CEPAS, the Specification for Contactless e-Purse Application, is a Singaporean specification for an electronic money smart card. CEPAS has been deployed island-wide, replacing the previous original EZ-Link card effective 1 October 2009.[1]

LaunchedApril 2002 (FeliCa EZ-Link)
February 2009 (CEPAS EZ-Link)
9 October 2009 (NETS FlashPay)
OperatorConcession Cards
  • Land Transport Authority
  • PaymentLink Pte Ltd

EZ-Link Cards

  • EZ-Link Pte Ltd
  • PaymentLink Pte Ltd

FlashPay Cards

  • NETS Pte Ltd
ManagerTransitLink Pte Ltd
CurrencySGD ($500 maximum load)
Credit expiry5 years (EZ-Link)
7 years (FlashPay)
Auto rechargeEZ-Reload
GIRO Auto topup
Unlimited useAdult Monthly Travel Card
  • TransitLink ticket offices
  • MRT passenger service centres
  • 7-Eleven stores
  • SingPost
  • Concession cards (supports EZ-Link retail payments)
  • Adult cards (supports either EZ-Link or FlashPay retail payments)
LTA Concession Cards


The CEPAS provides the command sets and data bytes that can be used for contactless e-purse applications, and focuses on the debit and credit areas. The most recent version of the standard is CEPAS 2.0. The standard allows for the interoperability of multi-purpose stored value (MPSV) card payment schemes from different card issuers and system operators.


CEPAS is spearheaded by the Infocomm Development Authority of Singapore (IDA), and is one of the key next generation e-Payment initiatives under Singapore's iN2015 infocomm masterplan led by IDA.[2] The vision of CEPAS is for Singaporeans to have a single MPSV card for use all around Singapore for micro-payments. This includes transit (bus, MRT, LRT), taxi, motoring (ERP, parking), retail, and other services.

CEPAS is a result of close collaboration by IDA with different industry players and the Land Transport Authority (LTA). The other key collaborators are the Cards & Personal Identification Technical Committee (CPITC) under the Singapore IT Standards Committee (ITSC), Network for Electronic Transfers (NETS) and EZ-Link Pte Ltd (EZ-Link). CEPAS was published by SPRING Singapore as SS 518 and was officially launched during the CEPAS Launch & Next Generation e-Payment seminar on 27 June 2006, held at Suntec Singapore International Convention and Exhibition Centre.[2]

Current and future payment landscapeEdit

The current micro-payment landscape in Singapore is fragmented with different standards, with two main players, NETS and EZ-Link. EZ-Link controls the transit space and NETS controls the motoring (ERP, parking) space. NETS also dominates the retail space, with EZ-Link having limited presence. Cards and readers from both providers cannot currently interoperate and consumers hold different cards for payment of different services and goods.

CEPAS aims to open and level the micro-payment playing field. For example, NETS card holders will be able to use their cards to pay for transit and EZ-Link card holders for retail and motoring payments. For merchants, the overall operation cost is intended to be lower and the market space larger.[citation needed]

CEPAS-compliant EZ-Link cards have been available for sale from 29 December 2008.[3]

Technical details of CEPAS 2.0Edit

The commands in this standard follow the convention in ISO/IEC 7816-4: 2005. The main commands are "Read Purse", "Debit Purse" and "Credit Purse". The design allows for partial refund and is limited to the most recent amount debited. The "AutoLoad" and "Cumulative Debit" features are also available. In this standard, key management for controlling e-purse operations is flexible and the final details are decided by the card issuer. Atomicity is a key focus in this standard to ensure reliability of transactions across multiple interfaces.


There has been some criticisms by the public that the auto-top up service by GIRO for the new CEPAS card will require an administration fee for activation as well as for each top-up. In contrast, auto-top up for the original EZ-Link card was free. Also, the public has complained that there is now more hassle in applying for this service in contrast to the relatively easier process for the original version.[4]

See alsoEdit


  1. ^ Land Transport Authority (2 December 2009). "SeP Ready For Implementation". Archived from the original on 27 May 2011. Retrieved 4 April 2009.
  2. ^ a b Infocomm Development Authority of Singapore (23 January 2008). "Specification for Contactless e-Purse Application (CEPAS)". Retrieved 3 February 2017.
  3. ^ EZ-Link Pte Ltd (26 December 2008). "Commencement of sale of the NEW CEPAS-Compliant EZ-Link card". Retrieved 4 April 2009.[dead link]
  4. ^ The Straits Times (15 September 2009). "Have a card to rival EZ-link". Archived from the original on 22 September 2009. Retrieved 5 October 2009.

External linksEdit