gh-link™ - GhIPSS Instant Pay

GhIPSS Instant Pay

GhIPSS Instant Pay (GIP) is a service on the gh-link Platform which allows payments to be sent across financial institutions electronically from one bank account to the other as a single immediate payment.

With GIP, customers of banks can transfer money from their bank accounts to accounts of beneficiaries in another bank instantly. GIP guarantees real time payment.


  • A Customer of Bank A (Source Bank) initiates a transfer request with amount & beneficiary account details (Bank A debits customer and sends name enquiry request to GhIPSS)
  • GhIPSS forwards request to the recipient's bank (Destination Bank -Bank B)
  • Recipients Bank returns Name of recipient account details.
  • GhIPSS forwards account name to source bank (Bank A)
  • Source bank (Bank A) sends credit transfer request to GhIPSS
  • Recipient's Bank (Bank B) applies credit immediately in recipient's account and sends confirmation to GhIPSS
  • GhIPSS forwards confirmation to Source Bank (Bank A)
  • At End of Day, GhIPSS sends net settlement positions to Bank of Ghana
  • Settlement reports are sent to both Source and Destination Banks


  • Transfer is from account in one bank to another account in another bank (Interbank)
  • Funds are applied immediately in beneficiary account
  • Payments are processed based on account numbers
  • To be used for payments made within Ghana in Ghana Cedi
  • 24hr availability (day & night) x 365 days a year


Internet Banking Platforms: This is basically the principal source of transactions. Customers who want to use this service would have to sign onto their banks Internet Banking platform. However, Banks may decide to complement their Internet Banking Platforms with these other Sources:

  1. » Teller Interface: This will facilitate transfers by walk-in customers in bank branches
  2. » ATM

  1. » Business-to-business payments (just-in-time supplier payments)
  2. » Person-to-person fund transfers (person-to-person reimbursements, remittances)
  3. » Business-to-person payments with ad-hoc low value(temporary employee wages etc)
  4. » Person-to-business payments with regular / ad-hoc remote requirements (emergency bill /fee /utility payment)
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