GhanaPay is a mobile money service provided by universal banks, rural banks, and savings and loans companies to individuals and businesses. It is like any mobile money service, but with additional banking services designed for your financial freedom.

Everyone with access to a mobile phone, can register for a GhanaPay Wallet, with or without a bank account.

• GhanaPay gives you the opportunity to have a direct relationship with a bank as a mobile money user.
• Users of GhanaPay have access to unlimited banking services in addition to existing mobile money services.
• Transfers on GhanaPay are free (only e-levy charges apply).

No. GhanaPay is for everyone. You don’t need to have a bank account to have a GhanaPay wallet. You will however be required to select a bank of your choice during registration.

Every GhanaPay customer must belong to a bank that will take care of their money and also offer them a variety of other services.

You can register for a GhanaPay mobile money wallet in one of 3 ways:

• Option 1: SELF REGISTRATION - Dial *707# or download the GhanaPay App from Google or Apple store. Enter information about yourself and, select a bank you wish to own a wallet with. Walk into a branch of the bank you selected to validate your Ghana Card to complete registration. You will receive an SMS to confirm your registration.
• Option 2: BANK BRANCH - Walk into any bank branch of your choice. Ask to be registered for a GhanaPay mobile money wallet. Provide your personal details along with your Ghana Card. When the process is completed, you will receive an SMS to confirm your registration.
• Option 3: DESIGNATED AGENT (LOCATION) – You can go to specially designated GhanaPay Agents to register for a GhanaPay mobile money wallet with a valid Ghana card, just like in a bank branch.

• A registered active mobile phone number
• A valid National ID (Ghana Card)
• Biodata (full name, date of birth, gender etc.)
• Location (GPS) Address

No. All you need is an active mobile phone number from any network.

Yes, you can use any existing mobile phone number for a GhanaPay mobile wallet. To receive money into the mobile wallet, the sender must select GhanaPay as the network.

You are allowed to register one mobile number for only one GhanaPay wallet and with one bank only. You can have multiple GhanaPay wallets if you have more than one mobile number.

You can start using your GhanaPay wallet right after your registration is confirmed. You can receive transfers or start transacting after you have funded the wallet.

GhanaPay has the following services and more:

• Send and receive money on GhanaPay, other networks and bank accounts
• Cash-in and Cash-out
• Pay a GhQR merchant
• Buy Airtime ad Data
• Generate a Token
• Request a statement
• Make a complaint or send feedback
• Pay Bills
• Value added services

You can put cash into your wallet, take cash out of your wallet or redeem a token at any bank branch or designated GhanaPay agents.

Except for Cash-out services, all transactions on GhanaPay are FREE. You only pay the e-levy charge.

Yes there are. Transaction limits are based on information you submit about yourself and they are at three (3) levels - Low, Medium and High. Access your GhanaPay limit from the GhanaPay app or by dialing the *707#. Transaction limit can be increased by visiting any branch of the bank you selected during the registration process.

Yes. Interest will be paid on a customer’s end of day balance. Interest payments will be on a quarterly basis.

Please call the GhanaPay toll free number: 0800-000-707 or visit www.ghipss.com. You may also speak to your bank about GhanaPay.

A quick response code (QR code) is made up of black and white squares which represent certain pieces of information that can instantly be read using a smartphone camera. It basically works in the same way as a barcode at the supermarket.

GhQR is a new and easy way to make payments to a merchant by scanning a QR Code displayed by the merchant with your mobile phone.  The merchant gets the money instantly, just like paying with cash.

GhQR is universal because, with a single QR Code image displayed in their shop, a merchant can receive payments from customers with bank accounts, wallet accounts or card accounts from different banks and payment service providers across the country.

Customer signs up for the service with his/her Payment Services Provider eg. banks

There are two ways by which you can make payments with GhQR at merchant location. Scan to Pay or Dial to Pay.

1. Using Smart Phone (Scan to Pay):
   Log into your Mobile App and follow the prompt (instructions) to pay
2. Using a feature phone ( Dial to Pay): Dial the USSD code (e.g. *123#) of your payment Service Provider and follow the prompt to pay

*Once payment is successful, both the customer and the merchant will receive transaction notifications.

Any merchant location with the GhQR sticker

• You can make payment to any merchant irrespective of where they received their GhQR sticker from.
• Easy and convenient

Customer pays no fee for using GhQR

Kindly Contact your bank or mobile wallet service provider for details on your spending limits.

Kindly contact your bank or mobile wallet service provider.

Kindly contact your Payment Service Provider

A quick response code (QR code) is made up of black and white squares which represent certain pieces of information that can instantly be read using a smartphone camera. It basically works in the same way as a barcode at the supermarket.

GhQR is a new and easy way to receive payments as a merchant, by displaying a QR Code and a Merchant ID in your shop. Customers  will scan the QR code or dial a short code and pay from their bank account or mobile money wallet. The money will be credited to the merchant instantly; just like receiving cash.

• Contact your Payment Service Provider
• You will be registered, and a Merchant ID will be generated/assigned for your business.
• You will also be provided with the GhQR sticker/ stand.
• Visibly display the GhQR sticker and terminal ID at your business location.

• After finalizing purchase ( items & amount to be paid)
• Customer scans the GhQR code displayed at your shop or inputs your terminal ID after dialing a USSD Code (e.g: *300#).
• Customer enters the amount to be paid and approves payment
• Merchant account is credited instantly
• Both Merchant and Customer will receive transaction notification.

This is a negotiation between you and your bank or mobile wallet provider.

• Instant credit to account/wallet
• Setup is cheaper compared to other channels
• Instant payment notification
• Safe and Secure
• Available 24/7 all year round
• Allows you to receive payments from different customer funding source (Bank Account, Mobile Wallet & Card Schemes)

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 serve 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.

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.

The GhDual 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.

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

The GhDual card when issued by banks will function like the existing stand alone cards. However, unlike the stand alone 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.

The GhDual 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 GhDual card.

The GhDual card supports the following transaction types

1. 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.
2. ATM Cash withdrawals: GhDual cardholders can withdraw cash from any e-zwich or gh-link ATM across the country.
3. ATM PIN Change: PIN change services for authorizing gh-link transactions are available to cardholders across all ATMs.
4. 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.

1. Lower cost and affordability: Customers pay less for securing and using GhDual cards as compared to acquiring two individual cards
2. 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.

1. 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.
2. 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.
3. Ecommerce Acceptance: The gh-link side of the GhDual 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

GhDual 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.

Please contact your Financial Institution.