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The payments atlas

Global markets.
Local payment realities.

Explore the rails and methods behind each market.
Browse all 52 country guides

52 country guides

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Guide coverageSoutheast Asia

Explore our country guides using the directory below.

Geographic overview · not live transactions

52 markets available

Argentina flag

Argentina

Latin America

Currency

ARS

Rail

Transferencias 3.0 (universal QR interoperability via CVU/CBU)

Mercado Pago (Mercado Libre fintech)Credit Cards (with installments / cuotas)Debit Cards (Visa / Mastercard / Cabal)
Australia flag

Australia

Oceania

Currency

AUD

Rail

New Payments Platform (NPP) / PayID

Cards (Visa / Mastercard / eftpos)Digital Wallets (Apple Pay / Google Pay)NPP / PayID (real-time A2A)
Bangladesh flag

Bangladesh

South Asia

Currency

BDT

Rail

NPSB bank–MFS–PSP interoperability; confirm provider and account reachability

bKash (MFS)Nagad (MFS)Rocket (MFS)
Belgium flag

Belgium

Europe

Currency

EUR

Rail

SEPA Instant for participating bank transfers; wallet product routes differ

Bancontact cardVisa / MastercardBancontact Pay
Brazil flag

Brazil

Latin America

Currency

BRL

Rail

Pix

PixCredit Card (parcelamento)Boleto Bancário
Canada flag

Canada

North America

Currency

CAD

Rail

Interac e-Transfer (proprietary); RTR (target launch Q4 2026; phased onboarding through 2027)

Interac e-Transfer (P2P + B2B)Interac Debit (domestic in-person)Cards (Visa / Mastercard credit)
Chile flag

Chile

Latin America

Currency

CLP

Rail

Khipu (A2A) + interbank transfers via TEF (BancoEstado-anchored)

RedCompra (Transbank domestic debit)Cards (Visa / Mastercard)MACH (BCI digital wallet)
China flag

China

East Asia

Currency

CNY

Rail

CNAPS interbank payment systems

AlipayWeChat PayUnionPay (card + Cloud QuickPass)
Colombia flag

Colombia

Latin America

Currency

COP

Rail

Bre-B (launched September 2025; BR-operated, alias-based)

PSE (Pagos Seguros en Línea)Cards (Visa / Mastercard, with installments)Nequi (Bancolombia digital wallet)
Costa Rica flag

Costa Rica

Latin America

Currency

CRC

Rail

SINPE Móvil (BCCR-operated, launched 2015)

SINPE Móvil (BCCR)Cards (Visa/Mastercard)ATH Móvil (Banco Popular)
Côte d'Ivoire flag

Côte d'Ivoire

Africa

Currency

XOF

Rail

Mobile money (Orange Money, MTN MoMo, Wave)

Orange MoneyMTN MoMoWave
Denmark flag

Denmark

Europe

Currency

DKK

Rail

Instant bank transfers are available; merchant products vary

DankortVisa / MastercardMobilePay
Egypt flag

Egypt

Africa

Currency

EGP

Rail

InstaPay (launched 2022)

Meeza Cards (domestic debit + prepaid)Mobile WalletsInstaPay (instant A2A transfers)
Ethiopia flag

Ethiopia

Africa

Currency

ETB

Rail

Telebirr (telco-led) + EthSwitch (interbank)

Telebirr (Ethio Telecom)CBE Birr (Commercial Bank of Ethiopia)Cash
Finland flag

Finland

Europe

Currency

EUR

Rail

Siirto (Finnish instant P2P, managed by Siirto Brand Oy); SEPA SCT Inst (EU Instant Credit Transfer)

Visa / MastercardMobilePayOnline banking (Verkkopankki)
France flag

France

Europe

Currency

EUR

Rail

SEPA Instant Credit Transfer (SCT Inst)

Cartes Bancaires (CB)International cardsPayPal and supported wallets
Germany flag

Germany

Europe

Currency

EUR

Rail

SCT Inst (SEPA Instant Credit Transfer), consumer-facing via Wero

PayPalInvoice (Kauf auf Rechnung)Lastschrift (SEPA DD)
Ghana flag

Ghana

Africa

Currency

GHS

Rail

Mobile money networks and GhIPSS Instant Pay (bank rail)

Mobile money walletsGhIPSS Instant Pay and other bank transfersDomestic and international cards
Hong Kong flag

Hong Kong

East Asia

Currency

HKD

Rail

Faster Payment System (FPS)

Cards (Visa / Mastercard / UnionPay)FPS (HKD / RMB transfers)AlipayHK
India flag

India

South Asia

Currency

INR

Rail

UPI

UPI (PhonePe / Google Pay)Credit & Debit CardsNet Banking / NEFT
Indonesia flag

Indonesia

Southeast Asia

Currency

IDR

Rail

BI-FAST

E-wallets (GoPay / OVO / ShopeePay / DANA)Bank Transfer / Virtual AccountsBI-FAST (real-time A2A)
Italy flag

Italy

Europe

Currency

EUR

Rail

SEPA Instant Credit Transfer (SCT Inst) for bank transfers; wallet products use separate account models

Bancomat (debit)Cards (Visa/Mastercard)Satispay
Japan flag

Japan

East Asia

Currency

JPY

Rail

Zengin System

Credit Cards (Visa / Mastercard / JCB)PayPay (QR wallet)Konbini Cash Payment
Kenya flag

Kenya

Africa

Currency

KES

Rail

M-Pesa (telco-led, dominant) + PesaLink (bank-to-bank, 2017)

M-Pesa (Safaricom)PesaLink (bank-to-bank instant)Cards (Visa / Mastercard)
Malaysia flag

Malaysia

Southeast Asia

Currency

MYR

Rail

DuitNow

Cards (Visa / Mastercard)DuitNow / FPX (A2A & online banking)Touch 'n Go eWallet
Mexico flag

Mexico

Latin America

Currency

MXN

Rail

SPEI

Debit CardCash (including OXXO Pay)SPEI (real-time bank transfer)
Morocco flag

Morocco

Africa

Currency

MAD

Rail

Virement Instantané (launched June 2023, GSIMT-operated, <20s)

Cards (via CMI)CashM-Wallets (MarocPay, Cash Plus, Inwi Money)
Netherlands flag

Netherlands

Europe

Currency

EUR

Rail

iDEAL | Wero (phased migration); SEPA Instant Credit Transfer

iDEALMastercard / Visa debitPayPal
Nigeria flag

Nigeria

Africa

Currency

NGN

Rail

NIBSS Instant Payment (NIP)

NIP Bank TransferMobile Wallets (OPay / PalmPay / Moniepoint)Cards (Verve / Visa / Mastercard)
Norway flag

Norway

Europe

Currency

NOK

Rail

NICS Real (instant bank transfers)

Visa / MastercardBankAxeptVipps
Pakistan flag

Pakistan

South Asia

Currency

PKR

Rail

Raast (launched 2021)

Raast (SBP instant A2A)JazzCash (Jazz/Veon wallet)EasyPaisa (Telenor/Alipay wallet)
Peru flag

Peru

Latin America

Currency

PEN

Rail

Yape-Plin interoperability; CCE immediate transfers

Yape (BCP/Credicorp wallet)Plin (participating bank apps)Cards (Visa / Mastercard)
Philippines flag

Philippines

Southeast Asia

Currency

PHP

Rail

InstaPay

GCashCash / CODCards (Visa / Mastercard)
Poland flag

Poland

Europe

Currency

PLN

Rail

Express Elixir (KIR-operated) + BLIK (PSP-operated mobile layer)

BLIK (6-digit code A2A)Cards (Visa / Mastercard)Bank Transfer (Express Elixir / Elixir)
Rwanda flag

Rwanda

Africa

Currency

RWF

Rail

MTN MoMo + RSwitch (national interbank switch)

MTN MoMo RwandaAirtel Money RwandaCards (Visa/Mastercard)
Saudi Arabia flag

Saudi Arabia

Middle East

Currency

SAR

Rail

Instant retail transfers and high-value SARIE RTGS

Mada (domestic debit + e-com)International cards (Visa / MC, co-badged)STC Pay (now stc Bank)
Senegal flag

Senegal

Africa

Currency

XOF

Rail

Mobile money (Wave, Orange Money, Free Money)

WaveOrange MoneyFree Money (Yas)
Singapore flag

Singapore

Southeast Asia

Currency

SGD

Rail

PayNow

PayNow (A2A via FAST)Cards (credit and debit)NETS and SGQR acceptance
South Africa flag

South Africa

Africa

Currency

ZAR

Rail

PayShap (launched March 2023)

Cards (Visa / Mastercard)Bank transfer and provider bank-pay methodsPayShap
South Korea flag

South Korea

East Asia

Currency

KRW

Rail

Interbank Transfer (KFTC)

Credit & Debit CardsKakaoPay / Naver PayBank Transfer / Open Banking
Spain flag

Spain

Europe

Currency

EUR

Rail

Bizum (SCT Inst)

Cards (Visa / Mastercard)Bizum (instant A2A)PayPal
Sri Lanka flag

Sri Lanka

South Asia

Currency

LKR

Rail

LANKAQR (QR interoperability); JustPay (CBSL common payment interface); LankaPay CEFTS (Credit Card and Electronic Fund Transfer Switch)

LANKAQR / QR paymentsBank transfer / internet bankingVisa / Mastercard debit
Sweden flag

Sweden

Europe

Currency

SEK

Rail

Swish (P2P and merchant); Bankgirot BiR (Betalningar i Realtid)

Visa / MastercardSwishKlarna / BNPL
Switzerland flag

Switzerland

Europe

Currency

CHF

Rail

TWINT (A2A mobile payments); SIC (Swiss Interbank Clearing, CHF RTGS and instant)

Visa / MastercardTWINTPayPal
Tanzania flag

Tanzania

Africa

Currency

TZS

Rail

TIPS (Tanzania Instant Payment System, BoT) + mobile money networks

Vodacom M-Pesa TanzaniaMixx (Tigo Pesa)Airtel Money
Thailand flag

Thailand

Southeast Asia

Currency

THB

Rail

PromptPay

PromptPay (QR / A2A)Cards (Visa / Mastercard)TrueMoney / Wallets
Turkey flag

Turkey

Middle East

Currency

TRY

Rail

FAST (Fonların Anlık ve Sürekli Transferi, launched January 2021)

Cards (Visa / Mastercard)TROY (domestic card scheme, BKM-owned)FAST (TCMB instant A2A)
United Arab Emirates flag

United Arab Emirates

Middle East

Currency

AED

Rail

Aani

Cards (Visa / Mastercard / Amex)Apple Pay / Digital WalletsAani (real-time A2A)
United Kingdom flag

United Kingdom

Europe

Currency

GBP

Rail

Faster Payments

Debit Card (Visa Debit dominant)Faster Payments (A2A)Bacs Direct Debit (recurring bills)
United States flag

United States

North America

Currency

USD

Rail

FedNow / RTP

Credit and debit cardsACH (payroll / invoices / recurring)Digital wallets
Uruguay flag

Uruguay

Latin America

Currency

UYU

Rail

Instant transfers via the BCU's Sistema de Pagos Rápidos (SPR)

CardsInstant bank transfersCash-payment networks
Vietnam flag

Vietnam

Southeast Asia

Currency

VND

Rail

NAPAS 247

Bank Transfer / NAPAS 247Cash / CODMoMo