Common Card & Payment Switch (CCAPS) / LankaPay Common Electronic Fund Transfer Switch (CEFTS)
Introduction for CEFTS
The Common Electronic Fund Transfer Switch (CEFTS) is an integral part of Sri Lanka’s trusted national payment network, which is operated by LankaClear under the approval and guidance of the Central Bank of Sri Lanka.

The CEFTS is supporting on-line real time fund transfers/payments between LankaPay-CEFTS Members to enable bank customers to initiate transactions at any given time of the day and to make payments through ATMs, mobile phones, Internet etc. even during non-banking hours.

Lanka Clear has revolutionized payment systems in Sri Lanka by launching Common Electronic Fund Transfer Switch (CEFTS) as a real time bank transfers for payments within seconds and electronic payment to be done by customers 24×7 and 365 days of the year.

LankaPay-CEFTS currently operating with the 34 participating Banks and Financial Institutions.

1.     Bank of Ceylon 19.  Union Bank of Colombo
2.     Standard Charted Bank 20.  Pan Asia Bank 
3.     Citibank N A 21.  ICICI Bank
4.     Commercial Bank of Ceylon 22.  DFC Bank
5.     Habib Bank  23.  Amana Bank
6.     Hatton National Bank  24.  Axis Bank
7.     HSBC Bank 25.  Cargills Bank 
8.     Indian Bank 26.  National Savings Bank
9.     Indian Overseas Bank 27.  Sanasa Development Bank
10.  Peoples Bank 28.  CDB Finance
11.  State Bank of India 29.  Regional Development Bank
12.  Nations Trust Bank  30.  LB Finance 
13.  Deutsche Bank  31.  Senkadagala Finance 
14.  NDB Bank  32.  Commercial Leasing and Finance 
15.  MCB Bank 33.  Central Finance 
16.  Sampath Bank  34.  LOLC Finance 
17.  Seylan Bank 35.  Bimputh Finance
18.  Public Bank 36.  BRAC Finance
Remaining other commercial banks are operating in Sri Lanka have committed to this national initiative and they are already in the process of integrating to the system.
Further, some financial institutes are also in the process of integrating to LankaPay CEFTS.