Short answer

• Instant QR payments: Yes — most major Sri Lankan retail banks and wallet apps support instant QR payments via the national LankaQR standard (and many also accept Visa/Mastercard/UnionPay QR). Examples with public product pages: Commercial Bank (ComBank Q+), Sampath (WePay), HNB (SOLO/HNB digital wallet), Bank of Ceylon (SmartPay), DFCC (DFCCPay), NDB (NEOS) and several others. (combank.lk)

• Virtual cards: Far fewer banks explicitly advertise an issued “virtual card.” Sampath Bank’s WePay explicitly provides a virtual wallet card (virtual Visa card / top‑upable virtual card with dynamic CVV features) — this is the clearest confirmed bank‑issued virtual card product in Sri Lanka. Other banks may offer limited virtual‑card features inside apps or via third‑party wallets, but official, bank‑branded virtual‑card offerings are not widely published. (apps.apple.com)

Quick notes and how it works

• LankaQR is the national interoperable QR standard (managed under LankaPay/Central Bank). Any LankaQR‑enabled app can scan/pay an interoperable merchant QR instantly; many bank apps and fintech wallets have implemented LankaQR. There are also scheme QR variants (VisaQR/MastercardQR/UnionPay) used for cross‑scheme acceptance. (indianconventions.in)

• “Virtual card” terminology can mean different things: (a) a bank‑issued virtual PAN (single‑use or multi‑use card number for online payments), (b) an app‑hosted wallet card used for QR and e‑commerce (top‑upable), or (c) tokenised card details created from an existing physical card. Sampath WePay is an example of (b) and advertises a virtual Visa wallet card with dynamic CVV. For other banks you’ll often find either (c) tokenisation for mobile wallets or no explicit virtual‑card product page. (economynext.com)

If you want any of these confirmed for a particular bank/app (e.g., ComBank, HNB, BOC, Nations Trust, Seylan, NDB, People’s Bank), I can open that bank’s product/app page and confirm whether they currently (as of today) advertise a virtual‑card product or describe exactly how their QR support works and how to enable it.