GhIPSS e-zwich


The e-zwich Payment Distribution System (PDS) is an application which provides a secure and convenient method that allows an organization to pay its beneficiaries on their e-zwich smart cards. The PDS system can be used for the distribution of SALARY/ WAGE/ PENSION/ LOAN Payments. This application can be run by a Financial Institution on behalf of an employer or by the employers themselves.

Payments can be made in a batch or single transaction by importing the payment file into the PDS system and processing the payment online. The switch creates individual 10-digit codes for each recipient representing the amount paid and is immediately available to be loaded.

Paying unto e-zwich cards empowers employers and institutions to control when their beneficiaries receive payments as the funds are immediately available after processing is complete. For employees who require to have funds transferred into their traditional bank accounts, the system allows them to split income received from the PDS between their bank accounts and e-zwich cards.

How it works

  • Details of the institution/company are registered on the e-zwich system by the employer´s bank and captured on an Employer produced for the institution/ company.
  • Employer deposits funds (representing Total Net Salary/Wage Payment and processing fees) with its banker and an electronic value for the amount of the total net salary is created and credited to the employer card.
  • The payroll is created in excel or note pad capturing the; Recipient name, Amount and e-zwich card number (i.e. USN; this is available on the reverse of the client card).
  • The payroll data is imported as a "text" or "csv" into the e-zwich payment distribution application. The application distributes the funds based on the data on the payroll to the e-zwich cards of the beneficiaries.
  • Each beneficiary can then load their funds automatically or manually at any Point of Sale (POS) or ATM terminal.


NOTE: a beneficiary can choose to split their income between their e-zwich card and their traditional bank account if their account resides with the same bank that issued them the card. Once payment is made, the percentage of salary that must go onto the card can be loaded immediately. The other half is sent to their traditional bank account the next day. The choice to split your salary/wage between your card and bank account and the percentages involved must be made known to the enroller when you are registering for your e-zwich card. You can always go back to your bank to change the split ratio anytime you so desire.

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