Ghana

Introduction

General Introduction to be added here

Payment Systems

Payment System Name	System Type	Currency	Clearing Type	Settlement Type	Operating Model	Operator	Regulator
Cheque Codeline Clearing (CCC)	Paper Instruments	GHSGhana Cedi	Deferred	Multi-lateral Netting	0	GhIPSSOperator Type:3rd Party	Bank of GhanaRegulator Type:Central Bank
Ghana Interbank Settlement System (GIS)	RTGS	GHSGhana Cedi	Real-Time	Gross	0	Bank of GhanaOperator Type:Central Bank	Bank of GhanaRegulator Type:Central Bank
Ghana Automated Clearing House	ACH	GHSGhana Cedi	Deferred	Multi-lateral Netting	0	GhIPSSOperator Type:3rd Party	Bank of GhanaRegulator Type:Central Bank
GhIPSS Instant Pay (GIP)	Immediate Payments	GHSGhana Cedi	Real-time	Multi-lateral Netting	0	GhIPSSOperator Type:3rd Party	Bank of GhanaRegulator Type:Central Bank
Gh-Link	Card Network	GHSGhana Cedi	Deferred	Multi-lateral Netting	0	GhIPSSOperator Type:3rd Party	Bank of GhanaRegulator Type:Central Bank
e-zwich	Card Network	GHSGhana Cedi	Deferred	Multi-lateral Netting	0	GhIPSSOperator Type:3rd Party	Bank of GhanaRegulator Type:Central Bank

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Snapshot

Currency	Ghanaian Cedi (GHS)
Economic Bloc
Banking Regulator	Bank of Ghana
Payment Systems Regulator	Bank of Ghana
Capital Markets Regulator
System Operators	Bank of Ghana
Participants
Regulations	Payment Systems and Services Act, 2019
Bank Identifiers	BIC Codes Sort Codes – 6 digit

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Evolution of Payment Systems

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