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GhIPSS Instant Pay (GIP & GhQR)

Country: Ghana (GH)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 30%

GhIPSS Instant Pay (GIP & GhQR) is Bank of Ghana's interbank real-time clearing system and universal QR payment standard.

🔄 User Payment Flow

  1. Customer selects GhQR / GhIPSS at merchant checkout
  2. Checkout displays GhQR dynamic QR code or pushes GIP bank transfer prompt
  3. Customer opens their bank app or mobile money app and scans GhQR
  4. GhIPSS clears transaction instantly across interbank network

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API requests GhIPSS GhQR payload from acquiring PSP
  • PSP issues payment token and GhQR image URL
  • PSP receives GhIPSS interbank clearing callback and updates merchant order status