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ghana

    All Ghana Mobile Money Interoperability (MMI) GhIPSS Instant Pay (GIP)

Report Year

2025

    GhIPSS Instant Pay (GIP)

  • Geographic Reach

    Ghana

  • Gender

    No

  • Geographic Region

    West Africa

  • Coverage

    Domestic

  • Year Of Establishment

    2015

  • IPS Type

    Bank

  • Interoperability Arrangement

    Multilateral

  • Governance Typology

    Central bank led

  • Ownership Model

    Regulator-owned

  • System Owner

    GhIPPS

  • Overseer

    Bank of Ghana (central bank)

  • System Governance

    GhIPSS

  • Operator

    GhIPSS

  • Settlement Agent

    Bank of Ghana (central bank)

  • Number of Unique IPS End Users

    -

  • Total Number Of Participants

    285

  • Number of Direct Participants: Commercial Banks

    24

  • Number Of Direct Participants: E-money Issuers

    5

  • Number of Direct Participants: MFIs

    -

  • Number of Direct Participants: Other

    -

  • Number of Direct Participants: Post Office

    -

  • Indirect Participants Type

    E-money Issuers (6), Other (PSPs, Fintechs etc.) (52), Savings and Loans companies and MFIs (199)

  • Number of Indirect Participants

    256

  • Supported Use Cases

    P2P, P2B, P2G , B2B, G2P, B2P

  • Supported Instruments

    Credit EFT, Debit EFT, E-money

  • Primary Local Channel

    USSD

  • Supported Channels

    USSD, App, Browser, QR Code, POS, Agent (banking), ATM

  • QR Code Enabled Type

    Both

  • Messaging Standard

    ISO 8583, Proprietary

  • Proxy ID

    Bank account number , Mobile phone number, Merchant ID

  • Other Proxy ID Type

    -

  • Business Model

    Not-for-loss

  • Pricing Structure

    Cost recovery

  • Scheme Rules Public

    No

  • Additional Recourse Requirements

    No

  • Dispute Resolution Mechanism

    Yes

  • API Functionality

    Yes

  • Startup Funding Source

    Bank of Ghana

  • Participation in Decision Making

    Yes

  • Mechanism for Decision Making

    Stakeholder engagements.working groups through the Payment Systems Advisory Committee (PSAC)

  • Ability to become Direct Participants

    No

  • Entities that cannot Participate

    Microfinance Institutions, Savings & Loans, PFTSPs, PSP Standard and PSP Medium Category

  • Min Value for Transactions

    No min. value

  • Corporate Structure

    Private limited company

  • Other Corporate Structure

    -

  • Pull Payment (Request to Pay) Enabled

    Yes

  • Third Party Connections Enabled

    No

  • realTimePaymentConfirmation

    Yes

  • Transaction Validation Enabled

    Yes

  • Inclusivity Ranking

    Progressed