Select Countries and Regions

  • CEMAC

    GIMACPAY

    Scheme name: GIMACPAY

    IIPS Type: Cross-domain

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

    Channels: Browser, App, POS, QR, USSD, ATM

    Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Inventory & business services (B2B)

    Inclusivity level: Progressed

    Year of establishment: 2020

    System owner: BEAC and commercial banks

    Overseer: BEAC

    Operator: GIMAC

    Total Participants: 105

    Volumes 2023: 12,035,288

    Values 2023: 983,219,448 USD

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      • PAPSS (Pilot)

        Pan African Payment & Settlement System

        Scheme name: Pan African Payment & Settlement System

        IIPS Type: Bank

        Instruments: Credit EFT, Debit EFT

        Channels: Browser, App, Branch

        Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Inventory & business services (B2B), Salaries & wages (B2P), 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: 54

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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, Debit EFT

        Channels: App

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

        Inclusivity level: Not ranked

        Year of establishment: 2021

        System owner: CCBG

        Overseer: SADC Payment System Oversight Committee

        Operator: BankservAfrica

        Total Participants: 2

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        • Angola

          Angola

          Kwanza Instantâneo (KWiK)

          Scheme name: Kwanza Instantâneo (KWiK)

          IIPS Type: Cross-domain

          Instruments: E-money

          Channels: Browser, App, USSD

          Use cases: Transfers & remittances (P2P)

          Inclusivity level: Not ranked

          Year of establishment: 2023

          System owner: National Bank of Angola

          Overseer: National Bank of Angola

          Operator: Empresa Interbancária de Serviços (EMIS)

          Total Participants: 11

          Volumes 2023: 5,983

          Values 2023: 301,007 USD

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          • Instant Payment Network (IPN)

            Egypt

            Instant Payment Network (IPN)

            Scheme name: Instant Payment Network (IPN)

            IIPS Type: Cross-domain

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

            Channels: Browser, App, QR, Branch

            Use cases: Transfers & remittances (P2P), Bill payments (P2B/P2G), Inventory & business services (B2B), Salaries & wages (B2P)

            Inclusivity level: Not ranked

            Year of establishment: 2022

            System owner: Central Bank of Egypt

            Overseer: Central Bank of Egypt

            Operator: Egyptian Banks Company

            Total Participants: 36

            Volumes 2023: 423,500,000

            Values 2023: 17,895,003,422 USD

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          • Meeza Digital

            Egypt

            Meeza Digital

            Scheme name: Meeza Digital

            IIPS Type: Mobile money

            Instruments: Debit EFT, E-money, Card

            Channels: App, POS, QR, NFC, USSD, ATM, Branch, Agent

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Inventory & business services (B2B), Salaries & wages (B2P)

            Inclusivity level: Basic

            Year of establishment: 2017

            System owner: Central Bank of Egypt

            Overseer: Central Bank of Egypt

            Operator: Egyptian Banks Company

            Total Participants: 112

            Volumes 2023: 1,023,600,000

            Values 2023: 26,739,948,973 USD

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        • Ethiopia

          Ethiopia

          EthSwitch

          Scheme name: EthSwitch

          IIPS Type: Cross-domain

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

          Channels: Browser, App, POS, QR, USSD, ATM, Branch, Agent

          Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G)

          Inclusivity level: Basic

          Year of establishment: 2023

          System owner: National Bank of Ethiopia and industry

          Overseer: National Bank of Ethiopia

          Operator: EthSwitch

          Total Participants: 35

          Volumes 2023: 28,792,887

          Values 2023: 3,402,804,612 USD

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        • Gambia

          Gambia

          Gamswitch

          Scheme name: Gamswitch

          IIPS Type: Bank

          Instruments: Credit EFT, Debit EFT

          Channels: Browser, App, POS, USSD, ATM, Branch

          Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Inventory & business services (B2B), Salaries & wages (B2P)

          Inclusivity level: Basic

          Year of establishment: 2020

          System owner: Central Bank of Gambia and industry

          Overseer: Central Bank of Gambia

          Operator: Gamswitch

          Total Participants: 12

          Volumes 2023: 1,471,000

          Values 2023: 65,611,730 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

            Channels: Browser, App, QR, USSD, Branch, Agent

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Social disbursements (G2P), Inventory & business services (B2B), Salaries & wages (B2P)

            Inclusivity level: Progressed

            Year of establishment: 2015

            System owner: GhIPSS (owned by Bank of Ghana)

            Overseer: Bank of Ghana

            Operator: GhIPSS

            Total Participants: 6

            Volumes 2023: 171,299,882

            Values 2023: 2,387,719,079 USD

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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

            Channels: Browser, App, USSD

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

            Inclusivity level: Progressed

            Year of establishment: 2015

            System owner: GhIPSS (owned by Bank of Ghana)

            Overseer: Bank of Ghana

            Operator: GhIPSS

            Total Participants: 50

            Volumes 2023: 115,368,700

            Values 2023: 8,847,821,923 USD

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          • Kenya mobile money

            Kenya

            Kenya mobile money

            Scheme name: Kenya mobile money

            IIPS Type: Mobile money

            Instruments: E-money

            Channels: Browser, App, USSD

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Inventory & business services (B2B), Salaries & wages (B2P)

            Inclusivity level: Basic

            Year of establishment: 2018

            System owner: None (bilateral agreements)

            Overseer: Central Bank of Kenya and Communications Authority Kenya

            Operator: None (bilateral agreements)

            Total Participants: 3

            Volumes 2023: 24,205,305,824

            Values 2023: 285,396,247,314 USD

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          • PesaLink

            Kenya

            PesaLink

            Scheme name: PesaLink

            IIPS Type: Bank

            Instruments: Credit EFT, Debit EFT

            Channels: Browser, App, USSD, ATM

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Salaries & wages (B2P)

            Inclusivity level: Not ranked

            Year of establishment: 2017

            System owner: Kenya Bankers Association

            Overseer: Central Bank of Kenya

            Operator: IPSL

            Total Participants: 37

            Volumes 2023: 6,034,787

            Values 2023: 6,259,222,223 USD

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        • Lesotho

          Lesotho

          LeSwitch

          Scheme name: LeSwitch

          IIPS Type: Mobile money

          Instruments: E-money

          Channels: App, USSD

          Use cases: Transfers & remittances (P2P)

          Inclusivity level: Not ranked

          Year of establishment: 2024

          System owner: Central Bank of Lesotho

          Overseer: Central Bank of Lesotho

          Operator: Central Bank of Lesotho

          Total Participants: 5

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        • Madagascar

          Madagascar

          Madagascar mobile money

          Scheme name: Madagascar mobile money

          IIPS Type: Mobile money

          Instruments: E-money

          Channels: USSD

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

          Inclusivity level: Basic

          Year of establishment: 2016

          System owner: None (bilateral agreements)

          Overseer: Central Bank of Madagascar

          Operator: None (bilateral agreements)

          Total Participants: 3

          Volumes 2023: 946,443,373

          Values 2023: 12,598,079,557 USD

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        • Malawi

          Malawi

          Natswitch

          Scheme name: Natswitch

          IIPS Type: Cross-domain

          Instruments: Credit EFT, E-money, Card

          Channels: Browser, App, POS, NFC, USSD, ATM, Branch, Agent

          Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Inventory & business services (B2B)

          Inclusivity level: Progressed

          Year of establishment: 2022

          System owner: Natswitch

          Overseer: Reserve Bank of Malawi

          Operator: Natswitch

          Total Participants: 54

          Volumes 2023: 11,652,498

          Values 2023: 931,490,669 USD

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        • Mauritius

          Mauritius

          Mauritius Central Automated Switch (MauCAS)

          Scheme name: Mauritius Central Automated Switch (MauCAS)

          IIPS Type: Cross-domain

          Instruments: Credit EFT, Debit EFT, E-money

          Channels: Browser, App, POS, QR

          Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Salaries & wages (B2P), Cross-border

          Inclusivity level: Progressed

          Year of establishment: 2019

          System owner: Bank of Mauritius

          Overseer: Bank of Mauritius

          Operator: Bank of Mauritius

          Total Participants: 14

          Volumes 2023: 6,630,914

          Values 2023: 532,280,041 USD

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          • MarocPay

            Morocco

            MarocPay

            Scheme name: MarocPay

            IIPS Type: Cross-domain

            Instruments: E-money

            Channels: App, POS, ATM, Branch, Agent

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Social disbursements (G2P), Inventory & business services (B2B)

            Inclusivity level: Basic

            Year of establishment: 2018

            System owner: Bank Al-Maghrib

            Overseer: Bank Al-Maghrib

            Operator: HPS Switch

            Total Participants: 23

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          • Virement Instantané

            Morocco

            Virement Instantané

            Scheme name: Virement Instantané

            IIPS Type: Bank

            Instruments: Credit EFT, Debit EFT

            Channels: Browser, App, Branch

            Use cases: Transfers & remittances (P2P), Inventory & business services (B2B), Salaries & wages (B2P)

            Inclusivity level: Not ranked

            Year of establishment: 2023

            System owner: Bank Al-Maghrib

            Overseer: Bank Al-Maghrib

            Operator: GSIMT

            Total Participants: 19

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        • Mozambique

          Mozambique

          Sociedade Interbancaria De Mocambique (SIMO)

          Scheme name: Sociedade Interbancaria De Mocambique (SIMO)

          IIPS Type: Cross-domain

          Instruments: Credit EFT, E-money, Card

          Channels: Browser, POS, QR, USSD, ATM, Branch, Agent

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

          Inclusivity level: Basic

          Year of establishment: 2021

          System owner: Bank of Mozambique and industry

          Overseer: Bank of Mozambique

          Operator: SIMO

          Total Participants: 19

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          • eNaira

            Nigeria

            eNaira

            Scheme name: eNaira

            IIPS Type: Sovereign currency

            Instruments: CBDC

            Channels: Browser, App, POS, QR, NFC, USSD, Branch, Agent

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Inventory & business services (B2B), Salaries & wages (B2P), Cross-border

            Inclusivity level: Basic

            Year of establishment: 2021

            System owner: Central Bank of Nigeria

            Overseer: Central Bank of Nigeria

            Operator: Cental Bank of Nigeria

            Total Participants: 41

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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

            Channels: Browser, App, POS, QR, NFC, USSD, ATM, Branch, Agent

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Social disbursements (G2P), Inventory & business services (B2B), Salaries & wages (B2P), Cross-border

            Inclusivity level: Progressed

            Year of establishment: 2011

            System owner: NIBSS

            Overseer: Central Bank of Nigeria

            Operator: NIBSS

            Total Participants: 315

            Volumes 2023: 9,669,335,889

            Values 2023: 449,072,284,461 USD

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          • Nigeria mobile money

            Nigeria

            Nigeria mobile money

            Scheme name: Nigeria mobile money

            IIPS Type: Mobile money

            Instruments: E-money

            Channels: USSD

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

            Inclusivity level: Basic

            Year of establishment: 2013

            System owner: NIBSS

            Overseer: Central Bank of Nigeria and Nigerian Communications Commission

            Operator: NIBSS

            Total Participants: 31

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        • Rwanda

          Rwanda

          eKash

          Scheme name: eKash

          IIPS Type: Cross-domain

          Instruments: Credit EFT, E-money

          Channels: Browser, App, USSD, Branch, Agent

          Use cases: Transfers & remittances (P2P)

          Inclusivity level: Not ranked

          Year of establishment: 2022

          System owner: RSwitch

          Overseer: National Bank of Rwanda

          Operator: RSwitch

          Total Participants: 13

          Volumes 2023: 6,005,553

          Values 2023: 16,868,590 USD

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          • PayShap

            South Africa

            PayShap

            Scheme name: PayShap

            IIPS Type: Bank

            Instruments: Credit EFT

            Channels: Browser, App, POS, NFC, USSD, ATM, Branch, Agent

            Use cases: Transfers & remittances (P2P)

            Inclusivity level: Not ranked

            Year of establishment: 2023

            System owner: BankservAfrica

            Overseer: South African Reserve Bank

            Operator: BankservAfrica

            Total Participants: 10

            Volumes 2023: 18,000,000

            Values 2023: 588,096,918 USD

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          • Real Time Clearing (RTC)

            South Africa

            Real Time Clearing (RTC)

            Scheme name: Real Time Clearing (RTC)

            IIPS Type: Bank

            Instruments: Credit EFT

            Channels: Browser, App, Branch

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Inventory & business services (B2B), Salaries & wages (B2P)

            Inclusivity level: Basic

            Year of establishment: 2006

            System owner: BankservAfrica

            Overseer: South African Reserve Bank

            Operator: BankservAfrica

            Total Participants: 17

            Volumes 2023: 309,304,447

            Values 2023: 91,008,465,929 USD

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          • Taifa Moja

            Tanzania

            Taifa Moja

            Scheme name: Taifa Moja

            IIPS Type: Mobile money

            Instruments: E-money

            Channels: Browser, App, QR, USSD, ATM, Agent

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Inventory & business services (B2B), Salaries & wages (B2P)

            Inclusivity level: Basic

            Year of establishment: 2016

            System owner: None (bilateral agreements)

            Overseer: Bank of Tanzania

            Operator: None (bilateral agreements)

            Total Participants: 6

            Volumes 2023: 5,061,198,600

            Values 2023: 59,980,446,882 USD

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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, E-money

            Channels: Browser, App, QR, USSD, Branch, Agent

            Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Inventory & business services (B2B), Salaries & wages (B2P)

            Inclusivity level: Progressed

            Year of establishment: 2021

            System owner: Bank of Tanzania

            Overseer: Bank of Tanzania

            Operator: Bank of Tanzania

            Total Participants: 46

            Volumes 2023: 267,474,830

            Values 2023: 5,526,147,640 USD

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        • Tunisia

          Tunisia

          Tunisia mobile money

          Scheme name: Tunisia mobile money

          IIPS Type: Mobile money

          Instruments: E-money

          Channels: Browser, App, POS, QR, NFC, ATM, Agent

          Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G)

          Inclusivity level: Not ranked

          Year of establishment: 2018

          System owner: SMT

          Overseer: Central Bank of Tunisia

          Operator: SMT

          Total Participants: 15

          Volumes 2023: 191,000

          Values 2023: 15,397,242 USD

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        • Uganda

          Uganda

          Uganda mobile money

          Scheme name: Uganda mobile money

          IIPS Type: Mobile money

          Instruments: E-money

          Channels: POS, USSD, Agent

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

          Inclusivity level: Basic

          Year of establishment: 2017

          System owner: None (bilateral agreements)

          Overseer: Bank of Uganda

          Operator: Pegasus/Bilateral agreements

          Total Participants: 14

          Volumes 2023: 6,360,000,000

          Values 2023: 60,396,953,004 USD

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        • Zambia

          Zambia

          National Financial Switch (NFS)

          Scheme name: National Financial Switch (NFS)

          IIPS Type: Cross-domain

          Instruments: E-money, Card

          Channels: Browser, App, POS, USSD, ATM, Branch, Agent

          Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Inventory & business services (B2B), Salaries & wages (B2P)

          Inclusivity level: Progressed

          Year of establishment: 2019

          System owner: ZECHL (member banks and Bank of Zambia)

          Overseer: Bank of Zambia

          Operator: ZECHL

          Total Participants: 30

          Volumes 2023: 99,102,490

          Values 2023: 2,830,236,060 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: Card

          Channels: Browser, App, POS, QR, NFC, USSD, ATM, Branch, Agent

          Use cases: Transfers & remittances (P2P), Merchant payments (P2B), Bill payments (P2B/P2G), Fees & taxes (P2G), Inventory & business services (B2B), Salaries & wages (B2P)

          Inclusivity level: Progressed

          Year of establishment: 2011

          System owner: Zimswitch

          Overseer: Reserve Bank of Zimbabwe

          Operator: Zimswitch

          Total Participants: 29

          Volumes 2023: 13,314,298

          Values 2023: 304,999,657 USD

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