GhIPSS with the introduction of the all-new Famoco PoS is positioned to support acquiring institutions create several merchant payment outlets throughout the country. The Famoco PoS allow both gh-link, e-zwich and ghdual cardholders to make payments seamlessly at many merchant locations across the country.

Functions of the Famoco PoS
The newly introduced POS terminal from Famoco is a biometric Secure Android 6 device with a battery capacity of 4000mAh, NFC technology, 2G/3G connectivity, Bluetooth connectivity, and GPS to provide flexibility and accomplish business mobility missions. The device also integrates a Secure Access Module slot to secure all transactions and has an enhanced cryptographic performance with a Secure Element (SE). Other Technical Specifications include:

• Fingerprint scanner
• WiFi 802.11 b/g single-band (2.4 GHz) connectivity
• Two (2) SIM slots
• Memory size of 1 GB RAM/ 8GB Mass Storage
• MicroSD Expansion slot
• 1 SAM SLOT (2FF)
• Camera (Rear: 5MP/ Front: 2MP)
• Micro USB & DC via dedicated charger
• 500 battery charge cycle

Why choose the GhIPSS Hybrid Famoco POS?

• The device runs both e-zwich and gh-link applications
• 3rd-party software can be ported to device due to its 1GB RAM and 8GB Mass Storage
• It has a 4.5’’ Capacity touch screen panel with 3 touch points and weighs only 336g
• Replaceable 4000mAh Li-on standard capacity battery with 500 charge cycles
• Long lasting battery (6+ hours - intense use / 14+ hours - moderate use) on a single charge
• The rear camera provides additional feature to complete authentication and identification processes.
• The new hybrid POS is equipped with an optical biometric sensor that executes faster authentication process (matching speed of the fingerprint sensor is less than a second.

The Famoco Point of Sale terminals are currently on sale. Interested acquiring institutions should contact the Cards & Verified Payments Unit of GhIPSS.

The GhIPSS payment bureau uses the e-zwich Payment Distribution System (PDS) for the disbursement of salaries and allowances electronically onto e-zwich cards and mobile money wallets. The Bureau also provides an effective payroll management system using the   e-zwich biometric search engine.

The Bureau is currently responsible for disbursement of funds to beneficiaries of government social intervention programs among others.

Benefits of using the Bureau

• For security and efficiency in payments.
• The Bureau provides timely review of all payment records through a pre-audit exercise to assure clients of the display of due diligence and value for money.
• For efficient payroll management.
• Ensures good audit trail

Organisations and Institutions interested in using the services of the Bureau should send an email to cardpayments@ghipss.com

The Cards & Verified Payments Units supports Financial Institutions with the acquiring and setting up of e-zwich agents. These agents supports with the provision of e-zwich services to cardholders.

Setting Up an e-zwich Agent
Generally, the requirement for setting up as an e-zwich agent is same across platforms i.e. mobile money agent, bank agent and e-zwich agent. Prospective e-zwich agents must have a bank account with a financial institution in addition to the following documents:

• Valid Company Registration documents (Registrar General ONLY)
• Valid National Photo ID of Applicant
• Area(s) of operation (Detailed directional map to agent location(s) or nearest land mark – GPS - digital address)
• Details of existing business account/new account with a recognized Financial Institution (Banks/Savings &Loans/Rural Banks)

After a successful validation by the bank, the agent would be provided the following logistics requirement:

• Point of Sale Terminal (POS)
• Merchant Card
• SIM Card (any network)
• Paper Roll

Agents on the e-zwich platform are setup to provide the following banking services:

• Cash deposit
• Cash withdrawal
• Cash transfers to e-zwich cards
• Cash transfers from e-zwich Card to any Mobile Money wallet
• Cash transfers from any Mobile Money wallet to e-zwich Card

A GhDual Card, is a two in one payment card, that has both the e-zwich & gh-link applications. It therefore can be used either as e-zwich or gh-link or both as desired. Depending on the request of a customer, an issuing bank can activate any of the functionalities that serves a customer's purpose.  The card has been designed to give cardholders access to both funds on their e-zwich cards and in their bank accounts at the same time.

Key features of the GhDual card

• GhDual cards can be issued by all Commercial banks, ARB Apex Banks and licensed Savings & Loans companies
• It is accepted on all e-zwich and gh-link terminals ( ATMs and POS ) as well as Hybrid terminals ( ATM & POS).

GhDual card Transaction Types

The GhDual card supports the following transaction types

• Purchase: The card can be used by cardholders for any point of sale purchase across Merchant locations. The gh-link side can be used for online transactions locally.
• ATM Cash withdrawals: GhDual cardholders can withdraw cash from any e-zwich or gh-link ATM across the country.
• ATM PIN Change: PIN change services for authorizing gh-link transactions are available to cardholders across all ATMs.
• Balance Enquiry: GhDual cardholders can check the balance in their bank account or e-zwich card at terminals that accepts e-zwich, gh-link or both across the country.

Benefits of the GhDual Card

• Individuals: The GhDual Card eliminates the inconvenience that comes with carrying multiple Cards. Individuals who currently have both e-zwich & gh-link cards from their Financial Institutions can now opt for a GhDual Card. This will offer customers access to both funds on their e-zwich card & their bank account for which the Gh-link card was issued.
• Financial Institutions: Financial Institutions currently issue gh-link cards to customers who open accounts. At the same time, they provide e-zwich cards to customers who request e-zwich cards in addition to their gh-link cards. The GhDual card will provide Financial Institutions with an opportunity to cut down on cost of issuing two separate cards to the same customer; as they now have the option to issue a dual card that incorporates the functionalities of both gh-link & e-zwich cards.