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08.00 to 17.00 Monday to Friday

#19 Mayor Road, Ridge Accra P.M.B. GPO Accra-Ghana

Head Office +233 30 261 0800

Real Time Payments

The Real Time Payment unit is under the Business Development Department of GhIPSS; responsible for the management of all products on the GhIPSS Instant Pay Solution.

The objectives of RTP Unit are:

  • To develop and manage the relationship between GhIPSS and all users of the GhIPSS Instant Pay Solution
  • To ensure users of the GIP solution are well informed and have a better understanding of the Instant Pay infrastructure.
  • To ensure customer satisfaction on the functionality and efficiency of the GIP
  • To develop business strategies and initiatives to drive adoption and Usage.

Real Time Payment Services
GhIPSS’ Real Time/ Instant Payment services leverages the company’s Instant Funds transfer solution which rides on the National Switch; the gh-link Infrastructure. gh-link is GhIPSS’ interbank switching and processing system which interconnects switches of Financial Institutions and systems of third party payment service providers.

  1. GhIPSS Instant Pay (GIP)
  2. Proxy Pay Service
  3. Ghana’s Universal QR Code Scheme (GhQR)
  4. Request to Pay
  5. Mobile Money Interoperability
  6. E-Bills Pay
  7. GIP Payment Gateway
  8. GhIPSS Corporate Suite

Joining the GhIPSS Instant Pay Platform

  • Institutions Interested in offering real time payments services to their customers must be licensed by the Bank of Ghana
  • Participating Institution must also meet all GhIPSS joining requirements

For further information about the GhIPSS Real Time Payment Solutions and joining requirements, kindly contact the Real Time 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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