Overview
Instant Payment Solutions Limited is a Ghanaian payment provider included in the Bank of Ghana's list of approved institutions. The central bank has placed the company in the PSP Medium category, so it operates as a regulated payment service provider.
What the licence means
The Bank of Ghana groups payment providers into categories by the scope of permitted activity and capital requirements. Medium is the middle tier: the company may provide payment services in Ghana under the regulator's supervision. For a merchant, this means the counterparty has passed central bank vetting and follows local rules.
Why it matters
In Ghana, most cashless payments go through mobile money and local payment networks. Working with a licensed PSP makes it easier for the merchant's bank to vet the counterparty and lowers the risk of settlement being halted for regulatory reasons.
What to clarify when connecting
- the specific acceptance methods — mobile money, cards, bank transfers;
- fees and settlement times;
- whether the company works only domestically or with international merchants.
These details are not published and are discussed on request.
What they do
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