心並保障用戶權益。

綜觀目前情勢，街口支付的資金仍具備完整信託保護機制，並在合法監管下持續運作，未出現財務異常或儲值金損失等狀況。即便母公司遭查封，其對用戶端的實質影響仍有限。若用戶對未來不確定性有所疑慮，適度提領資金並持續關注金管會與街口官方後續資訊，將是穩健而理性的應對方式。

JKOPay’s Parent Company Faces Lawsuit, but User Funds Remain Secure under Trust Mechanism

The parent company of JKOPay—JKO Fintech Co., Ltd.—is currently facing a civil lawsuit of approximately NT$3.6 billion due to a dispute involving share transactions with Taisun enterprise (泰山企業). As a result, the Taipei District Court has initiated asset seizures against the parent company. However, it is important to clarify that JKOPay is a wholly owned subsidiary of JKO Fintech and operates independently both legally and operationally, under the supervision of Taiwan’s Financial Supervisory Commission (FSC). Therefore, despite the legal issues faced by the parent company, JKOPay’s day-to-day operations and user fund safety have not been directly affected.

Regarding the issue most concerning to users—stored value funds—JKOPay has long complied with Article 21 of the Act Governing Electronic Payment Institutions, which mandates that 100% of collected payments and user stored funds be held in a trust account managed by a designated bank. This trust mechanism ensures a full separation between user funds and corporate operating funds. Even if the parent company’s assets are seized, user deposits cannot be misappropriated, are designated for specific use only, and are legally protected.

JKOPay’s electronic payment license remains valid and has not been revoked or restricted. As such, its core functions—including payments, transfers, withdrawals, and bill payments—continue to operate normally. The FSC has already audited the company’s financial status. Although there has been a slight decline in total stored value recently, the FSC confirmed that this was due to individual user withdrawals and does not reflect a failure of the platform’s fund protection mechanisms.

Nevertheless, due to the news surrounding the parent company, some merchants have chosen to temporarily suspend support for JKOPay as a risk management strategy and to maintain brand perception. These include E-Life Mall, certain chain restaurants, and Shopee Taiwan. These decisions are not due to system malfunctions but are instead strategic adjustments based on perceived risk.

As for user self-protection, those concerned about the platform’s safety may consider withdrawing stored value funds or temporarily unbinding their credit cards, while closely monitoring official announcements and FSC updates. These actions can help minimize potential risks, especially for users who frequently conduct high-value transactions.

JKOPay was founded in 2017 and is an FSC-approved dedicated electronic payment provider. Its parent company, JKO Fintech, was established in 2012. Under the leadership of founder Hu Yi-Chia, the parent company has a capital of NT$1.05 billion, while JKOPay’s capital stands at approximately NT$610 million. As of March 2025, JKOPay had over 6.739 million users, ranking among the top three e-payment platforms in Taiwan, widely favored by households and businesses for use cases like bill payments, shopping, and online checkouts.

JKOPay has long been known for its user-friendly interface and comprehensive features. However, the legal dispute over the parent company’s shares and assets has begun to affect user and merchant confidence, resulting in a wave of withdrawals and suspended usage. The FSC has requested JKOPay to submit a full report by July 21 to reinforce market confidence and protect user rights.

In summary, JKOPay continues to operate under lawful supervision with a fully intact trust mechanism protecting user funds. There have been no signs of financial irregularities or fund losses. While the parent company’s legal troubles persist, the actual impact on users remains limited. For those concerned about future uncertainties, withdrawing a portion of funds and staying informed through FSC and JKOPay’s official updates remains a prudent and rational course of action.