Notice to Our Valued Customers

In light of the coronavirus outbreak, we wish to inform our customer that we have facilitated below to provide convenience to you as much as possible and also as a measure to minimize travels which is a timely need of the country:

JustPay – Mobile SDK Platform

JustPay platform and all of its services from initial inquiry to onboarding to support can be managed end to end at the convenience of your home or office with the exception of Full Round Testing phase being the only element that required physical presence until recently.

We have made arrangements to conduct Full Round Testing also remotely, taking the entirety of JustPay platform and its services online.

Please visit for more information.

Certificate Charges/Other Costs

There are no changes to applicable charges.

These Changes are in effect until further notice.
Thank you in advance for your corporation.


JustPay© is a brainchild of LankaClear, an initiative that is aptly supported by the Central Bank and all the member banks of LankaPay Common Electronic Fund Transfer (CEFTS) to facilitate secure real-time retail payments below Rs.10,000 under an extremely low tariff scheme. Accordingly, JustPay © will enable customers to make everyday payments by using their Savings or Current account by using smart mobile phones and other smart devices.

JustPay© was initiated as a highly secured payment mechanism with two factor authentication and end to end encryption in addition to further strengthen the security measures taken by banks for mobile applications and internet based transactions according to Central Bank of Sri Lanka (CBSL) approved security standards.

LankaClear anticipates that due to the extreme low transaction cost, smart innovation on the payment options, convenience and highest level of security, JustPay will soon become the primary payment mechanism amongst Sri Lankans for retail payments. To make this a success and prominent, the applications put out to general public has to be extremely simple to use, secure and must support local languages.

Justpay process

JustPay Registration Flow (Cycle 1)

JustPay Registration Flow (Cycle 2)

JustPay Transaction Flow

Customer Onboarding Process


  1. CBSL approval for a mobile app is not only given to JustPay, but it covers any card, account or any other payment option of the app.
  2. CBSL requires the audit company to audit the app in production mode.
  3. Liability of the mobile application is 100% borne by the acquiring bank.
  4. Merchant (app) and bank agreement is a concern of the acquiring bank.

An App on-boarding – What is applicable to LankaClear Vs Acquirer relationship

  1. Submission of relevant forms for Sandbox/UAT
  2. IOS/Android jsons issuance for Sandbox/ UAT(Bank certificate, JustPay cert. SDK)
  3. Establishment of bank network connectivity
  4. Network connectivity testing and confirmation using Bank Tool.
  5. Sandbox/UAT testing & confirmation via screenshot
  6. JustPay Acquirer Certification (CEFTS)
  7. JustPay App Certification
  8. JustPay App Certificate is issued by LankaClear (** only a comply certificate will be issued and if any item is not complied, certificate will not be issued)
  9. Submission of relevant forms for Production
  10. IOS/Android jsons issuance for Production (Bank certificate, JustPay cert. SDK) in active status. (When Production jsons are issued with active status, the app is live. Steps 11-13 does not apply to SDK technical team.)
  11. Discuss and agree the go-live date
  12. Submission of CBSL approval letter by the Acquirer to LankaClear before to the go-live date. (** LankaClear to get an update from PSD contact point pertaining to the app’s audit status)
  13. Go-live
    • What’s the process to follow if the Acquiring Bank changes?
      New acquiring bank should write to CBSL with the change request and mentioning the app changes intend to incorporate. CBSL decides whether the app needs to be re-audited or not. 90% of the time not needed. New acquiring bank also need to obtain CBSL approval to be a JustPay acquirer and to acquire the new app.
    • What’s the process to follow if the merchant changes?
      If the Merchant (app developer/host company) changes it is acquiring bank’s decision to inform us and do a re-certification. Acquirer is liable for the mobile application. This is the same practice for all other LankaPay products. If the switch vendor changes or switch upgrade happens, it’s the bank’s decision to get the switch re-certification. We have informed them if they believe the has an impact to the certified interface, they should.
    • What’s the process to follow if the app is being re-developed by the same or different merchant?'
      Same as above. It is acquiring bank’s decision.

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