NAPAS
Vietnam’s national payment corporation real-time rail with VietQR support.
NAPAS is a real-time payment rail routed by KeyBS Pay. Vietnam’s national payment corporation real-time rail with VietQR support.
Payouts routed through NAPAS settle to beneficiary accounts in VN. Where NAPAS is available for the destination country, it is the default rail for eligible payouts.
Every NAPAS 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 NAPAS payout moves through KeyBS Pay
NAPAS settles in real-time on eligible VND destinations.
Popular NAPAS searches
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Countries reachable via NAPAS
NAPAS by industry
NAPAS developer resources
Frequently asked questions
What is NAPAS?
Vietnam’s national payment corporation real-time rail with VietQR support.
How fast is NAPAS?
Real-time. 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 NAPAS?
VN. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on NAPAS.
What currencies are supported on NAPAS?
VND is the primary settlement currency for NAPAS. Multi-currency corridors are supported where the rail permits.
What limits apply on NAPAS?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is NAPAS available 24/7?
Real-time rails (including NAPAS) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate NAPAS?
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 NAPAS regulated?
Yes. KeyBS Pay routes NAPAS payouts only through partners licensed for the destination corridor.
Can I get a NAPAS settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a NAPAS 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 NAPAS?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use NAPAS for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on NAPAS?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does NAPAS support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use NAPAS most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of NAPAS on the KeyBS Pay platform.
Route your first NAPAS payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.