Systems Over SignalsCross-border links between instant payment systems
Every live bilateral link between national instant payment or QR systems, with the multilateral projects that may replace them.
27live bilateral links
23merchant QR links, mostly for travellers
4person-to-person transfer links
0links with usage published by a central bank
The registry
Newest first. Entries marked in amber rest on institutional summaries or press lists and are being checked against operator or central bank releases.
| Economies | Systems | Type | Direction | Stage | Launch | Published usage | Source |
|---|---|---|---|---|---|---|---|
| Cambodia – India | KHQR (ACLEDA) UPI | QR merchant | one-way; reverse leg planned | Launched | 2026 | none | Vajiram and Ravi UPI country list (Jun 2026) press; verify |
| Qatar – India | QNB merchant POS (NETSTARS) UPI | QR merchant | one-way (Indian travellers) | Launched | 2025-09 | none | Business Today 24 Sep 2025 press |
| China (Mainland) – Hong Kong | IBPS FPS | P2P remittance | two-way | Launched | 2025-06-22 | none (6 institutions each side at launch) | HKMA press release 20 Jun 2025 primary |
| Lao PDR – Vietnam | LAOQR VietQR | QR merchant | two-way | Launched | 2025-01 | none | AMRO PP/25-02 institutional secondary |
| Cambodia – Malaysia | KHQR DuitNow | QR merchant | two-way | Launched | 2024-09 | none | AMRO PP/25-02 institutional secondary |
| India; Malaysia; Philippines; Singapore; Thailand | Nexus hub national fast payment systems | P2P remittance | multilateral | Planned (aims to go live by 2027) | 2024-06 | none | IMF SIP/2026/013 institutional secondary |
| Thailand – Lao PDR | Thai QR LAOQR | QR merchant | two-way | Launched | 2024-04 | none | AMRO PP/25-02 institutional secondary |
| Mauritius – India | Mauritius merchants / IPS app UPI | QR merchant | two-way (travellers) | Launched | 2024-02-12 | none | Bank of Mauritius-RBI release primary |
| Sri Lanka – India | LankaPay UPI | QR merchant | one-way (Indian travellers) | Launched | 2024-02-12 | none | Vajiram and Ravi; launch reported by The Week (PTI) press |
| France – India | Lyra / Worldline merchant acceptance UPI | QR merchant | one-way (Indian travellers) | Launched | 2024-02 | none | Vajiram and Ravi UPI country list (Jun 2026) press; verify against NIPL |
| Nepal – India | Fonepay UPI | QR merchant | one-way (Indian travellers) | Launched | 2024 | none | Vajiram and Ravi UPI country list (Jun 2026) press; verify against NRB/NIPL |
| Cambodia – Vietnam | KHQR VietQR | QR merchant | two-way | Launched | 2023-12 | none | AMRO PP/25-02 institutional secondary |
| Hong Kong – Thailand | FPS QR Thai QR | QR merchant | two-way | Launched | 2023-12 | none | AMRO PP/25-02 institutional secondary |
| Indonesia – Singapore | QRIS NETS QR | QR merchant | two-way | Launched | 2023-11 | none | AMRO PP/25-02 institutional secondary |
| Malaysia – Singapore | DuitNow PayNow | P2P remittance | two-way | Launched | 2023-11 | none | AMRO PP/25-02 institutional secondary |
| Cambodia – Lao PDR | KHQR LAOQR | QR merchant | two-way | Launched | 2023-08 | none | AMRO PP/25-02 institutional secondary |
| United Arab Emirates – India | AANI UPI | P2P remittance | two-way | Agreed (MoU Jul 2023) | 2023-07 | none | RBI-CBUAE MoU 15 Jul 2023 (Business Standard) press; live status to verify |
| Sweden; Denmark; Finland | P27 Nordic platform national account-to-account | domestic and cross-border clearing | multilateral | Withdrawn (licence application withdrawn 20 Apr 2023) | 2023-04-20 | none | P27 press release via Cision c3750183 |
| Malaysia – Singapore | DuitNow QR NETS QR | QR merchant | two-way | Launched | 2023-03 | none | AMRO PP/25-02 institutional secondary |
| India – Singapore | UPI PayNow | P2P remittance | two-way | Launched | 2023-02-21 | not published (press estimate of about 3000 a month is unattributed) | AMRO PP/25-02; India Business Trade primary date; usage unverified |
| Indonesia – Malaysia | QRIS DuitNow QR | QR merchant | two-way | Launched | 2022-01 | none | AMRO PP/25-02 institutional secondary |
| Singapore – Thailand | NETS QR Thai QR | QR merchant | two-way | Launched | 2021-09 | none | AMRO PP/25-02 institutional secondary |
| Indonesia – Thailand | QRIS Thai QR | QR merchant | two-way | Launched | 2021-08 | none | AMRO PP/25-02 institutional secondary |
| Malaysia – Thailand | DuitNow QR Thai QR | QR merchant | two-way | Launched | 2021-06 | none | AMRO PP/25-02 institutional secondary |
| Singapore – Thailand | PayNow PromptPay | P2P remittance | two-way | Launched | 2021-04-29 | none (limit S$1000 / THB25000 a day) | MAS-BOT joint release 29 Apr 2021 primary |
| Thailand – Vietnam | Thai QR VietQR | QR merchant | two-way | Launched | 2021-03 | none | AMRO PP/25-02 institutional secondary |
| Bhutan – India | Bhutan merchant QR UPI | QR merchant | one-way (Indian travellers) | Launched | 2021 | none | Vajiram and Ravi UPI country list (Jun 2026) press; verify against RBI/NIPL |
| United Arab Emirates – India | Mashreq NEOPAY merchant QR UPI | QR merchant | one-way (Indian travellers) | Launched | 2021 | none | Vajiram and Ravi UPI country list (Jun 2026) press; verify against RBI/NIPL |
| Cambodia – Thailand | KHQR Thai QR | QR merchant | two-way | Launched | 2020-02 | none | AMRO PP/25-02 institutional secondary |
| Thailand – Japan | Thai QR (PromptPay) MyPromptQR at Japanese merchants | QR merchant | one-way | Launched | 2018-12 | none | AMRO PP/25-02 (Jun 2025) institutional secondary |