跨境支付通连接内地与香港快速支付系统

2025 年 6 月 20 日，人民银行与香港金管局宣布，跨境支付通将于 6 月 22 日上线，连接内地 IBPS 与香港转数快。

以现有系统互联

两地居民可通过参与机构，使用收款人手机号码或账户号码办理实时小额跨境汇款。

具体服务看参与机构

服务范围、限额和要求需要结合参与机构公布的信息理解。系统互联并不表示任意银行账户或商户网站都会自动接入。

一笔汇款要确认的三个时点

这项连接面向两地居民的小额汇款，不能直接据此推断商户收单已全部开放。付款前，可以分别查看收款人确认、汇率和费用展示、以及收款账户入账三个环节。

手机号等标识让输入更方便，但付款人仍需核对接收方信息。出现异常时，保存交易参考号与参与机构的处理记录，有助于把同一笔交易在两端对应起来。

标识方便了输入，核对仍有价值

手机号等标识可以减少手动填写长账号的负担，但它与具体账户的绑定需要参与机构维护。实际付款时，应关注应用返回的收款方信息，而不是仅凭号码来自熟人聊天就跳过核对。号码输入错误与系统处理故障，也是两类不同问题。

汇率和费用展示则决定付款人能否在提交前理解对方预计收到多少。若一端显示发送金额、另一端显示扣费或换算后的金额，客服解释时需要把两端的币种与时间一起列出，才能避免把正常换算差异误判为少到账。

汇款互联不自动改变商业收单

个人小额汇款与商户收款，在用途、交易信息和后续服务上有差别。商户通常还需要订单编号、退款和对账等安排。两地系统已经连接，是基础设施层面的事实；某家商户是否能把它接入自己的收银台，则需要单独核对服务范围。

保存原始参考号尤其重要。出现退回或补充信息请求时，它比一张只显示“转账成功”的截图更便于参与机构追查完整过程。

On 20 June 2025, the PBoC and HKMA announced Payment Connect’s launch on 22 June, linking the Mainland’s IBPS and Hong Kong’s FPS.

Connected systems

Residents can use participating institutions for real-time small-value remittances using a recipient’s phone or account number.

Check service coverage

Institution-level requirements and limits still apply. The linkage does not automatically connect every bank account or merchant website.

Follow the payment at both ends

The announced link serves small-value personal remittances; it does not establish universal merchant acquiring. Examine recipient confirmation, exchange-rate and fee disclosure, and account crediting separately. Convenient identifiers still require checking the recipient. Transaction references help relate records at both institutions if an exception occurs.

Easier addressing still needs confirmation

A mobile-number identifier reduces manual account entry, but its link to an account depends on participating institutions. Payers should review the recipient information returned by the service. A mistyped identifier and a processing incident require different investigations.

Exchange-rate and fee information should explain the expected amount received. When the two sides show different currencies or net amounts, support teams need both currencies and timestamps to distinguish conversion from a missing payment.

Remittance access and acquiring differ

Personal small-value transfers do not automatically provide merchant order references, refunds and reconciliation. Infrastructure connectivity and a merchant checkout integration require separate evidence of availability.

Keeping the original reference helps institutions investigate a return or information request more effectively than relying only on a success screenshot.