> For the complete documentation index, see [llms.txt](https://central-bank-of-libya.gitbook.io/devportal/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://central-bank-of-libya.gitbook.io/devportal/lypay/lypay-instant-payment-system.md).

# LYPay Instant Payment System

Official overview of LYPay, the Central Bank of Libya instant payment system for participating banks and approved financial institutions.

### Real-time payments for Libya's financial ecosystem

**LYPay** is the Central Bank of Libya’s official platform for enabling **instant payments** between banks and other approved financial institutions. It provides secure, standardized APIs and streamlined settlement processes for real-time fund transfers.

{% hint style="info" icon="bolt" %}
**National instant-payment infrastructure** — designed to support financial inclusion, interoperability, and the modernization of Libya’s payment ecosystem.
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## Explore LYPay

<table data-view="cards"><thead><tr><th></th><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><h3><i class="fa-code" style="color:$primary;">:code:</i></h3></td><td><strong>API Documentation</strong></td><td>Authentication, payments, transaction enquiries, and webhooks.</td><td><a href="/devportal/lypay/api-documentation.md">API Documentation</a></td></tr><tr><td><h3><i class="fa-microchip" style="color:$primary;">:microchip:</i></h3></td><td><strong>Technical Overview</strong></td><td>Understand the initiate-confirm flow, asynchronous processing, and transaction management.</td><td><a href="/devportal/lypay/lypay-instant-payment-system-technical-overview.md">LYPay Instant Payment System — Technical Overview</a></td></tr><tr><td><h3><i class="fa-calculator" style="color:$primary;">:calculator:</i></h3></td><td><strong>Accounting &#x26; Settlement</strong></td><td>Review transaction accounting, reversals, fee settlement, and reconciliation concepts.</td><td><a href="/devportal/lypay/accounting-and-settlement-in-lypay.md">Accounting &amp; Settlement in LYPay</a></td></tr><tr><td><h3><i class="fa-qrcode" style="color:$primary;">:qrcode:</i></h3></td><td><strong>NUMO QR Standards</strong></td><td>Review Libya's national QR standard for CPM and MPM payment use cases.</td><td><a href="/devportal/lypay/numo-qr-code-standards.md">NUMO QR Code Standards</a></td></tr></tbody></table>

## Key capabilities

<table data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><h3><i class="fa-bolt" style="color:$primary;">:bolt:</i></h3></td><td><strong>Instant Payments</strong></td><td>Real-time transfers between participating banks and approved financial institutions.</td></tr><tr><td><h3><i class="fa-shield-halved" style="color:$primary;">:shield-halved:</i></h3></td><td><strong>Regulated &#x26; Secure</strong></td><td>CBL-governed integration with secure authentication, encryption, and operational controls.</td></tr><tr><td><h3><i class="fa-code-branch" style="color:$primary;">:code-branch:</i></h3></td><td><strong>Standardized Integration</strong></td><td>Structured APIs and integration flows for consistent connectivity across institutions.</td></tr><tr><td><h3><i class="fa-building-columns" style="color:$primary;">:building-columns:</i></h3></td><td><strong>Scalable Network</strong></td><td>Designed to support additional participating banks and financial institutions as the ecosystem grows.</td></tr></tbody></table>

## Who should use LYPay?

* **Banks and financial institutions** requiring a standardized, government-endorsed channel for secure instant payments.
* **Microfinance and fintech providers** seeking integration with a regulated real-time payment mechanism — **coming soon**.
* **Public-sector entities** supporting large-scale disbursements or collections — **coming soon**.

## Documentation journey

{% stepper %}
{% step %}

### Understand LYPay

Review this overview and the technical architecture.
{% endstep %}

{% step %}

### Review the APIs

Confirm authentication, request/response formats, transaction flows, and webhook handling.
{% endstep %}

{% step %}

### Prepare connectivity

Set up the approved development environment and required security controls.
{% endstep %}

{% step %}

### Test the integration

Validate transaction flows, error handling, webhooks, reversals, and reconciliation.
{% endstep %}

{% step %}

### Prepare for production

Complete the required readiness and validation activities.
{% endstep %}
{% endstepper %}

## Documentation structure

### Getting started

Step-by-step guidance for connecting to LYPay, registering within the Central Bank network, and performing initial test transactions. Development access is available only to banks and licensed financial institutions.

### API documentation

End-to-end descriptions of LYPay REST-based endpoints for initiating payments, checking statuses, performing reconciliations, and related functions.

[Explore the API documentation →](/devportal/lypay/api-documentation.md)

### QR code standards

Guidance for QR-based payment integrations covering bank and financial-institution use cases.

[Review NUMO QR standards →](/devportal/lypay/numo-qr-code-standards.md)

### Accounting scheme

Accounting and posting guidance for transaction recording, settlement, reversal, and reconciliation.

[Review accounting & settlement →](/devportal/lypay/accounting-and-settlement-in-lypay.md)

### Terms of service

The legal basis defining participant rights and obligations, liability limitations, and dispute-resolution processes.

## Next steps

* [Technical Overview](/devportal/lypay/lypay-instant-payment-system-technical-overview.md)
* [API Documentation](/devportal/lypay/api-documentation.md)
* [Regulatory Guidelines & Compliance](/devportal/lypay/regulatory-guidelines-and-compliance.md)
* [Accounting & Settlement](/devportal/lypay/accounting-and-settlement-in-lypay.md)
* [NUMO QR Code Standards](/devportal/lypay/numo-qr-code-standards.md)

## Integration support

* **<eendesha@cbl.gov.ly>**
* **<lshalabi@cbl.gov.ly>**

[Contact & Support →](/devportal/contact-and-support.md)