Page 179 - ACCESS ANNUAL REPORT 2019

ROD S & SER ES
redit ard
A card which enables you to spend money via an approved line of credit, which is set on the card.
• Available in Cedi and Dollar currencies
• Can be used on multi-channels – ATM, POS, WEB
etc.
• Gives 24/7 access to cash and payment for
purchases across all merchant categories
• 40 days interest free period
repaid ard
This is a reloadable payment card that can be used for transactions across multiple channels: ATM, Point of Sale (POS) terminals, Internet etc.
• It is issued on the VISA platform
• Prepaid cards can be used in all currencies across
the globe
A ESS ARD
This is a local proprietary card (Gh-link) which is connected to your Access Bank account.
• Allows for transactions at all Gh-Link enabled ATMs and POSs
• Available in two variants: Classic & Gold
E ARDS
A Universal Electronic Payment System managed by Ghana Interbank Payment & Settlement Systems Limited (GhIPSS) used to perform enrolments and card transactions.
• Bill payments from any E-zwich Point of Sale (POS) or ATM across the country
A ESS A
A web-based management platform used by corporate entities for bulk payments.
• Has a two-factor security feature which requires the use of a token to authorise payments
• Supports both one-time bulk and recurrent payments to multiple accounts within the Bank and to third party banks.
One off and Recurrent payments within Access Bank and 3rd party banks
• Multilevel and Role based approval wor ow
• Detailed payment and audit report
• Allows upload of supporting payment documents
• Viewing of multiple bank balances
• Viewing and printing of statements • Customised narration and SMS alert
RA SF O
A collections platform suitable for businesses and institutions that do not have much presence or locations across the country.
• Used for Payment of School Fees, Utilities, Tithing and Donations, Pay TV and Pensions
Serves as a icrofinance extension usin Access Bank’s network.
O OF SA E OS
The Point of Sale (POS) device is a transactional device for retail businesses including restaurants, shops, mall centres among others.
It has the following features:
• Multichannel Communication Functionality (Chip, Ethernet, etc.)
• Multi-currency settlement option
• Fast memory
• Euro Master Visa (EMV) Card compliant
• Realtime settlement
• 24/7/365 availability with an uninterrupted backup
power source
• VISA enabled (thereby, allowing for transactions on
the VISA platform worldwide)
• Acceptance range: Gh-link, Visa, Mastercard,
American Express, Discovery and Verve
OA SER ES
E E F A E
A loan product that finances the purchase o rand new cars for salaried workers within the Bank’s value-chain.
• Minimum deposit of 20% of car value required
• Up to 60 months to repay plus interest
ERSO A OA
It is a loan product that allows customers to access amounts up to GHS 200,000.
• Available for salaried workers within the Bank’s value-chain
• Up to 48 months to repay full amount plus interest
178
Annual Report
growth thro gh innovation
driving s stainab e