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The gh-link™ Network also operates a domestic debit card scheme under the brand name gh-link™ enabling accredited financial institutions and third parties to issue EMV white label cards that are accepted nationwide across its ATM and POS network.

The scheme has a published National EMV Standard and Specifications for the issuance and acceptance of EMV cards in Ghana based on the Gemalto PURE technology.  

It has its own Certificate Authority, has a Block holder status granted by the RMG to issue  IINs to scheme members and a fully setup lab for testing and validation of the gh-link™ card.

The gh-link™ scheme currently has 30 issuers and counting. The gh-link™ card is accepted on the terminals of 2,044 network members
Joining the Scheme

It is mandatory for all Financial Institutions in Ghana to be members of the scheme. However, card manufacturers and Personalization Bureaus who want to be listed as gh-link scheme service providers should contact the Project Management Office of GhIPSS for the requirements.

gh-link is GhIPSS’ interbank switching and processing system which interconnects financial institutions and systems of third party payment service providers. gh-link™ is a local electronic payment ecosystem based on the domestic ATM card with channels such as ATM, POS and Web.

gh-link™ provides the following services:

  • Interbank Switching and Processing: As a result of its position as the central switch interconnecting financial institutions and third parties, gh-link™ switches, clears all interbank transactions and facilitates net settlement in Bank of Ghana RTGS
  • Payment Gateway Services: gh-link™ provides web acquiring services to local online merchants for domestic ATM cards. This package comes with a merchant plug-in for enforcement of 3D secure authentication.
  • 3D Secure Services: gh-link™ provides gh-secure™- its 3D secure platform- for all domestic card issuers as a second layer cardholder security for online payments. 
  • Instant Interbank Transfer Service – GhIPSS INSTANT PAY (GIP): GhIPSS Instant Pay (GIP)  allows payments to be sent across financial institutions electronically from one bank account to the other as a single immediate payment; from channels such as internet banking, mobile, ATM, POS or Teller system.
  • Hosting Services: The gh-link™ hosting platform has a multi-institution feature which enables it to host several financial institutions uniquely and independently on the same system. gh-link™ hosting services provides, issuing and acquiring (Terminal Driving - ATM / POS) services
  • Settlement Services: Aside its interbank settlement function for all its shared services, GhIPSS also provides reliable and efficient interbank settlement of financial transactions conducted by third party payment schemes such as MNO mobile money which involve payment exchanges between their scheme member financial institutions.

The gh-link™ platform has a multi-institution feature which enables it to host several financial institutions uniquely and independently on the same system.

This hosting package comes with a suite of services including:

CARD Management
A hosted gh-link™ institution will have its own card management system which interfaces with its banking host and gives it the ability to issue cards (either chip/magstripe) to its customers.

ATM Driving
A hosted gh-link™ institution also has the benefit of a high availability ATM driving service with ATM monitoring centrally (at the switch level) or decentrally (at the institution level).
gh-link™ ATM driving comes with Hybrid ATM capability (The ATM accepts both biometric(e-zwich) and standard cards) and other value added ATM products.

POS Driving
A hosted bank can also access gh-link™´s POS device driving and transaction processing solution which is designed to deliver multi-card (EMV, e-zwich & Proprietary cards) switching and processing. gh-link™´s POS devices thus provide merchants with great value and best in class retail solutions for their customers.
 
Hosting Services Customers

SNMERCHANT NAMECATEGORYLOCATION
1 AFRICAN REGENT HOSPITALITY AIRPORT
2 ALLIED OIL OMC ADJRINGANOR
3 ALLIED OIL OMC OSU
4 ALLIED OIL OMC SAKAMAN
5 ALLIED OIL OMC MEMPEASEM
6 ALLIED OIL OMC BAWALESHIE
7 ALLIED OIL OMC ADENTA NO. 1
8 ALLIED OIL OMC ADENTA NO. 2
9 ALLIED OIL OMC BAATSONA
10 ALLIED OIL OMC BUBUASHIE
11 ALLIED OIL OMC ACHIMOTA
12 ALLIED OIL OMC ODORKOR NO. 1
13 ALLIED OIL OMC TEMA MOTORWAY
14 ALLIED OIL OMC ABELEMKPE
15 ANSAPHARMA PHARMACY OSU
16 ASANKA JEWELRY JEWELRY KOKOMLEMLE
17 ATLANTIC TULIP RESTAURANT OSU
18 BAATSONA TOTAL OMC BAATSONA
19 BABONA RETAIL WEIJA JUNCTION
20 BROBBSON PHARMACY LTD PHARMACY NIA
21 BUKA RESTAURANT RESTAURANT OSU
22 CELEBRITY GULF CLUB RESTAURANT SAKUMONO
23 CLEAVER HOUSE EVENTS MANAGEMENT RIDGE
24 DELCIELO OPTICAL RING ROAD
25 DELFINO ENTERTAINMENT CASINO OSU
26 DIPLOMAT GUEST HOUSE HOSPITALITY DZORWULU
27 DISTRIBUTORS INC OMC KANESHIE
28 EAST CANTONMENTS PHARMACY EAST LEGON
29 EAST CANTONMENTS PHARMACY PHARMACY DZORWULU
30 EQUITY PHARMACY PHARMACY EAST LEGON
31 FIESTA ROYAL HOTEL HOSPITALITY DZORWULU
32 GIFTARIUN JEWELRY OSU
33 GNLD RETAIL NORTH INDUSTRIAL
34 HONEY SUCKLE RESTAURANT RING WAY ESTATES
35 IMPERIAL PEKING RESTAURANT AIRPORT
36 IMPERIAL PEKING RESTAURANT TEMA COM. 9
37 JANE ANN SUPERMARKET SUPERMARKET MADINA
38 JANE ANN SUPERMARKET SUPERMARKET NUNGUA
39 JANE ANN SUPERMARKET SUPERMARKET PRESEC JUNCTION
40 JANE ANN SUPERMARKET SUPERMARKET TESHIE
41 KARLDOF RESTAURANT TESANO
42 LIFESTYLE GALERY FURNITURE SPINTEX ROAD
43 MAXMART SUPERMARKET 37
44 MAXMART SUPERMARKET A&C MALL
45 MEDIMART PHARMACY PHARMACY SPINTEX ROAD
46 PALACE SHOPPING MALL SUPERMARKET SPINTEX ROAD
47 RINA’S RESTAURANT RESTAURANT OSU
48 SARLINESTA SUPERMARKET ACHIMOTA
49 SAS JEWELLERY JEWELRY OXFORD STREET
50 SPENDSTORE PHOTOGRAPHY ACCRA MALL
51 TRUST RESTAURANT RESTAURANT RIDGE
52 UNION OIL GH LTD OMC

DARKUMAN

53 UNIQUE CREATIONS RETAIL AIRPORT
54 VLISCO FASHION/CLOTHING ACCRA MALL
55 VLISCO FASHION/CLOTHING WESTHILLS MALL
56 WOODIN FASHION/CLOTHING A&C MALL
57 WOODIN FASHION/CLOTHING ACCRA MALL
58 WOODIN FASHION/CLOTHING HIGH STREET
59 WOODIN FASHION/CLOTHING JUNCTION MALL
60 WOODIN FASHION/CLOTHING OSU/ WHOLESALE
61 WOODIN FASHION/CLOTHING OSU/RETAIL
62 WOODIN FASHION/CLOTHING WESTHILLS MALL
63 ZEIN JEWELRY JEWELRY SALES ADABRAKA
64 KOALA SHOPPING MALL SUPERMARKET OSU
65 KOALA SHOPPING MALL SUPERMARKET AIRPORT
66 GAME SHOPPING MALL ACCRA MALL

The GhIPSS Third Party Settlement Service (GTPSS) is a service provided to third Party Payment Schemes/Service Providers. This Service enables their member financial institutions fulfill financial obligations to each other at the Central Bank.

GhIPSS provides reliable and efficient interbank settlement of financial transactions conducted by third party payment schemes such as MNO mobile money which involve payment exchanges between their scheme member financial institutions.

gh-link™´s settlement service is integrated with the Real Time Gross Settlement (RTGS) System of the Central Bank where settlement is final and irrevocable.

 

Third Party Settlement Service Customers


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