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PAYMENT NETWORKS

Global instant payment networks

Real-time payment rails, mobile money, and instant transfer systems across every region. Click any row to expand details.

PAYMENT NETWORKS

76

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NETWORK

COUNTRY

CURRENCY

LAUNCHED

PAYMENT TYPES

REGION

AaniAani (Instant Payment Platform)

🇦🇪United Arab Emirates

AED (UAE Dirham)

Aani🇦🇪 United Arab Emirates · AED (UAE Dirham)

AfaqAfaq (GCC RTGS Payment System)

🏳️Saudi Arabia, Kuwait, Bahrain, expanding to UAE, Oman, Qatar

SAR, KWD, BHD, and expanding to all 6 GCC currencies

2023 (phased rollout)

Cross-border RTGS transfers, Intra-GCC payments in local currencies

Afaq🏳️ Saudi Arabia, Kuwait, Bahrain, expanding to UAE, Oman, Qatar · SAR, KWD, BHD, and expanding to all 6 GCC currencies

AFR Instant PaymentsAzonnali Fizetési Rendszer (AFR)

🇭🇺Hungary

HUF (Hungarian Forint)

AFR Instant Payments🇭🇺 Hungary · HUF (Hungarian Forint)

AlipayAlipay (支付宝)

CNY (Chinese Yuan Renminbi)

P2P, P2B (online and in-store) +6

Alipay🇨🇳 China · CNY (Chinese Yuan Renminbi)

ArCa PayArCa Pay (Instant Money Transfer Platform)

🇦🇲Armenia

AMD (Armenian Dram)

P2P (instant phone number-based transfers), Interbank instant transfers +1

Caucasus & C. Asia

ArCa Pay🇦🇲 Armenia · AMD (Armenian Dram)

Caucasus & C. Asia

Azerbaijan Digital PaymentsAzerbaijan Payment Infrastructure

🇦🇿Azerbaijan

AZN (Azerbaijani Manat)

Various (no dedicated national IPS yet)

Card payments (Visa, Mastercard, UnionPay), Digital wallet payments +2

Caucasus & C. Asia

Azerbaijan Digital Payments🇦🇿 Azerbaijan · AZN (Azerbaijani Manat)

Caucasus & C. Asia

🇰🇭Cambodia

KHR (Cambodian Riel), USD (US Dollar)

Bakong🇰🇭 Cambodia · KHR (Cambodian Riel), USD (US Dollar)

Bancomat PayBancomat Pay

Bancomat Pay🇮🇹 Italy · EUR (Euro)

BI-FASTBank Indonesia - Fast Payment

🇮🇩Indonesia

IDR (Indonesian Rupiah)

BI-FAST🇮🇩 Indonesia · IDR (Indonesian Rupiah)

P2P, P2B (online and in-store) +3

Bizum🇪🇸 Spain · EUR (Euro)

PLN (Polish Złoty)

P2P (phone number-based), Online payments (6-digit code) +4

BLIK🇵🇱 Poland · PLN (Polish Złoty)

Bre-BBanco de la República en Línea

🇨🇴Colombia

COP (Colombian Peso)

Bre-B🇨🇴 Colombia · COP (Colombian Peso)

BunaBuna (Arab Regional Payment System)

🏳️Pan-Arab (multiple Arab countries)

AED, EGP, USD, EUR, JOD, SAR, and expanding

Cross-border instant transfers, Multi-currency payments +1

Buna🏳️ Pan-Arab (multiple Arab countries) · AED, EGP, USD, EUR, JOD, SAR, and expanding

CoDiCobro Digital

MXN (Mexican Peso)

QR Code payments, NFC payments +3

CoDi🇲🇽 Mexico · MXN (Mexican Peso)

Digital RubleDigital Ruble (Цифровой рубль) - CBDC

RUB (Russian Ruble - digital)

2025 (active testing phase)

Digital Ruble🇷🇺 Russia · RUB (Russian Ruble - digital)

DiMoDinero Móvil

MXN (Mexican Peso)

P2P, Phone number-based transfers +1

DiMo🇲🇽 Mexico · MXN (Mexican Peso)

🇲🇾Malaysia

MYR (Malaysian Ringgit)

DuitNow🇲🇾 Malaysia · MYR (Malaysian Ringgit)

RWF (Rwandan Franc)

eKash🇷🇼 Rwanda · RWF (Rwandan Franc)

ELQRELQR (Kyrgyzstan QR Payment System)

🇰🇬Kyrgyzstan

KGS (Kyrgyzstani Som)

QR Code payments, P2P +2

Caucasus & C. Asia

ELQR🇰🇬 Kyrgyzstan · KGS (Kyrgyzstani Som)

Caucasus & C. Asia

EthSwitchEthSwitch

🇪🇹Ethiopia

ETB (Ethiopian Birr)

Interbank switching, ATM interoperability +2

EthSwitch🇪🇹 Ethiopia · ETB (Ethiopian Birr)

Express ElixirExpress Elixir

PLN (Polish Złoty)

Instant credit transfers, P2P +2

Express Elixir🇵🇱 Poland · PLN (Polish Złoty)

FASTFonların Anlık ve Sürekli Transferi (Fast and Continuous Transfer of Funds)

TRY (Turkish Lira)

FAST🇹🇷 Turkey · TRY (Turkish Lira)

Faster PaymentsFaster Payments Service (FPS)

🇬🇧United Kingdom

GBP (British Pound Sterling)

Faster Payments🇬🇧 United Kingdom · GBP (British Pound Sterling)

FawateerFawateer (Electronic Bill Presentment and Payment)

🇧🇭Bahrain

BHD (Bahraini Dinar)

Bill presentment, Bill payment +1

Fawateer🇧🇭 Bahrain · BHD (Bahraini Dinar)

FAWRANFAWRAN (Qatar Instant Payment System)

QAR (Qatari Riyal)

FAWRAN🇶🇦 Qatar · QAR (Qatari Riyal)

Fawri+Fawri+ (Instant Payment System)

🇧🇭Bahrain

BHD (Bahraini Dinar)

Fawri+🇧🇭 Bahrain · BHD (Bahraini Dinar)

FPS (Hong Kong)Faster Payment System

🇭🇰Hong Kong SAR

HKD (Hong Kong Dollar), CNY (Chinese Yuan)

FPS (Hong Kong)🇭🇰 Hong Kong SAR · HKD (Hong Kong Dollar), CNY (Chinese Yuan)

Georgia Instant PaymentsNational Bank of Georgia RTP System

🇬🇪Georgia

GEL (Georgian Lari)

2023-2024 (rollout phase)

P2P, Instant interbank transfers +1

Caucasus & C. Asia

Georgia Instant Payments🇬🇪 Georgia · GEL (Georgian Lari)

Caucasus & C. Asia

GhIPSS Instant Pay (GIP)Ghana Interbank Payment and Settlement Systems Instant Pay

GHS (Ghanaian Cedi)

GhIPSS Instant Pay (GIP)🇬🇭 Ghana · GHS (Ghanaian Cedi)

HUMO / UZCARDHUMO and UZCARD (National Card Payment Systems)

🇺🇿Uzbekistan

UZS (Uzbekistani Som)

2018 (HUMO) / 2004 (UZCARD)

Debit cards, Credit cards +3

Caucasus & C. Asia

HUMO / UZCARD🇺🇿 Uzbekistan · UZS (Uzbekistani Som)

Caucasus & C. Asia

🇳🇱Netherlands

Online bank transfers, E-commerce checkout +2

iDEAL🇳🇱 Netherlands · EUR (Euro)

IdramIdram (Digital Wallet)

🇦🇲Armenia

AMD (Armenian Dram)

2004 (digital wallet, QR payments from 2020s)

Caucasus & C. Asia

Idram🇦🇲 Armenia · AMD (Armenian Dram)

Caucasus & C. Asia

IPNInstant Payment Network

EGP (Egyptian Pound)

IPN🇪🇬 Egypt · EGP (Egyptian Pound)

Kazakhstan IPSKazakhstan Instant Payment System / Unified National QR

🇰🇿Kazakhstan

KZT (Kazakhstani Tenge)

Instant interbank transfers, Unified QR Code payments +2

Caucasus & C. Asia

Kazakhstan IPS🇰🇿 Kazakhstan · KZT (Kazakhstani Tenge)

Caucasus & C. Asia

QR Code payments, P2P +2

Lao QR🇱🇦 Laos · LAK (Lao Kip)

M-PesaM-Pesa (Mobile Pesa / Mobile Money)

🏳️Kenya, Tanzania, DRC, Mozambique, Lesotho, Ghana, Egypt

KES (Kenyan Shilling), TZS, CDF, MZN, LSL, GHS, EGP

P2P, P2B (Lipa na M-Pesa / Buy Goods / Paybill) +6

M-Pesa🏳️ Kenya, Tanzania, DRC, Mozambique, Lesotho, Ghana, Egypt · KES (Kenyan Shilling), TZS, CDF, MZN, LSL, GHS, EGP

MASAV Faster PaymentsMASAV Faster Payments (Immediate Payments)

ILS (Israeli New Shekel)

2020 (Faster Payments overlay)

P2P (instant transfers), Merchant payments (expanding) +2

MASAV Faster Payments🇮🇱 Israel · ILS (Israeli New Shekel)

🇵🇹Portugal

P2P, P2B (online and in-store) +3

MB WAY🇵🇹 Portugal · EUR (Euro)

MirMir (Мир) National Card Payment System

RUB (Russian Ruble)

2015-12 (first cards) / 2017-05-01 (law formalized)

Credit cards, Debit cards +5

Mir🇷🇺 Russia · RUB (Russian Ruble)

New Zealand PaymentsNew Zealand Electronic Funds Transfer / SBI Payments

🇳🇿New Zealand

NZD (New Zealand Dollar)

Various (no single national IPS like NPP yet)

EFT (Electronic Funds Transfer), Direct credits/debits +2

New Zealand Payments🇳🇿 New Zealand · NZD (New Zealand Dollar)

NIPNIBSS Instant Payment

🇳🇬Nigeria

NGN (Nigerian Naira)

NIP🇳🇬 Nigeria · NGN (Nigerian Naira)

NPPNew Payments Platform

🇦🇺Australia

AUD (Australian Dollar)

P2P (Osko), P2B +6

NPP🇦🇺 Australia · AUD (Australian Dollar)

OskoOsko by BPAY

🇦🇺Australia

AUD (Australian Dollar)

P2P instant transfers, P2B payments +2

Osko🇦🇺 Australia · AUD (Australian Dollar)

PAPSSPan-African Payment and Settlement System

🏳️Pan-African (54 countries target)

Multiple African local currencies

Cross-border instant transfers, Local currency settlement +1

PAPSS🏳️ Pan-African (54 countries target) · Multiple African local currencies

PayconiqPayconiq by Bancontact

🏳️Belgium, Netherlands, Luxembourg

P2P, P2B (in-store QR, online) +2

Payconiq🏳️ Belgium, Netherlands, Luxembourg · EUR (Euro)

🇸🇬Singapore

SGD (Singapore Dollar)

PayNow🇸🇬 Singapore · SGD (Singapore Dollar)

🇿🇦South Africa

ZAR (South African Rand)

PayShap🇿🇦 South Africa · ZAR (South African Rand)

🇦🇺Australia

AUD (Australian Dollar)

Authorized pull payments (real-time), Recurring payments +3

PayTo🇦🇺 Australia · AUD (Australian Dollar)

PesaLinkPesaLink

KES (Kenyan Shilling)

PesaLink🇰🇪 Kenya · KES (Kenyan Shilling)

PIXPagamentos Instantâneos

BRL (Brazilian Real)

PIX🇧🇷 Brazil · BRL (Brazilian Real)

POLiPOLi Payments

🏳️Australia, New Zealand

AUD (Australian Dollar), NZD (New Zealand Dollar)

Online bank transfers, E-commerce checkout +1

POLi🏳️ Australia, New Zealand · AUD (Australian Dollar), NZD (New Zealand Dollar)

PromptPayPromptPay

🇹🇭Thailand

THB (Thai Baht)

PromptPay🇹🇭 Thailand · THB (Thai Baht)

QR BCB BoliviaQR BCB Bolivia

🇧🇴Bolivia

BOB (Boliviano)

QR Code payments, P2P +1

QR BCB Bolivia🇧🇴 Bolivia · BOB (Boliviano)

QR PhQR Ph (InstaPay/PESONet QR)

🇵🇭Philippines

PHP (Philippine Peso)

2019 (QR Ph) / 2018 (InstaPay)

QR Ph🇵🇭 Philippines · PHP (Philippine Peso)

QRISQuick Response Code Indonesian Standard

🇮🇩Indonesia

IDR (Indonesian Rupiah)

QR Code payments, P2P via QR +2

QRIS🇮🇩 Indonesia · IDR (Indonesian Rupiah)

SADADSADAD Payment System

🇸🇦Saudi Arabia

SAR (Saudi Riyal)

Bill presentment and payment (EBPP), Utility payments +4

SADAD🇸🇦 Saudi Arabia · SAR (Saudi Riyal)

sariesarie (Instant Payment System)

🇸🇦Saudi Arabia

SAR (Saudi Riyal)

sarie🇸🇦 Saudi Arabia · SAR (Saudi Riyal)

SBP (FPS)Sistema Bystrykh Platezhey / Faster Payments System (Система быстрых платежей)

RUB (Russian Ruble)

P2P (phone number-based), P2B (QR Code retail payments) +6

SBP (FPS)🇷🇺 Russia · RUB (Russian Ruble)

SCT InstSEPA Instant Credit Transfer

🏳️36 SEPA countries (EU/EEA + UK, Switzerland, etc.)

Credit transfers (instant), P2P +3

SCT Inst🏳️ 36 SEPA countries (EU/EEA + UK, Switzerland, etc.) · EUR (Euro)

SINPE MóvilSistema Nacional de Pagos Electrónicos - Móvil

🇨🇷Costa Rica

CRC (Costa Rican Colón)

SINPE Móvil🇨🇷 Costa Rica · CRC (Costa Rican Colón)

SPEISistema de Pagos Electrónicos Interbancarios

MXN (Mexican Peso)

SPEI🇲🇽 Mexico · MXN (Mexican Peso)

SPFSSistema Peredachi Finansovykh Soobshcheniy (System for Transfer of Financial Messages)

RUB (Russian Ruble) + multi-currency

Interbank financial messaging, Domestic and cross-border bank transfers +1

SPFS🇷🇺 Russia · RUB (Russian Ruble) + multi-currency

SEK (Swedish Krona)

P2P, P2B (e-commerce and in-store) +2

Swish🇸🇪 Sweden · SEK (Swedish Krona)

TIPS (Tanzania)Tanzania Instant Payment System

🇹🇿Tanzania

TZS (Tanzanian Shilling)

P2P, Bank-to-mobile money transfers +1

TIPS (Tanzania)🇹🇿 Tanzania · TZS (Tanzanian Shilling)

Transfer365Transfer365

🇸🇻El Salvador

USD (US Dollar)

Transfer365🇸🇻 El Salvador · USD (US Dollar)

Transferencias 3.0Transferencias 3.0

🇦🇷Argentina

ARS (Argentine Peso)

Transferencias 3.0🇦🇷 Argentina · ARS (Argentine Peso)

TROYTROY (National Card Payment Scheme)

TRY (Turkish Lira)

Credit cards, Debit cards +3

TROY🇹🇷 Turkey · TRY (Turkish Lira)

UPIUnified Payments Interface

INR (Indian Rupee)

UPI🇮🇳 India · INR (Indian Rupee)

🇻🇳Vietnam

VND (Vietnamese Dong)

QR Code payments, P2P via QR +2

VietQR🇻🇳 Vietnam · VND (Vietnamese Dong)

Vipps MobilePayVipps MobilePay

🏳️Norway, Denmark, Finland

NOK (Norwegian Krone), DKK (Danish Krone), EUR (Euro)

2015 (Vipps) / 2013 (MobilePay), merged 2022

P2P, P2B (online and in-store) +4

Vipps MobilePay🏳️ Norway, Denmark, Finland · NOK (Norwegian Krone), DKK (Danish Krone), EUR (Euro)

WeChat PayWeChat Pay (微信支付)

CNY (Chinese Yuan Renminbi)

P2P, P2B (online and in-store) +5

WeChat Pay🇨🇳 China · CNY (Chinese Yuan Renminbi)

WeroWero (European Payments Initiative - EPI)

🏳️Germany, France, Belgium, Netherlands, expanding across Europe

EUR (Euro) + currency conversion across Europe

2024 (Germany), expanding 2025-2026

P2P transfers, P2B (e-commerce, in-store) +3

Wero🏳️ Germany, France, Belgium, Netherlands, expanding across Europe · EUR (Euro) + currency conversion across Europe

Yape / Wallet InteroperabilityYape / Peru 24x7 ACH

PEN (Peruvian Sol)

Yape / Wallet Interoperability🇵🇪 Peru · PEN (Peruvian Sol)

ZAHAVZAHAV (Real-Time Gross Settlement)

ILS (Israeli New Shekel)

Large-value RTGS transfers, Urgent payments +2

ZAHAV🇮🇱 Israel · ILS (Israeli New Shekel)

Zengin SystemZengin System (全銀システム)

JPY (Japanese Yen)

1973 (modernized for real-time 2018+)

Zengin System🇯🇵 Japan · JPY (Japanese Yen)

ZIPITZimbabwe Instant Payment Interbank Transfer

🇿🇼Zimbabwe

ZWL (Zimbabwe Dollar) / USD

ZIPIT🇿🇼 Zimbabwe · ZWL (Zimbabwe Dollar) / USD

76 NETWORKS61 COUNTRIES