National Card Scheme (NCS)


LankaClear (Private) Limited (LankaClear and JCB International Co., Ltd. (JCBI), have entered into a strategic partnership for the establishment of the National Card Scheme (NCS) under the direction and supervision of the Central Bank of Sri Lanka.

Under the NCS program, domestic banks and financial institutions can choose to issue LankaPay-JCB co-branded debit cards. LankaPay-JCB co-branded cards will be accepted across LankaPay payment network (ATM and POSs) locally and across JCB international network globally, especially providing a lower cost card acceptance in the Asian countries.

In addition, the strategic partnership would also facilitate the acceptance of international JCB and partner network cards at ATMs and merchants who are on LankaPay network.

JCB has entered into a strategic partnership with our neighbour, India and has commenced issuing co-brand RuPay JCB cards in India. Hence, both Sri Lankan co branded card holders touring India and Indian co-branded card holders touring Sri Lanka will be benefitted by this added convenience of using their debit and credit cards securely cross-border

Why LankaPay-JCB Co-branded Payment Card?

  • Lower transaction cost to cardholders
  • Lower Merchant Discount Rates (MDR) for merchants
  • Lower fee structures for card issuing banks and financial institutions
  • Contact and Contactless EMV chip cards backed by world class Japanese technology and processes
  • Multi-purpose payment card which can also be used as a transport card.
  • A national initiative, implemented under the supervision of the Central Bank to cater for domestic requirements with lower fees and charges. Hence banks can develop electronic card product options to cater for under-banked and unbanked population of Sri Lanka
  • Help save valuable foreign exchange paid to International Payment Card scheme

Advantages of LankaPay-JCB Co-branded Card

LankaPay-JCB co-branded payment cards will provide following benefits to card issuing institutions, in turn such benefits passed on to the respective card holders, the public:

  • Lower cost
  • Affordability
  • Provide electronic product options to underbanked and unbanked customers

Features of the LankaPay/JCB Co-branded Card

  • Contact and Contactless card
  • Complimentary Lounge Access Program – International
  • Can also be used as a transit card as transit payment facilities are rolled out.

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