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Real Time Payments (CEFTS)

Bringing Sri Lanka’s national payment infrastructure on par with international players.



Streamline your payments with LankaPay real-time payments

Real Time Payments (CEFTS)

In today's fast-paced business environment, every second counts. That's why LankaPay CEFTS is here to revolutionize your payment processes. Our Common Electronic Fund Transfer Switch (CEFTS) enables seamless, real-time fund transfers upto Rs.5 Mn between any LankaPay CEFTS member bank or financial institution, 24/7/365 days a year.

Whether you need to pay suppliers, or employees, or settle invoices, CEFTS offers a convenient and efficient solution. Say goodbye to delays and waiting times – with CEFTS, your payments are processed instantly, allowing you to focus on growing your business without any hindrances.

As a business owner, security is paramount. Rest assured, CEFTS transactions are conducted under the strict guidance and supervision of the Central Bank of Sri Lanka, ensuring compliance with the highest security standards, including PCI-DSS version 3.2.

Don't let outdated payment methods slow you down. Embrace the future of banking with LankaPay CEFTS and streamline your payments like never before!

Explore the advantages for business

  • Efficient cash flow management: CEFTS enables businesses to manage their cash flow more efficiently by facilitating real-time fund transfers. This allows for timely payments to suppliers, employees, and other stakeholders, ensuring smooth operations and minimizing financial disruptions.
  • Enhanced business agility: With the ability to initiate peer-to-peer or corporate payments 24/7, 365 days a year, CEFTS offers businesses greater flexibility and agility in managing their financial transactions. Whether it's responding to urgent payment requests or capitalizing on time-sensitive opportunities, CEFTS empowers businesses to act swiftly and decisively.
  • Streamlined operations: CEFTS simplifies the payment process by providing multiple channels for initiating transactions, including internet banking, mobile banking portals, ATMs, and over-the-counter services. This streamlines payment operations and reduces the administrative burden associated with traditional payment methods, saving businesses time and resources.
  • Enhanced security: Operating under the guidance and supervision of the Central Bank of Sri Lanka, CEFTS adheres to stringent security standards, including PCI-DSS version 3.2. This ensures that businesses can conduct transactions with confidence, knowing that their financial data is protected against unauthorized access and fraud
  • Cost savings: CEFTS offers businesses cost-effective fund transfer solutions with maximum customer charges regulated by the Central Bank. By minimizing transaction fees and eliminating the need for costly manual processes associated with traditional payment methods, CEFTS helps businesses save money and improve their bottom line.
  • Competitive advantage: By leveraging the speed, convenience, and security of CEFTS, businesses can gain a competitive edge in the market. The ability to execute real-time payments and respond quickly to changing market conditions can differentiate businesses from their competitors and enhance customer satisfaction and loyalty.

Discover real-time payments from your preferred financial institution

Statistics

Statistics for financial year ending 30th September 2024

47

Number of participants

164.3 Million

Transaction volume

13.5 Trillion

Transaction value

Verify the account number formats, before you initiate the fund transfer

Financial Institution Account Number Format
Amana Bank PLC 13 digits for any account number
Asia Asset Finance PLC 12 digits for any account number
Bank of Ceylon 10 digits for any account number, without the branch code
Bank of China Limited 15 digits for any account number
Cargills Bank PLC 12 digits for any account number
CBC Finance Limited 10 digits for any account number
Central Finance PLC 12 digits for any account number
Citibank, N.A. 10 digits for any account number
Citizen Development Business Finance PLC 18 digits for any account number
Commercial Bank of Ceylon PLC 10 digits for any account number
Commercial Credit & Finance PLC 06 digits account number
Deutsche Bank AG 10 digits for any account number
DFCC Bank PLC 12 digits for any account number
Dialog Finance PLC 12 digits for any account number
Fintrex Finance PLC 13 digits for any account number
Habib Bank Limited 13 digits for any account number
Hatton National Bank PLC 12 digits for any account number
HDFC Bank 12 digits for any account number
HNB Finance PLC 12 digits for any account number
Hongkong & Shanghai Banking Corporation Limited 12 digits for any account number
Indian Bank 12 digits for any account number
Indian Overseas Bank 12 digits for any account number
L B Finance PLC 15 digits for any account number
LOLC Finance PLC 11 digits for any account number
MCB Bank Limited 12 digits for any account number
Mercantile Investments & Finance PLC Maximum 16 digits for account number
Merchant Bank of Sri Lanka & Finance PLC 12 digits for any account number
National Development Bank PLC 12 digits for any account number
National Savings Bank 12 digits for any account number
Nations Trust Bank PLC 12 digits for any account number
Pan Asia Banking Corporation PLC 12 digits for any account number
People Leasing & Finance PLC 12 digits for any account number
People's Bank 15 digits for any account number
Public Bank Berhad 13 digits for any account number
Regional Development Bank 12 digits for any account number
Richard Pieris Finance Limited 12 digits for any account number
Sampath Bank PLC 12 digits for any account number
SANASA Development Bank Limited 10 digits for any account number
Sarvodhaya Development Finance Limited 12 digits for any account number
Senkadagala Finance PLC 12 digits for any account number
Seylan Bank PLC 15 digits for any account number
Singer Finance (Lanka) PLC 12 digits for any account number
Softlogic Finance PLC 12 digits for any account number
Standard Chartered Bank 11 digits for any account number
State Bank of India 14 digits for any account number
Union Bank of Colombo PLC 16 digits for any account number
Vallibel Finance PLC 12 digits for any account number

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LankaPay is the national payment network of Sri Lanka which provides the central payment infrastructure to the country’s financial sector. With a mission to drive financial inclusivity and empower businesses and individuals with faster, convenient and secure payment options, making payment convenience an affordable and accessible choice for all.


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