GhIPSS - GHANA AUTOMATED CLEARING HOUSE

GHANA AUTOMATED CLEARING HOUSE - GACH

OVERVIEW OF GACH

GACH refers to the Ghana Automated Clearing House. This is the medium used to transfer funds between bank accounts. GACH can be used to handle bulk or single electronic credit and debit of funds and requires no images. There are two types of ACH transfers namely ACH Direct Credit and ACH Direct Debit.

GACH DIRECT CREDIT AND DIRECT DEBIT CLEARING TIMES

TRANSACTION TYPE

SESSION NUMBER

OPEN

CLOSE

ACH Direct Credit PRESENTMENT

SESSION 2

18:00
(PREVIOUS DAY)

10:00
(NEXT DAY)

ACH Direct Credit Returns

SESSION 4

14:00

16:00

ACH Direct Debit PRESENTMENT

SESSION 7

18:00
(PREVIOUS DAY)

10:00
(NEXT DAY)

ACH Direct Debit Returns

SESSION 8

14:00

16:00

Express Direct Credit PRESENTMENT

SESSION 12

11:00

12:00

Express Direct Credit Returns

SESSION 13

13:00

14:00

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