Taiwan · Account Transfer · Est. 1991
Taiwan's shared interbank real-time rail, operated by FISC (Financial Information Service Co.). Carries both institutional flows and consumer traffic — real-time transfers in every Taiwanese bank's mobile app, any-bank ATM withdrawals, and TWQR merchant payments. TWQR is FISC's national interoperable QR-code standard (launched 2019), used by consumer wallets Line Pay Money, JKO Pay, iPass Money and Pi 拍錢包. Live 24/7 since 1991, connecting 107 institutions, handling TWD plus five foreign currencies (USD, RMB, JPY, EUR, AUD). Settles through the CBC's RTGS.
FISC is Taiwan’s real-time payment system (Account Transfer), launched in 1991. Taiwans shared interbank real-time rail, operated by FISC (Financial Information Service Co.
FISC processed 1.4 billion transactions worth $7.6tn in 2025, a year-on-year change of +3.6%.
FISC is operated by FISC, with near-instant settlement.
FISC launched in 1991, and today has 107 participating institutions.
FISC supports QR code payments.
Data source: Central Bank of the Republic of China / FISC.
| Capability | Status |
|---|---|
| QR Code Payments | ✓ |
| Wallet Support | — |
| 24/7 Availability | ✓ |
| Cross-Border | ◐ |
| ISO 20022 | ◐ |
| Request to Pay | — |
| Open API | ◐ |
| Alias/Proxy | ◐ |