- Supported Modes
- B2B, B2P, P2P, P2B
- Supported Currencies
- GHS
- Network Participant
- Partner
- FX Source
- Live Interbank based rates available 24x7, including off-market hours
- Channels
- All major banks in Ghana (list available)
- Cutoff & delivery timing
-
REALTIME, 24x7
- Mandatory data requirements
- Remitter Name Remitter Account Type Remitter Country Code Remitter City Remitter Address Remitter DOB Remiiter Identification Type Remitter Identification Value Rwmit Purpose Code Beneficiary Name Beneficiary Country Code Beneficiary Account Type Beneficiary Account Number Routing Code Type - SWIFT Routing Code Value
- Supporting Documents
- Remitter Beneficiary Relationship Nature of Business Duration of Contract Commercial Agreement Current Invoice
- Beneficiary Statement Narrative
-
- Visibility of Statement Narration is missing
- Notes
-
Remitter DOB is only required for P2P payouts, To check the supported banks, please use the API given on the link: https://docs.nium.com/apis/reference/searchroutingcodeusingbankname or get in touch with your respective AM.
| B2B | B2P | P2P | P2B | |
|---|---|---|---|---|
| Min | GHS 10 | GHS 10 | GHS 10 | GHS 10 |
| Max | GHS 50,000 | GHS 50,000 | GHS 50,000 | GHS 50,000 |
- Supported Modes
- B2P, P2P
- Supported Currencies
- GHS
- Network Participant
- Partner
- FX Source
- Live Interbank based rates available 24x7, including off-market hours
- Channels
- AIRTELTIGO, VODACOM, MTN
- Cutoff & delivery timing
-
Real Time, 24x7
- Mandatory data requirements
- Remitter Name Remitter Account Type Remitter Country Code Remitter City Remitter Address Remitter Identification Type Remitter Identification Value Remit Purpose Code Beneficiary Name Beneficiary Account Type Beneficiary Contact Number Routing Code Type - WALLET Routing Code Value - Wallet Name
- Supporting Documents
- Remitter Beneficiary Relationship Nature of Business Duration of Contract Commercial Agreement Current Invoice
- Beneficiary Statement Narrative
-
- Visibility of Statement Narration is missing
- Notes
-
Remitter DOB, Remitter City and Remitter Address is only required for P2P payouts.
| B2P | P2P | |
|---|---|---|
| Min | GHS 10 | GHS 10 |
| Max | GHS 10,000 | GHS 10,000 |
- Supported Modes
- B2B, B2P, P2P, P2B
- Supported Currencies
- USD, EUR, SGD, GBP, AUD, CAD, HKD, JPY, CHF, NZD
- Network Participant
- Bank
- FX Source
- Live Interbank based rates available 24x7, including off-market hours
- Channels
- All SWIFT enabled banks in the country
- Cutoff & delivery timing
-
Same-day processing subject to cutoff of 07:30 UTC
- Mandatory data requirements
- Remitter Name Remitter Account Type Remitter Identification Type Remitter Identification Number Remitter Address Remitter Country Code Remitter City Remitter Postcode Beneficiary Name Beneficiary Account Type Beneficiary Account Number Beneficiary Country Code Beneficiary Address (Recommended) Beneficiary City (Recommended) Beneficiary Postcode (Recommended) Routing Code Value 1 Routing Code Type 1 - SWIFT Code Remit Purpose Code
- Supporting Documents
- Remitter Beneficiary Relationship Nature of Business Duration of Contract Commercial Agreement Current Invoice
- Beneficiary Statement Narrative
-
- Ultimate Sender Name and narrative details will be passed as part of MT103 message to beneficiary bank.
- Details available on beneficiary statement will be dependent on beneficiary bank.
- Proof of Payment
-
MT103 can be considered as a proof of payment and can be provided on request
- Notes
-
WIRES can be sent to all countries except for OFAC listed. MT103 can be provided on request. For foreign currency wire currencies USD, EUR, GBP - NIUM supports both OUR and SHA fee type while for other currencies AUD, CAD, CHF, JPY, NZD, HKD, SGD - NIUM supports only SHA fee type Processing of payments to Crimea, Donetsk, Luhansk, Sevastopol regions of Ukraine is prohibited. This list is subject to change.
| B2B | B2P | P2P | P2B | |
|---|---|---|---|---|
| Min | 0 | 0 | 0 | 0 |
| Max | No limit | No limit | No limit | No limit |
- Supported Modes
- B2B, B2P, P2P, P2B
- Supported Currencies
- GHS
- Network Participant
- VISA
- FX Source
- Live Interbank based rates from NIUM are available 24x7, including off-market hours
- Cutoff & delivery timing
-
1. 24x7 Availability
2. Real-time for Fast fund Enabled (Details on fast-fund enabled countries available on request)
3. T+2 for other countries
- Mandatory data requirements
- Remitter Name Remitter Identification Type Remitter Identification Number Remitter Country Code Beneficiary Card Number Beneficiary Name Beneficiary Country Code
- Notes
-
For more information, please contact your NIUM account manager team. Additional information and approval from VISA is required before this payout method can be made available. Origination of funds is allowed only from a set of countries as mentioned in the table below. In case the transaction currency does not match the destination card issuer currency, amount will be converted and credited in currency of the card issuer. In few countries, only few banks may allow the transactions. Below additional daily/monthly/yearly limits applicable for P2P transactions whichever reached first Per Day - 30 transactions or USD 10,000 per Beneficiary card Per Week - 50 transactions or USD 25,000 per Beneficiary card Per Month - 150 transactions or USD 50,000 per Beneficiary card. Below additional daily/monthly/yearly limits applicable for B2P/B2B transactions whichever reached first Per Day - 30 transactions or USD 50,000 per Beneficiary card Per Week - 50 transactions or USD 100,000 per Beneficiary card Per Month - 150 transactions or USD 200,000 per Beneficiary card.
| B2B | B2P | P2P | P2B | |
|---|---|---|---|---|
| Min | 0 | 0 | 0 | 0 |
| Max | USD 50,000 | USD 50,000 | USD 2,500 | USD 50,000 |