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Bulk Payments

The Bulk Payment unit is under the Business Development Department of GhIPSS; responsible for the management of all products on the GhIPSS Clearing House Platform.

The objectives of BP Unit are:

  • To develop and manage the relationship between GhIPSS and all users of the Clearing House Platform
  • To ensure users of the Clearing House platforms are well informed and have a better understanding of the Clearing House infrastructure.
  • To ensure customer satisfaction on the functionality and efficiency of the platform
  • To develop business strategies and initiatives to drive usage and transaction volumes.

GhIPSS’ Bulk Payment Services leverage the APTRA Clear infrastructure; for the processing of Cheques and ACH Direct Credit and Debit.

Bulk Payment Services:

  • Cheque Codeline Clearing with Cheque Truncation (CCC)
  • Automated Clearing House Direct Credit (ACH DC)
  • Automated Clearing House Direct Debit (ACH DD)


Participation in the clearing system is open to the following institutions:

  • icensed  Commercial Banks
  • Rural & Community Bank ( Through Apex Bank)
  • Savings & Loans ( Through sponsoring Commercial Bank)


  • The entity must be licensed as a bank by the BOG, issued a settlement account and sort codes
  • The bank then writes to GhIPSS requesting to be setup on the Clearing House platform.
  • GhIPSS writes to the bank advising them about the joining fee and technical requirements
  • Once technical requirements are met and the joining fees paid, the bank joins the financial network through a Comsys provided link.
  • The bank then acquires the necessary hard and software devices to enable them access the financial network.
  • Network testing and file exchange is undertaken between GhIPSS and the bank until the bank is certified on the platform

For further information about the Clearing House, kindly contact the Bulk Payments Department at GhIPSS via email This email address is being protected from spambots. You need JavaScript enabled to view it. or visit our website:

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