Reference Guide for Inclusive Instant Payment Scheme Rules

A comprehensive framework for developing scheme rules, offering legal, operational, and governance foundations to build secure and accessible IPS across Africa.

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Glossary of Terms

Frequently Asked Questions

Overview

Executive Summary 1. Introduction 2. Guiding Approach 3. Legal Framework 4. Participation Agreements 5. Core Components of Scheme Rules 6. Pricing Policy 7. Education & Awareness 8. Conclusion and Path Forward

Annexes

Annex 1: Glossary Annex 2: Global Benchmarking Annex 3: Key Performance Metrics Annex 4: Financial Inclusion Metrics Annex 5: Key Components of Scheme Rules Annex 6: Participant Compliance Reporting Annex 7: Examples of Existing IPS

Frequently Asked Questions

Common questions about the Scheme Rules, grouped by topic. Click a question to expand its answer.

Frequently Asked Questions

Purpose & Foundations of the Scheme Rules

Governance & Oversight

Participation & Access

Risk, Settlement & Resilience

Consumer Protection & Disputes

6. Pricing, Funding & Commercials

Technical Standards & Interoperability

Implementation, Adoption & Change