The Ghana Interbank Payment and Settlement Systems Limited (GhIPSS) is a wholly-owned subsidiary of the Bank of Ghana. It was incorporated in May 2007 with a mandate to implement and manage interoperable payment system infrastructures for banks and non-bank financial institutions in Ghana.

Our Systems

• National Switch & Biometric Smart Card Payment System – e-zwich
• Cheque Codeline Clearing (CCC) System
• Ghana Automated Clearing House (GACH) systems – Direct Credit & Direct Debit
• National Switching and Processing System – gh-link
• Real Time Payment System - GhIPSS Instant Pay (GIP)
• Mobile Money Interoperability
• Ghana’s Universal QR Code Payment System - GhQR
• GhanaPay Mobile Money, in partnership with the Ghana Association of Banks

GhIPSS is committed to maintaining very high standards of excellence, reliability, integrity, and timeliness for all its infrastructure. These standards have enabled GhIPSS to attain ISO27001 certification.

GhIPSS’ payment infrastructure is currently used by all banks in Ghana including the ARB Apex Bank and its affiliates, Savings and Loans companies, and Third Party Payment Providers.

Our PCI DSS & ISO Certifications

GhIPSS has achieved key international certifications including PCI DSS and ISO27001, demonstrating our commitment to global data security standards and operational excellence.