frequently asked questions

Common ATM Switch (CAS)

1. Does LankaPay has its own ATMs?
No. LankaPay as Sri Lanka’s National Payment Network connects all ATMs of its member banks and financial institutions therefore, any customer of a member banks can use any ATM which is connected to LankaPay network. Currently LankaPay connects over 99.95% of all ATMs in the country.

2. How much does it cost me to use another bank ATM?
For cash withdrawal – Rs. 30/-
For balance inquiry – Rs. 7.50/-

3. What would I do if my card is held back at some other bank’s ATM?
Please call the hotline or visit your bank branch and inform them about the same. Then, your bank will either issue a new card or do the needful to get you the existing card which was held back.

4. What do I do if my card was PIN blocked due to entering an incorrect PIN number more than thrice?
Talk to your bank hotline to activate the same.

5. What do I do if I lost my ATM card?
Please contact your bank hotline urgently and instruct the card to be deactivated immediately.

6. What is the maximum amount that I can withdraw from another bank’s ATM?
This amount varies from bank to bank.

Common Electronic Fund Transfer Switch (CEFTS)

1. Is CEFTS a payment gateway?
No. CEFTS is a real-time interbank fund transferring method

2. Is CEFTS a safe mode for transferring money?
Yes. CEFTS is operated under the guidance and supervision of the Central Bank of Sri Lanka under LankaPay network. All LankaPay products complied with PCI-DSS version 3.2 security standard – which is the highest internationally accepted security standard for payment card industry. All member banks that are connected to LankaPay network are also financials institutions regulated by the Central Bank.

3. Is it “Real”time?

4. Can I make CEFTS transfers 24x7x365 days?

5. What are the other terms used for CEFTS?
Different member banks use Real-time Fund Transfer, Instant Fund Transfer in synonymous with CEFTS.

6. What is the maximum amount that I can transfer via CEFTS?
We have facilitated fund transfers upto Rs.5,000,000 via CEFTS. However this limit defers bank to bank. Therefore please contact your bank for more information

Cheque Imaging & Truncation System (CITS)

1. Why is there a single size for personal and corporate cheques within CITS?
With the implementation of the Cheque Imaging and Truncation System, all cheques are transmitted by image, rendering the difference in size of cheque in material in the cheque verification process.

2. Why do you then call it?
Collecting banks are no longer required to physically send cheques to LankaPay. Physical Cheques are retained by the presenting bank and data and images are transmitted electronically to the paying bank via LankaPay

3. Can I use rubber stamps for "account paye
To ensure that all elements of the cheque are captured during the scanning process do not place stamps across the face of the cheque as the Payee, Cheque Amount and Signature must be fully legible on the image as well.

4. What can I do if I misplace a cheque/ Representable Cheque Rerun Notification?
Contact your bank immediately and instruct them to stop payment.

5. How long does it take to realize a cheque?
From the time a cheque image reaches LankaPay from banks, it is processed within one business day, so that that cheque could be realized on the next working day.

6. Can I write a cheque in my native language?
In Sri Lanka, cheques written in Sinhala, Tamil and English languages are considered valid.

7. What are the Dos and Don’ts related to cheques

  • Please do not write cheques with pencils
  • Do not fold the cheque
  • Do not write anything on the MICR line
  • Do not keep singed blank cheques
  • Please keep the cheque book in a safe place.
  • Always use the counterfoil to write the details of the cheque for later reference.
  • Carryout regular bank reconciliations to keep a proper track of the issued cheques

8. How can I get a certified image of a cheque?
Contact your bank immediately and request for a certified image from LankaPay

9. Is a certified image of a cheque accepted in a Court of Law?

10. Can I draw a cheque for a value over Rs.100,000,000?
Except for government departments, state corporations, statutory bodies others can not draw cheque value over Rs. 100,000,000

11. In what circumstances can a cheque be dishonored/returned?
A cheque can be returned due to multiple reasons. Below are the urn codes and the corresponding reasons.

12. How do I issue a cheque to pay someone?
Write the full name of the payee as per payees bank records on the Pay line. Cross out the Bearer word on the cheque and double cross on the top left corner of the cheque if it has to be paid only to the said payee.

13. Can I present a torn or damaged Cheque Return Notification (CRN)?
No. You should ask the drawer for a new cheque.

14. What should I do if I have misplaced or lost CRN that can be presented?
CRN is a substitute of the dishonored cheque, you should treat a misplaced or lost CRN as if it were a lost cheque. You should ask the drawer for a new cheque. Also drawer should also place stop payment instructions for the lost cheque.

15. If a CRN that is presented and returned, will the same CRN be used again?
A new CRN will be issued for each return of the same cheque. Hence, if a CRN is presented and subsequently returned, another CRN will be generated stating new return reason.


1. Is JustPay an app or a payment gateway?
No. JustPay is a mode of making retail payments by transferring money directly from your account to the merchant’s account?

2. What do I do if I am to use JustPay?
Simply download any JustPay enabled mobile payment application, register with your bank details one time. Thereafter, every time you want to make a payment simply select JustPay.

3. Will it be safe for me to save my bank account details with a mobile payment application?
All mobile payment applications, banks and financial institutions that are connected to JustPay are regulated by the Central Bank. When you register for JustPay with any mobile payment application, your bank account details are saved with the merchant’s bank/financial institution. There are a number of security measures taken to ensure that your bank details are secure.

4. What are the do’s and don’t of using JustPay?

  • Do not share your phone password with anyone
  • Always have a complex password for your phone
  • Do not share your JustPay password with anyone
  • If you change your mobile phone or your bank account, you will be required to re-register for JustPay
  • Register for sms notification service with your bank, so that you will be notified every time you make a JustPay transaction

5. Do I have to register with every mobile payment application that I use for JustPay?

6. What if I make an error in making a payment via JustPay?
There is an inbuilt despite resolution system for JustPay, same as with debit and credit cards. If you make an error in making a JustpPay payment, please inform your bank in writing of the same.

Sri Lanka Inter-bank Payment System (SLIPS)

1. What is the maximum value of a transaction that can be made via SLIPS?
Rs. 5,000,000

2. Can I transfer money to an account in a different bank via SLIPS in the same day?
LankaPay operates three clearing cycles for SLIPs daily, on all week days. If a payment reaches LankaPay before 1.30 pm the transfer will reach the recipients account the same day. Please speak to your bank for their cut off time for same day transfers

3. What are the type of payments that are generally made via SLIPS?
Salaries, utility bills, ………………………………………….

4. Can I make a value dated transfer with SLIPS?
Yes. You can make a value dated transaction up to 14 days via SLIPS.

5. Can I make debit transfer via SLIPS?
Yes. By providing consent to a direct debit application form by the merchant, you can allow the merchant to deduct up to a predefined amount from your account on a specific day of the month via SLIPS.

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