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<a href="#submission">Unlock the power of real-time payments</a> 
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<h4>Unlock the power of real-time payments</h4>
The Fileactive Payments APIs allow businesses to automate and optimise their payment processes, enabling real-time, secure, and efficient payment solutions. Whether you&#39;re making fast payments domestically via NPP, handling international transactions with CBFT, or processing payments across regions like Hong Kong, India, Singapore, and Vietnam, our APIs streamline your operations, reduce costs, and improve customer satisfaction.
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<a href="#value">How the fileactive payments APIs add value to your business</a> 
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<h4>How the Fileactive payments APIs add value to your business</h4>
Real-Time domestic payments with NPP
NPP (New Payments Platform) is a revolutionary platform allowing businesses to make instant payments between participating banks. By integrating our APIs, you can leverage the speed and efficiency of NPP to automate high-volume domestic transactions.
<ul>
<li>Faster Payments: NPP-enabled transactions are processed instantly, providing immediate fund availability, improving your cash flow, and reducing operational delays.</li>
<li>Improved customer experience: With real-time payments, your customers receive funds instantly, whether it&#39;s payroll, refunds, or supplier payments, enhancing trust and reliability.</li>
<li>Business efficiency: Automate repetitive tasks such as batch payments, payroll, and bill settlements, reducing manual work and eliminating errors.</li>
</ul>
<a href="#funds">Cross-border funds transfer (CBFT)</a> 
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<h4>Cross-Border funds transfer (CBFT)</h4>
CBFT (Cross border funds transfer) APIs simplify international transactions, enabling your business to send and receive payments globally with enhanced security and traceability.
<ul>
<li>Simplified international payments: CBFT automates the complexities of cross-border transactions, ensuring compliance with international standards like SWIFT and offering full traceability of funds.</li>
<li>Currency Management: With built-in FX capabilities, our APIs enable seamless currency conversion and Optimise your international payment strategy, reducing costs and managing exchange rate risks.</li>
<li>Transparency and compliance: Ensure adherence to global regulations and standards (such as AML and KYC) by automating compliance checks and transaction reporting.</li>
</ul>
<a href="#reginol">Regional payment solutions: Hong Kong, India, Singapore, Vietnam</a> 
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<h4>Regional payment solutions: Hong Kong, India, Singapore, Vietnam</h4>
In addition to global and domestic payments, our APIs support region-specific payment solutions for Hong Kong, India, Singapore, and Vietnam. These APIs are designed to address unique market needs and regulatory requirements in each region.
<ul>
<li>Hong Kong: Seamlessly integrate with the Hong Kong Faster Payment System (FPS) to ensure quick, secure, and efficient domestic payments in the region.</li>
<li>India: Leverage APIs to handle Unified Payments Interface (UPI) transactions, enabling fast and secure payments within India&#39;s growing digital economy.</li>
<li>Singapore: Integrate with Singapore&#39;s Fast and Secure Transfers (FAST) to handle real-time domestic transfers, Optimising business-to-business and customer-to-business payments.</li>
<li>Vietnam: Process payments efficiently through Vietnam&#39;s domestic payment networks, supporting seamless business operations across industries.</li>
</ul>
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<a href="#feauturee">Key features of fileactive payments APIs</a> 
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<h4>Key features of Fileactive payments APIs</h4>
Real-Time processing
<ul>
<li>Supports real-time transactions with NPP, providing instant payments for domestic transfers.</li>
<li>Enhances international payment processing through CBFT for global reach.</li>
<li>Region-specific solutions for Hong Kong, India, Singapore, and Vietnam to meet local needs.</li>
</ul>
Automation and scalability
<ul>
<li>Streamline complex payment workflows by automating manual processes, ensuring scalability for high transaction volumes.</li>
<li>Batch processing support for recurring payments, supplier settlements, and payroll.</li>
</ul>
Enhanced security
<ul>
<li>Ensure secure transactions with robust security features like OAuth, leveraging signed client assertions and payload encryption/signing, while supporting industry-standard security practices.</li>
<li>Compliance with global payment standards such as ISO 20022, ensuring interoperability across banking systems.</li>
</ul>
End-to-End visibility
<ul>
<li>Track and monitor payments with comprehensive status updates, ensuring transparency in both domestic and international payments.</li>
<li>Full traceability of funds to ensure payments meet compliance requirements.</li>
</ul>
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<a href="#boost">Use cases: boosting business efficiency</a> 
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<h4>Use Cases: Boosting business efficiency</h4>
Streamlining supplier payments
For businesses with a high volume of supplier payments, Fileactive payments APIs automate the end-to-end payment process. Instantly settle payments with NPP, Hong Kong FPS, India UPI, Singapore FAST, or Vietnam&#39;s domestic systems, ensuring suppliers receive their funds in real-time. This improves vendor relationships, operational efficiency, and reduces the time to settle accounts.
Automating payroll for faster processing
By leveraging NPP or regional payment APIs such as Hong Kong FPS, India UPI, Singapore FAST, or Vietnam&#39;s systems, businesses can process payroll instantly, providing employees with immediate access to their funds. This eliminates the typical wait times associated with traditional payment methods, ensuring timely payroll distribution across different regions.
Enhancing global payments with CBFT
For companies engaged in international trade, the CBFT API simplifies cross-border payments. With integrated FX services, you can handle payments in different currencies, minimize transfer fees, and manage currency risk. The inclusion of regional APIs like Hong Kong FPS, India UPI, Singapore FAST, and Vietnam&#39;s domestic systems further enhances your ability to seamlessly process payments in specific countries, making global operations smoother and more efficient.
Regional payment solutions
If your business operates in Hong Kong, India, Singapore, or Vietnam, Fileactive Payments APIs offer tailored solutions to meet the unique payment needs of each region. By integrating with region-specific payment platforms like Hong Kong FPS, India UPI, Singapore FAST, and Vietnam&#39;s domestic systems, you can ensure compliance with local regulations while benefiting from faster and more efficient payment processing.
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<a href="#choose">Why choose fileactive payments APIs?</a> 
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<h4>Why choose Fileactive payments APIs?</h4>
Cost efficiency: Automate and scale payments at reduced costs by eliminating manual processes and improving operational workflows.
Speed and agility: Real-time payments with NPP, combined with fast international transfers through CBFT and regional solutions in Hong Kong, India, Singapore, and Vietnam, help businesses keep up with the fast pace of today’s digital economy.
Customer satisfaction: Ensure timely, secure payments for your customers, partners, and employees, improving trust and reliability in your payment processes.
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<a href="#steps">Next steps: start integrating fileactive payments APIs</a> 
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<h4>Next Steps: Start integrating Fileactive payments APIs</h4>
Ready to transform your business payments with Fileactive APIs? Whether you&#39;re focusing on NPP for fast domestic payments, CBFT for seamless global transfers, or regional solutions for Hong Kong, India, Singapore, and Vietnam, start integrating today to streamline your processes.
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 <a href="/product/Payment API/code/" class="custom-button">Code</a>
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How the Fileactive payments APIs add value to your business

Regional payment solutions: Hong Kong, India, Singapore, Vietnam

Next Steps: Start integrating Fileactive payments APIs

spec.yaml

API Level Documentation

Authentication

NPP-OSKO

Payment API

Learn about Payment API