Ghana Interbank Payment and Settlement Systems Limited (GhIPSS) is the national payment infrastructure provider in Ghana. It was established in May 2007 as a wholly owned subsidiary of the Bank of Ghana, with the mandate to implement and manage interoperable electronic payment systems for banks and non-bank financial institutions.
History GhIPSS was created to modernize Ghana's payment systems infrastructure and ensure seamless interbank transactions.
Payment systems and services
e-zwich Ghana’s national biometric smart card system, designed to improve financial inclusion across ATMs, POS, and banks.
Cheque Codeline Clearing (CCC) & Ghana Automated Clearing House (GACH) Enable bulk processing of cheque and direct credit/debit transactions.
gh-link A domestic interbank switch supporting ATM, POS, online payments, and 3-D secure transactions.
GhIPSS Instant Pay (GIP) Real-time payment platform allowing users to transfer money instantly between banks and mobile wallets.
Mobile Money Interoperability (MMI) Allows cross-network mobile money transactions and transfers between mobile wallets and bank accounts.
GhanaPay A bank-led mobile wallet that enables inclusive access to banking services.
Third Party Settlement Service (GTPSS) Enables interbank settlements for mobile money providers and fintech platforms.
See also e-zwich gh-link
References