22 country guides to the payment rails businesses actually use, including PromptPay, FAST, NAPAS and UPI. What each system does, how fast it settles and how it compares with its neighbours.
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The NPP, BECS, and RITS explained and compared โ real-time vs. batch payments in Australia, and why BECS is being retired entirely by 2030.
BEFTN, NPSB, and BD-RTGS explained and compared โ real-time vs. batch, and small-value vs. large-value payments in Bangladesh.
Brunei's RTGS and ACH systems explained, plus tarus โ the country's first instant payment system, launched March 2025.
Bakong, KHQR, and the legacy FAST/CSS systems explained โ how Cambodia's blockchain-based rail moves both KHR and USD in under five seconds.
CNAPS's HVPS and BEPS, plus IBPS and CIPS explained and compared โ real-time vs. batch, and domestic vs. cross-border RMB payments in China.
FPS and CHATS explained and compared โ real-time retail transfers vs. large-value RTGS settlement, in HKD, RMB, USD, and EUR, in Hong Kong.
UPI, NEFT, RTGS, and IMPS explained and compared โ real-time vs. batch, and small-value vs. large-value payments in India's four-rail system.
BI-FAST, SKNBI, and BI-RTGS explained and compared โ real-time vs. batch, and small-value vs. large-value payments in Indonesia.
The Zengin System and BOJ-NET explained and compared โ real-time messaging vs. deferred net settlement, and the JPY 100 million threshold that splits them.
LaPASS and LAPNet explained and compared โ real-time gross settlement vs. retail interbank connectivity in Laos, plus its cross-border QR links.
DuitNow, Interbank GIRO, and RENTAS+ explained and compared โ real-time vs. batch, and small-value vs. large-value payments in Malaysia.
CBM-NET's RTGS and ACH functions, plus MyanmarPay (MMQR), explained and compared โ real-time vs. batch payments in Myanmar, and current transaction limits.
Nepal's Retail Payment Switch (RPS) and RTGS explained and compared, plus the new UPI-NPI cross-border link with India, live since June 2026.
ESAS, SBI, and New Zealand's forthcoming real-time payments network explained and compared โ why NZ still runs on frequent-batch settlement.
Raast and PRISM+ explained and compared โ real-time retail payments vs. high-value RTGS settlement in Pakistan, plus the new Raast-Buna cross-border link.
InstaPay, PESONet, and PhilPaSS Plus explained and compared โ real-time vs. batch, and small-value vs. large-value payments in the Philippines.
FAST, PayNow, GIRO, and MEPS+ explained and compared โ real-time vs. batch, and small-value vs. large-value payments in Singapore.
BOK-Wire+ and the KFTC's retail payment systems explained and compared โ large-value RTGS vs. retail net settlement in South Korea.
CEFTS, SLIPS, and LankaSettle (RTGS) explained and compared โ real-time vs. batch, and small-value vs. large-value payments in Sri Lanka.
CIFS, FISC's Interbank Remittance System, and the Taiwan Clearing House's ACH explained and compared โ real-time vs. batch payments in Taiwan.
PromptPay, ITMX, and BAHTNET explained and compared โ real-time retail transfers vs. high-value RTGS settlement in Thailand.
NAPAS 247, VietQR, NAPAS ACH and the SBV's IBPS explained and compared โ real-time vs. batch, and small-value vs. large-value payments in Vietnam.