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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 Services

GhIPSS Corporate Suite is an electronic service that allows Corporate Institutions with multiple bank accounts domiciled in different banks in Ghana; see all of their account balances, in one place.
GhIPSS Corporate Suite provides a single platform to view all account balances in real time. This service leverages on the GhIPSS Instant Payment (GIP) platform.

Benefit of the GhIPSS Corporate Suite

  • Corporate Institutions no longer need to separately log on to the internet banking portal of every bank where they maintain accounts.
  • Online real-time view of bank account balances: The balances displayed will be the same as what will be displayed if one is to separately log on to the different internet banking sites of the banks.
  • GhIPSS Corporate Suite portal displays as many accounts as an organization maintain in different banks.
  • Absolute safety for your money as you can always view your accounts through a single log-on.
  • Authorized personnel shall be set up to manage the service on-line and in real-time.
  • Flexibility in adding and deleting of bank accounts.
  • Effective budgeting and forecasting due to the availability of adequate information on account balances at any point in time.

Financial Institutions Interested in offering this service to customers should contact the Real Time Payments Unit. Prospective customers should contact their financial Institutions or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.

MMI is the service which allows direct and seamless transfer of funds from one mobile money wallet to another mobile money wallet across networks. It allows transfer of funds from wallet into bank account and e-zwich cards; and also from wallet and e-zwich cards to bank account.

MMI Functionalities

  • Wallet-to-wallet transactions: Allows mobile money users to move funds to other mobile money platforms.
  • Wallet-to-bank account: Allows mobile money users to transfer funds directly from their wallets to any bank account.
  • Wallet-to-e-zwich card: Allows mobile money users to transfer funds directly from their wallets to any e-zwich card.

NB: Customers seeking to use the MMI service should simply dial their existing mobile money short code and follow the prompt.  They could also contact their mobile money service providers.

RTP’ is a bill payment service that enables a service provider to request payment for goods purchased or service consumed by a customer. The payment request is accompanied with the bill details with options for the customer to approve payment / accept to pay or decline payment / defer payment.

  • ‘RTP’ leverages the GIP service to facilitate instant payments by customers to their service providers.
  • Service Providers send requests for payment via the RTP platform provided by GhIPSS by calling the RTP API
  • Customers will receive and respond to RTP requests from internet /mobile banking / mobile money

It is a biller service that connects a biller’s Enterprise Resource Planning ( ERP) system to a financial Institution’s to mobile app, USSD or  internet banking portal to enable customers of the biller; make real time/ Instant payments directly into biller’s account.  It is suited for large billers like manufacturers, wholesalers and large retailers.

Benefits of e-BILLS Pay

  • e-Bills Pay provides an alternative for businesses to reduce cash holdings and its associated risks.
  • e-Bills Pay provides businesses with a viable alternative to cheques for payments and collections.
  • e-BillsPay is an efficient collection option that provides transparency & certainty in payments.
  • E-Bills Pay offers the biller real time value for all transactions
  • e-Bills Pay provides unrestricted transactions for making payments 24/7/ all year round.

Merchant / Biller

  • Merchant / Biller Integration will be on recommendation and sponsorship of their settlement bank. (Settlement bank will be responsible for performing due diligence on merchant)
  • GhIPSS will provide merchant / Biller with Gateway API document directly under NDA or through their bank
  • Merchant / Biller will go through testing and certification after completion of development work required for integration.

Payer/ Customer

  • Payer/customer will enroll for the service through their bank (Banks will consume an API to register customers on the gateway). Customer details will be captured and sent to the gateway. The Payer/customer will in return receive a one off Customer Identification Value - CIV (via email) which must be presented for every transaction to identify the customer on the gateway.
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