Powering Ghana’s Digital Payment Infrastructure with Secure, Interoperable Systems
Language
English
About GhIPSS
Powering Ghana's Digital Economy
The Ghana Interbank Payment and Settlement Systems Limited (GhIPSS) is a wholly-owned subsidiary of the Bank of Ghana, established to implement and manage interoperable payment systems infrastructure that serves all financial institutions in Ghana.
Company Values
Our commitment to excellence is guided by a culture built on integrity, teamwork, innovation, passion, dependability, and professionalism.
Our Mission
To partner the financial services industry in promoting developing and managing efficient and secure payment systems.
Our services
Comprehensive Payment Solutions
From real-time instant payments to bulk processing and card services, we provide the complete infrastructure for Ghana's digital payment ecosystem.
Real Time Payments
Instant fund transfers between banks and mobile money wallets with GhIPSS Instant Pay (GIP) and GhanaPay.
Cards & Verified Payments
Efficient processing for cheques, ACH direct credits and debits for corporate and institutional needs.
Bulk Payments
Efficient processing for cheques, ACH direct credits and debits for corporate and institutional needs.
Hosting Services
Multi-institution platform hosting for financial institutions seeking reliable infrastructure.
Third Party Settlement
Settlement services for third-party payment providers and fintech companies.
Connect With Us
Video
GhanaPay Sign-Up Guide
Latest Updates
News & Announcements
GhIPSS Presents Dividend to Bank of Ghana, Reinforcing Confidence in Ghana’s Digital Payment Ecosystem
Ghana Interbank Payment and Settlement Systems Limited (GhIPSS) has presented a dividend of GH¢14.58 million to its sole shareholder, the
GhIPSS and Pan Africa Savings and Loans Deepen Strategic Collaboration to Advance Financial Inclusion
The Ghana Interbank Payment and Settlement Systems Limited (GhIPSS) hosted the Chief Executive Officer of Pan Africa Savings and Loans,
Building a Connected Payments Ecosystem for every African
Africa's digital financial future will be defined by how easily money moves across borders, not just for governments and large
GhIPSS CEO Champions Fintech Investment at Ghana–UK Investment Summit
London, UK- The Chief Executive Officer of GhIPSS, Clara Arthur, has highlighted Ghana's growing attractiveness as a destination for fintech
GhIPSS commemorates 19 Years of Powering Ghana’s Digital Payment Transformation
GhIPSS has marked 19 years of driving Ghana’s digital payments transformation on 27 May, reinforcing its position as a key
GhIPSS Joins Africa in Celebrating AU Day, Reflecting on Unity, Progress and Shared Growth
In a colourful display of African heritage and brightly adorned traditional garments, GhIPSS joined millions across the continent to celebrate
Our Platforms
Digital Payment Platforms
GhanaPay
Your mobile wallet for seamless payments, transfers, & financial services across Ghana.
e-zwich
Ghana's biometric smart card system for secure, verified payments nationwide.
gh-link
Domestic debit card for online and in-store purchases with nationwide acceptance.
GhQR
Ghana's universal QR code payment system for instant, contactless transactions.
Download GhanaPay Today
Experience the future of payments. Send money, pay bills, and manage your finances all from one app.
FAQs
Have Any Question? Find Answers Here
We’ve compiled answers to the most common questions people ask us. Explore our FAQs to get helpful explanations, useful details, and practical information—all in one convenient place.
GhIPSS (Ghana Interbank Payment and Settlement Systems Limited) is Ghana’s national payment systems infrastructure provider. It was established to develop, manage, and operate interoperable electronic payment systems that support banks, financial institutions, and payment service providers.
GhIPSS is a wholly owned subsidiary of the Bank of Ghana and plays a critical role in advancing Ghana’s cash-lite and digital financial ecosystem.
GhIPSS manages and operates national payment systems such as e-zwich, gh-link, Ghana Automated Clearing House (GACH), Real-Time Payments, and mobile money interoperability, enabling secure and efficient digital payments nationwide.
e-zwich is a biometric smart card payment system used for ATM withdrawals, POS payments, and transfers. It helps expand financial access, especially for users without traditional bank accounts.
gh-link is GhIPSS’s national card switching and processing system that connects ATMs, POS devices, banks, and payment service providers. It allows customers to use their bank cards across different banks and channels nationwide. gh-link supports local card payments, reduces reliance on international card schemes, and helps retain transaction value within Ghana.
GhIPSS Instant Pay (GIP) is a real-time payment platform that enables instant fund transfers between bank accounts and mobile money wallets. Transactions are completed within seconds, 24/7, including weekends and holidays. GIP supports various payment use cases such as person-to-person transfers, business payments, and government transactions.
GhIPSS services are primarily used by licensed banks, savings and loans companies, rural and community banks, mobile money operators, fintechs, and other regulated financial institutions.
These institutions integrate GhIPSS platforms to deliver payment services to individuals, businesses, and public sector organizations across Ghana.
Subscribe to Our Newsletter
Receive the latest updates delivered straight to your inbox.
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.
Quick Links
Contact Us
Have questions or need any assistance? Contact us today—we’re here to help.
-
Opening: 9:00am - 5:00pm
Monday – Saturday
Copyright © 2026 Ghana Interbank Payment and Settlement Systems Limited