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Who We Are?



GhIPSS logoThe 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.

In line with its mandate, GhIPSS has implemented and currently manages the following:

 

 

  •  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.

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.

Explore Our Products | Services from small business to large industrial markets,Our Commercial product solutions drive your business forward.

 

Interbank POS Switching

Interbank POS Switching

gh-link™, by virtue of its interoperable platform also provides...

e-zwich

e-zwich

e-zwich is the brand name for the National Switch and Smart card payme...

Ghana Automated Clearing House - GACH

Ghana Automated Clearing House - GACH

The Ghana Interbank Payment and Settlement Systems Ltd (GhIPSS) has wi...

About CCC

About CCC

Cheque Codeline Clearing with Cheque Truncation (CCC) is the process o...

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1.What is a Gh Dual Card?

A Gh Dual 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, 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.

2.Why a Gh Dual Card?
  • Individuals: The Gh Dual 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 Gh Dual 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 Gh Dual card will provide Financial Institu- tions with an opportunity to cut down on cost of issuing two separate cards to the same custom- er; as they now have the option to issue a dual card that incorporates the functionalities of both gh-link & e-zwich cards.
3. How does the Gh Dual card work?

The Gh Dual card will work based on a customer's preference. Customers who want to withdraw money or spend off the e-zwich side of the card, will need an e-zwich only terminal or a hybrid terminal. It will also require fingerprint authentication.

Similarly, if the same customer wants to spend off their bank account, they will  need  a gh-link compliant terminal. The standard authentication of transactions for gh-link will apply. However, where there are Hybrid terminals (terminals with both e-zwich & gh-link applications), that can be used to perform both e-zwich & gh-link transactions at the same time.

4. How do I distinguish a Gh Dual card from others?

The Gh Dual card, will bear the details of the bank that issued the card as well as the gh-link and e-zwich logos.

An example of how the gh-link & e-zwich logos will be displayed on the card. A Gh Dual card will be branded in FI's colours like is done for all cards.

5. How different is the Gh Dual card from existing e-zwich only & gh-link only cards?

The Gh Dual card when issued by banks will function like the existing standalone cards. However, unlike the standalone cards, the dual card gives cardholders access to both funds on their e-zwich cards and in their bank accounts. Depending on a customer's requirement, a dual card can function as an e-zwich card or a gh-link card or both.

6. Will the Gh Dual card replace the existing gh-link & e-zwich cards?

The Gh Dual card is only an additional initiative but it will not replace the issuance of the existing gh-link & e-zwich cards. Depending on the needs of a customer, a bank may decide to issue an e-zwich only, a gh-link only or a Gh Dual card.

7. What are the Key features of the Gh Dual card?

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

8. What are the various Gh Dual card Trans action Types?

The Gh Dual 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: Gh Dual 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: Gh Dual cardholders can check the balance in their bank account or e-zwich card at terminals that accept e-zwich, gh-link or both across the country.
9. What are the Benefits of Gh Dual Cards?
  • Lower cost and affordability: Customers pay less for securing and using Gh Dual cards as compared to acquiring two individual cards
  • Secure & Safe: Its combines the security features of both the e-zwich card and the gh-link EMV card. Card transactions are protected and secured.
10. What are the Benefits of Gh Dual Cards?
  • Lower cost and affordability: Customers pay less for securing and using Gh Dual cards as compared to acquiring two individual cards
  • Secure & Safe: Its combines the security features of both the e-zwich card and the gh-link EMV card. Card transactions are protected and secured.
11. Where can I use my Gh Dual Card?
  • ATM Acceptance: Cardholders can use their cards on the numerous gh-link & e-zwich ATMs of Financial Institutions. Customers should look out for the gh-link logo and or the e-zwich logo on ATM terminals.
  • POS Acceptance: Customers can use their cards at merchant locations with gh-link & e-zwich point of sale terminals. They can also use all Hybrid POS terminals .
  • Ecommerce Acceptance: The gh-link side of the Gh Dual card, can be used to purchase goods or services from any online platform in Ghana. A 3DSecure online cardholder authentication technology has been instituted to provide additional security. This does not apply to e-zwich
12. How do I get a Gh Dual Card?

Gh Dual Cards will be issued by all Banks, Rural & Community Banks as well as Savings & Loans Companies. You may request for a gh-dual card from your bank.

13. Who qualifies for a Gh Dual Card?

Any customer who has an e-zwich card and also owns a bank account can opt for a Gh Dual Card instead of two separate cards. This notwithstanding, any customer of a Financial Institution can own a Gh Dual Card.

14. Who do I contact for additional information on the Gh Dual Card?

Please contact your Financial Institution.

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