The International Card Switching Service provides technical infrastructure to support the connection, transmission and processing of electronic data among NAPAS membership organizations and other international card, switching organizations and foreign banks. Customers of service participating NAPAS members can make transactions on networks (ATM, POS, other) of other organizations that connected to NAPAS, and vice versa.


Card switching service with international card organizations allows holders of international branded card (UnionPay International) to perform transactions on networks (ATM, POS) of service participating NAPAS members.

Provided transactions

  • ATM transactions: cash withdrawal; balance enquiry.
  • POS transactions: purchase/sale; void.


  • Expand scope of service.
  • Provide international branded card payment services as if banks are official members of international card organizations.
  • Enhance bank’s images and brands.
  • Opportunity to increase revenue/profit from the service.
  • Save cost of investment and resources for service deployment and operation.
  • Shorten service deployment time and provide service to customers in the shortest duration of time.
  • There is no pressure sales commitment with international card organizations.

List of participating banks


Công Ty Cổ Phần Thanh Toán Quốc Gia Việt Nam - Napas