The Ghana Interbank Payments and Settlement Systems (GhIPSS) today officially launched their QR Payment platform called “GhQR” as well as its Proxy Pay platform.

How Does “GhQR” Work

The Ghana Interoperable QR Code solution (GhQR) will allow Ghanaian users to make payments by scanning a unique QR code and making a direct payment to a merchant. Merchants who offer the GhQR solution will receive payments instantly.

Merchants will be able to receive payments from customers instantly from customers’ bank accounts, mobile money wallets, and other virtual wallets.

To sign up to use GhQR, users will have to go to their banks and sign up for the service. Banks which currently offer the GhQR service are:

  • Zenith Bank
  • Cal Bank
  • Ghana Commercial Bank
  • Fidelity Bank
  • United Bank of Africa (UBA)
  • Guaranty Trust Bank (GTB)
  • Ecobank
  • CBG
  • ADB
  • Republic Bank

Merchants who sign up for the service will receive a unique GhQR sticker. Customers can also input the merchant ID when they dial a USSD code to confirm payment.

Proxy Pay

The Proxy Pay service which uses GhIPSS Instant Pay service. Users with bank accounts can register an alias/proxy identifier (such as a phone number) as part of their account details when signing up.

Users with those bank accounts can be credited using that specific alias or proxy and receive payments in their bank accounts. Currently, the proxy pay system can only be linked to one bank at a time.

Users can register for the service with their banks.

*We’re updated the list of partner banks who have gone live with GhQR platform

Joseph-Albert Kuuire
Joseph-Albert Kuuire is the creator and editor of, an online digital platform focusing on technology in Ghana. Email: [email protected]

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