◆ClearingPost

BEPS (CNAPS)

ACH

China's domestic batch clearing for low-value payments (under RMB 50,000). Processes credit transfers, pre-authorized collections, and dated debits. Settlement via HVPS on business days.

NowHours: computing from the published schedule…Service condition: not monitored details

ClearingPost does not assess whether BEPS (CNAPS) is running normally.

Next

Dated items ClearingPost holds, each with its source and whether the date is confirmed

No supported upcoming items in ClearingPost's records for BEPS (CNAPS).

ClearingPost holds sourced upcoming items for 10 of 150 systems; an empty list is a statement about ClearingPost's records, not about a system's plans.

Changed

All recorded changes →

Material, sourced changes ClearingPost recorded; corrections to its own record are labelled as such

Sources No status page recorded · 12 of 16 fields carry a source and a recorded date · latest sourced entry recorded 17 Sep 2026 · evidence details ↓

Record · BEPS (CNAPS)

Country
China (CN)
Currency
Chinese Yuan (CNY)
Operator
CNCC (China National Clearing Center) / PBoC
Type
ACH
Operating Window
24/7/365
Year Established
2005
Tier?
Tier 2
ISO 20022?
Migrated
Region
Asia-Pacific
Settlement Type?
Net
Participants
1,730 direct, 100,000+ indirect (2010)
Avg Daily Transactions
~13.95M (2025)
Avg Daily Value
~RMB 564.88B (2025)
Availability
24/7
Notes

Part of the CNAPS platform run by the PBoC's clearing centre (CNCC). Volume and value fields use the daily averages the PBoC itself publishes in its annual payment system overview, so they involve no ClearingPost business-day conversion. The 2025 daily averages sit below the 2023 figures this record previously showed.

CNCC (China National Clearing Center) / PBoC official website →
See all ACH systems →See all systems in China →ISO 20022 migration status →Payment rails by country →
Other systems in the same country or region
BOJ-NETRTGS
Japan · JPY · Bank of Japan
ZenginACH
Japan · JPY · Zengin-Net (JBA)
HVPS (CNAPS)RTGS
China · CNY · CNCC (China National Clearing Center) / PBoC
CIPSHybrid
China · CNY · CIPS Co.
IBPSFPS
China · CNY · CNCC (China National Clearing Center) / PBoC
CFXPSRTGS
China · USD/EUR/GBP/JPY/HKD/AUD/CAD/CHF · CNCC (China National Clearing Center) / PBoC

Operations · BEPS (CNAPS)

Operational monitoring: not configured. ClearingPost does not monitor operational sources for this system and does not assess its current service condition.

Operations lists the systems ClearingPost monitors and the operational events it has recorded.

Intelligence for BEPS (CNAPS) (1)

Coverage whose headline or summary names BEPS (CNAPS), or names its operator or country together with its system type. Each item quotes that evidence and says whether the source is the BEPS (CNAPS) operator or external.

GuideMar 12, 2026Summary names “BEPS”
China's Domestic Clearing Stack: A Practitioner's Guide to CNAPS, NetsUnion, and the World's Largest Payment Market
China processes more electronic payments than any other country, but its domestic clearing infrastructure remains opaque to many international practitioners. This guide maps the six core systems - HVPS, BEPS, IBPS, CFXPS, NetsUnion, and the bankcard interbank system - that form the backbone of Chinese payment settlement.
External source · People's Bank of China