LankaPay JustPay
Country: Sri Lanka (LK) | Payment Rail: bank_clearing
OnlineBanking
Market Adoption: 20%
LankaPay JustPay is Sri Lanka national retail account-to-account direct debit payment system, featuring real-time bank clearing with low transaction fees for online checkouts, recurring utility bills, and low-value mobile transactions.
🔄 User Payment Flow
- Customer selects LankaPay JustPay / Bank Transfer at checkout
- Customer selects their Sri Lankan bank (BOC, Commercial Bank, HNB, Sampath, People Bank)
- Customer enters account details and approves debit via banking app 2FA / OTP
- LankaPay CEFT executes instant account debit and notifies merchant immediately
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant checkout passes transaction request to gateway (PayHere / DirectPay)
- Gateway initiates JustPay direct bank transfer protocol
- LankaPay switch provides instantaneous irrevocable settlement confirmation