CNAPS
China National Advanced Payment System — the domestic large-value clearing rail.
CNAPS is a same day payment rail routed by KeyBS Pay. China National Advanced Payment System — the domestic large-value clearing rail.
Payouts routed through CNAPS settle to beneficiary accounts in CN. Where CNAPS is available for the destination country, it is the default rail for eligible payouts.
Every CNAPS payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a CNAPS payout moves through KeyBS Pay
CNAPS settles in same day on eligible CNY destinations.
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Frequently asked questions
What is CNAPS?
China National Advanced Payment System — the domestic large-value clearing rail.
How fast is CNAPS?
Same day. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through CNAPS?
CN. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on CNAPS.
What currencies are supported on CNAPS?
CNY is the primary settlement currency for CNAPS. Multi-currency corridors are supported where the rail permits.
What limits apply on CNAPS?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is CNAPS available 24/7?
Real-time rails (others) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate CNAPS?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is CNAPS regulated?
Yes. KeyBS Pay routes CNAPS payouts only through partners licensed for the destination corridor.
Can I get a CNAPS settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a CNAPS payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for CNAPS?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use CNAPS for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on CNAPS?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does CNAPS support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use CNAPS most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of CNAPS on the KeyBS Pay platform.
Route your first CNAPS payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.