Select Countries and Regions

  • Africa

    Pan African Payment & Settlement System

    Scheme name: Pan African Payment & Settlement System

    IIPS Type: Bank

    Instruments: Credit EFT, Debit EFT

    Use cases: Transfers & remittances (P2P), Cross-border

    Inclusivity level: Not ranked

    Year of establishment: 2022

    System owner: PAPSS Governing Council

    Overseer: PAPSS Governing Council

    Operator: PAPSS Management Board

    Total Participants: 12

    Volumes 2021: N/A

    Values 2021: N/A

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  • CEMAC

    GIMACPAY

    Scheme name: GIMACPAY

    IIPS Type: Cross-domain

    Instruments: E-money, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Cross-border

    Inclusivity level: Progressed

    Year of establishment: 2020

    System owner: Bank of Central African States

    Overseer: Bank of Central African States

    Operator: GIMAC

    Total Participants: 60

    Volumes 2021: 2,307,820

    Values 2021: 60,241,021 USD

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  • SADC

    Transactions Cleared on an Immediate Basis (TCIB)

    Scheme name: Transactions Cleared on an Immediate Basis (TCIB)

    IIPS Type: Cross-domain

    Instruments: Credit EFT

    Use cases: Transfers & remittances (P2P), Cross-border

    Inclusivity level: Not ranked

    Year of establishment: 2021

    System owner: SADC Payment Systems Management Board

    Overseer: SADC Payment System Oversight Committee

    Operator: BankservAfrica

    Total Participants: 14

    Volumes 2021: N/A

    Values 2021: N/A

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  • Djibouti

    Djibouti

    Système de Règlement Automatisé de Djibouti (SYRAD)

    Scheme name: Système de Règlement Automatisé de Djibouti (SYRAD)

    IIPS Type: Cross-domain

    Inclusivity level: Not ranked

    Year of establishment: 2022

    System owner: Central Bank of Djibouti

    Overseer: Central Bank of Djibouti

    Operator: Central Bank of Djibouti

    Total Participants: N/A

    Volumes 2021: N/A

    Values 2021: N/A

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    • Instant Payment Network

      Egypt

      Instant Payment Network

      Scheme name: Instant Payment Network

      IIPS Type: Bank

      Instruments: E-money

      Inclusivity level: Not ranked

      Year of establishment: 2022

      System owner: Central Bank of Egypt

      Overseer: Central Bank of Egypt

      Operator: The Egyptian Banks Company

      Total Participants: 13

      Volumes 2021: N/A

      Values 2021: N/A

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    • Ta7Weel

      Egypt

      Ta7Weel

      Scheme name: Ta7Weel

      IIPS Type: Mobile money

      Instruments: E-money

      Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Business purchases (B2B)

      Inclusivity level: Not ranked

      Year of establishment: 2017

      System owner: Egyptian Banks Company

      Overseer: Central Bank of Egypt

      Operator: Egyptian Banks Company

      Total Participants: 9

      Volumes 2021: N/A

      Values 2021: N/A

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  • Gambia

    Gambia

    Gamswitch

    Scheme name: Gamswitch

    IIPS Type: Bank

    Instruments: Credit EFT, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G)

    Inclusivity level: Basic

    Year of establishment: 2020

    System owner: Gamswitch

    Overseer: Central Bank of Gambia

    Operator: Central Bank of Gambia

    Total Participants: 12

    Volumes 2021: N/A

    Values 2021: N/A

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    • GhIPSS Instant Pay (GIP)

      Ghana

      GhIPSS Instant Pay (GIP)

      Scheme name: GhIPSS Instant Pay (GIP)

      IIPS Type: Bank

      Instruments: Credit EFT, Debit EFT, E-money, Card

      Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Social disbursements (G2P), Business purchases (B2B), Salaries & wages (B2P)

      Inclusivity level: Progressed

      Year of establishment: 2018

      System owner: Bank of Ghana

      Overseer: Bank of Ghana

      Operator: GhIPSS

      Total Participants: 52

      Volumes 2021: 21,990,000

      Values 2021: 2,536,822,762 USD

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    • Ghana Mobile Money Interoperability (MMI)

      Ghana

      Ghana Mobile Money Interoperability (MMI)

      Scheme name: Ghana Mobile Money Interoperability (MMI)

      IIPS Type: Mobile money

      Instruments: Credit EFT, E-money

      Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G), Social disbursements (G2P), Business purchases (B2B), Salaries & wages (B2P)

      Inclusivity level: Progressed

      Year of establishment: 2016

      System owner: Bank of Ghana

      Overseer: Bank of Ghana

      Operator: GhiPSS

      Total Participants: 5

      Volumes 2021: 3,373,835,000

      Values 2021: 81,139,155,993 USD

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    • PesaLink

      Kenya

      PesaLink

      Scheme name: PesaLink

      IIPS Type: Bank

      Instruments: Credit EFT

      Use cases: Transfers & remittances (P2P)

      Inclusivity level: Not ranked

      Year of establishment: 2016

      System owner: Kenya Bankers Association

      Overseer: Central Bank of Kenya

      Operator: IPSL

      Total Participants: 39

      Volumes 2021: 2,669,000

      Values 2021: 2,743,485,273 USD

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    • Kenya mobile money

      Kenya

      Kenya mobile money

      Scheme name: Kenya mobile money

      IIPS Type: Mobile money

      Instruments: E-money

      Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Business purchases (B2B), Salaries & wages (B2P)

      Inclusivity level: Basic

      Year of establishment: 2018

      System owner: None (bilateral agreements)

      Overseer: Central Bank of Kenya

      Operator: None (bilateral agreements)

      Total Participants: 3

      Volumes 2021: 4,273,233,580

      Values 2021: 91,999,152,970 USD

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  • Madagascar

    Madagascar

    Madagascar mobile money

    Scheme name: Madagascar mobile money

    IIPS Type: Mobile money

    Instruments: E-money

    Use cases: Transfers & remittances (P2P), Fees & taxes (P2G), Social disbursements (G2P)

    Inclusivity level: Not ranked

    Year of establishment: 2016

    System owner: None (bilateral agreements between EMIs)

    Overseer: None

    Operator: None (bilateral agreements between EMIs)

    Total Participants: 3

    Volumes 2021: N/A

    Values 2021: N/A

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  • Malawi

    Malawi

    Natswitch

    Scheme name: Natswitch

    IIPS Type: Cross-domain

    Instruments: Credit EFT, Debit EFT, E-money, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Business purchases (B2B)

    Inclusivity level: Progressed

    Year of establishment: 2015

    System owner: Reserve Bank of Malawi

    Overseer: Reserve Bank of Malawi

    Operator: Natswitch

    Total Participants: 13

    Volumes 2021: 9,826,572

    Values 2021: 197,867,086 USD

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  • Mauritius

    Mauritius

    Mauritius Central Automated Switch (MauCAS)

    Scheme name: Mauritius Central Automated Switch (MauCAS)

    IIPS Type: Bank

    Instruments: Credit EFT, Debit EFT, E-money, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Business purchases (B2B), Salaries & wages (B2P)

    Inclusivity level: Basic

    Year of establishment: 2019

    System owner: Bank of Mauritius

    Overseer: Bank of Mauritius

    Operator: Bank of Mauritius

    Total Participants: 12

    Volumes 2021: 808,000

    Values 2021: 47,203,610 USD

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  • Morocco

    Morocco

    MarocPay

    Scheme name: MarocPay

    IIPS Type: Cross-domain

    Instruments: E-money, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G), Social disbursements (G2P), Business purchases (B2B)

    Inclusivity level: Basic

    Year of establishment: 2018

    System owner: Bank Al-Maghrib

    Overseer: Bank Al-Maghrib

    Operator: HPS Switch

    Total Participants: N/A

    Volumes 2021: 2,207,835

    Values 2021: 190,315,353 USD

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  • Mozambique

    Mozambique

    Sociedade Interbancaria De Mocambique (SIMO)

    Scheme name: Sociedade Interbancaria De Mocambique (SIMO)

    IIPS Type: Cross-domain

    Instruments: E-money, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G)

    Inclusivity level: Basic

    Year of establishment: 2014

    System owner: Interbancos

    Overseer: Banco de Moçambique

    Operator: Interbancos

    Total Participants: 17

    Volumes 2021: N/A

    Values 2021: N/A

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  • Namibia

    Namibia

    NamPay

    Scheme name: NamPay

    IIPS Type: Bank

    Instruments: Credit EFT, Debit EFT

    Use cases: Transfers & remittances (P2P), Business purchases (B2B)

    Inclusivity level: Not ranked

    Year of establishment: 2021

    System owner: Payments Association of Namibia (PAN)

    Overseer: Bank of Namibia

    Operator: Payments Association of Namibia (PAN)

    Total Participants: 9

    Volumes 2021: N/A

    Values 2021: N/A

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    • NIBSS Instant Payment (NIP)

      Nigeria

      NIBSS Instant Payment (NIP)

      Scheme name: NIBSS Instant Payment (NIP)

      IIPS Type: Cross-domain

      Instruments: Credit EFT, Debit EFT, E-money

      Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Social disbursements (G2P), Business purchases (B2B), Salaries & wages (B2P)

      Inclusivity level: Basic

      Year of establishment: 2011

      System owner: NIBSS

      Overseer: CBN

      Operator: NIBSS

      Total Participants: 230+

      Volumes 2021: 3,473,190,000

      Values 2021: 655,040,300,346 USD

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    • Nigeria mobile money

      Nigeria

      Nigeria mobile money

      Scheme name: Nigeria mobile money

      IIPS Type: Mobile money

      Instruments: Credit EFT, Debit EFT, E-money, Card

      Use cases: Transfers & remittances (P2P), Business purchases (B2B)

      Inclusivity level: Not ranked

      Year of establishment: 2013

      System owner: NIBSS

      Overseer: Central Bank of Nigeria

      Operator: NIBSS

      Total Participants: 21

      Volumes 2021: N/A

      Values 2021: N/A

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    • eNaira

      Nigeria

      eNaira

      Scheme name: eNaira

      IIPS Type: Sovereign currency

      Instruments: CBDC

      Use cases: Transfers & remittances (P2P), Merchant payments (P2B)

      Inclusivity level: Basic

      Year of establishment: 2021

      System owner: Central Bank of Nigeria

      Overseer: Central Bank of Nigeria

      Operator: Central Bank of Nigeria

      Total Participants: 33

      Volumes 2021: 34,000

      Values 2021: 448,393 USD

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  • Rwanda

    Rwanda

    eKash

    Scheme name: eKash

    IIPS Type: Mobile money

    Instruments: E-money

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B)

    Inclusivity level: Basic

    Year of establishment: 2022

    System owner: R-Switch

    Overseer: National Bank of Rwanda

    Operator: R-Switch

    Total Participants: 2

    Volumes 2021: N/A

    Values 2021: N/A

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  • Somalia

    Somalia

    Somalia National Payment System

    Scheme name: Somalia National Payment System

    IIPS Type: Bank

    Instruments: Credit EFT, Debit EFT, E-money, Card

    Inclusivity level: Not ranked

    Year of establishment: 2022

    System owner: Central Bank of Somalia

    Overseer: Central Bank of Somalia

    Operator: Central Bank of Somalia

    Total Participants: 9

    Volumes 2021: N/A

    Values 2021: N/A

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  • South Africa

    South Africa

    Real Time Clearing (RTC)

    Scheme name: Real Time Clearing (RTC)

    IIPS Type: Bank

    Instruments: Credit EFT

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Business purchases (B2B), Salaries & wages (B2P)

    Inclusivity level: Basic

    Year of establishment: 2006

    System owner: BankservAfrica

    Overseer: South African Reserve Bank

    Operator: BankservAfrica

    Total Participants: N/A

    Volumes 2021: 94,000,000

    Values 2021: 60,123,713,411 USD

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    • Tanzania mobile money

      Tanzania

      Tanzania mobile money

      Scheme name: Tanzania mobile money

      IIPS Type: Mobile money

      Instruments: E-money

      Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G), Business purchases (B2B)

      Inclusivity level: Not ranked

      Year of establishment: 2014

      System owner: None (bilateral agreements between EMIs)

      Overseer: Bank of Tanzania

      Operator: None (bilateral agreements between EMIs)

      Total Participants: 6

      Volumes 2021: N/A

      Values 2021: N/A

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    • Tanzania Instant Payment System (TIPS)

      Tanzania

      Tanzania Instant Payment System (TIPS)

      Scheme name: Tanzania Instant Payment System (TIPS)

      IIPS Type: Cross-domain

      Instruments: Credit EFT, Debit EFT, E-money, Card

      Use cases: Transfers & remittances (P2P), Merchant payments (P2B)

      Inclusivity level: Not ranked

      Year of establishment: 2022

      System owner: Bank of Tanzania

      Overseer: Bank of Tanzania

      Operator: Bank of Tanzania

      Total Participants: N/A

      Volumes 2021: N/A

      Values 2021: N/A

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  • Tunisia

    Tunisia

    Tunisia mobile money

    Scheme name: Tunisia mobile money

    IIPS Type: Mobile money

    Instruments: E-money, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G)

    Inclusivity level: Not ranked

    Year of establishment: 2018

    System owner: Central Bank of Tunisia

    Overseer: Central Bank of Tunisia

    Operator: Central Bank of Tunisia

    Total Participants: 3

    Volumes 2021: N/A

    Values 2021: N/A

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  • Uganda

    Uganda

    Uganda mobile money

    Scheme name: Uganda mobile money

    IIPS Type: Mobile money

    Instruments: E-money

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G), Social disbursements (G2P), Business purchases (B2B)

    Inclusivity level: Basic

    Year of establishment: 2017

    System owner: None (bilateral agreements)

    Overseer: Uganda Chamber of Communication

    Operator: Pegasus

    Total Participants: 7

    Volumes 2021: 4,290,780,097

    Values 2021: 36,432,744,824 USD

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  • Zambia

    Zambia

    Zambia Eletronic Clearing House Limited (ZECHL)

    Scheme name: Zambia Eletronic Clearing House Limited (ZECHL)

    IIPS Type: Cross-domain

    Instruments: E-money, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B)

    Inclusivity level: Progressed

    Year of establishment: 2020

    System owner: ZECHL

    Overseer: Bank of Zambia

    Operator: ZECHL

    Total Participants: 17

    Volumes 2021: 25,250,681

    Values 2021: 1,071,829,397 USD

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  • Zimbabwe

    Zimbabwe

    Zimswitch Instant Payment Interchange Technology (ZIPIT)

    Scheme name: Zimswitch Instant Payment Interchange Technology (ZIPIT)

    IIPS Type: Cross-domain

    Instruments: Credit EFT, E-money, Card

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Fees & taxes (P2G), Social disbursements (G2P), Business purchases (B2B), Salaries & wages (B2P)

    Inclusivity level: Basic

    Year of establishment: 2013

    System owner: Zimswitch

    Overseer: Reserve Bank of Zimbabwe

    Operator: ZimSwitch

    Total Participants: 20

    Volumes 2021: N/A

    Values 2021: N/A

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