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NAPS (National ATM & POS Switch / QPAY)

Country: Qatar (QA)  |  Payment Rail: card_network

Card Market Adoption: 85%

NAPS is Qatar's national interbank debit card switch operated by the Qatar Central Bank (QCB), providing secure local debit card clearing for e-commerce, government portal payments, and retail checkout.

🔄 User Payment Flow

  1. Customer selects NAPS / Local Debit Card at merchant checkout
  2. Customer enters Qatari debit card number, expiry date, and PIN/CVV on the QCB QPAY secure gateway
  3. Customer enters OTP SMS code received from the issuing Qatari bank
  4. Payment is approved instantly and customer is redirected back to merchant site

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API initiates NAPS transaction via payment gateway (QNB / PayTabs / HyperPay / Tap)
  • Gateway redirects customer to QPAY NAPS hosted clearing page
  • Gateway captures bank clearance callback and sends instant fulfillment webhook

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Tap Payments🔌 HyperPay🔌 PayTabs