Merchant / Biller

• Merchant / Biller Integration will be on recommendation and sponsorship of their settlement bank. (Settlement bank will be responsible for performing due diligence on merchant)
• GhIPSS will provide merchant / Biller with Gateway API document directly under NDA or through their bank
• Merchant / Biller will go through testing and certification after completion of development work required for integration.

Payer/ Customer

• Payer/customer will enroll for the service through their bank (Banks will consume an API to register customers on the gateway). Customer details will be captured and sent to the gateway. The Payer/customer will in return receive a one off Customer Identification Value - CIV (via email) which must be presented for every transaction to identify the customer on the gateway.