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Payments

How do I pay for an IPMCkart purchase?

IPMCkart offers you multiple payment methods. Whatever your online mode of payment, you can be rest assured that IPMCkart's trusted payment gatewaypartners use secure encryption technology to keep your transaction details confidential at all times. You may use Master or VISA card, Cash on Delivery (C-o-D), InterpayiWalletand Mobile money to make your purchase.

 

Are there any hidden charges (Sales Tax) when I make a purchase on IPMCkart?

There are NO hidden charges when you make a purchase on IPMCkart. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay. Delivery charges may be extra depending on the IPMCkart Shipping policy.

 

What is InterpayiWallet?

Interpay is a payment platform that provides multiple payment methods for online processing of transactions.

 

What is Cash on Delivery (C0D)? 

If you are not comfortable making an online payment on IPMCkart, you can opt for the Cash on Delivery (CoD) payment method instead. With CoD you can pay in cash at the time of actual delivery of the product at your doorstep, without requiring you to make any advance payment online. The maximum order value for a Cash on Delivery (CoD) payment isGH₵ 5,000. It is strictly a cash-only payment method. Foreign currency cannot be used to make a CoD payment. Only GhanaianCediis accepted.

 

How do I pay using a credit/debit card?

IPMCkart accept payments made usingVisa, MasterCard credit/debit cardsissued in Ghana.

Credit cards:

To pay using your credit card at checkout, you will need your card number, expiry date, three-digit CVV number (found on the backside of your card). After entering these details, you will be redirected to the bank's page for entering the online 3D secure password.

Debit cards:

To pay using your debit card at checkout, you will need your card number, expiry date, three-digit CVV number. You will then be redirected to your bank's secure page for entering your online password (issued by your bank) to complete the payment. Internationally issued credit/debit cards cannot be used for payments.

 

Is it safe to use my credit/debit card on IPMCkart?

Your online transaction on IPMCkart is secure with the highest levels of transaction security currently available on the Internet.All credit card and debit card payments on IPMCkart are processed through secure and trusted payment gateways managed by leading banks.

 

What steps does IPMCkart take to prevent card fraud?

IPMCkart realizes the importance of a strong fraud detection and resolution capability. We and our online payments partners monitor transactions continuously for suspicious activity and flag potentially fraudulent transactions for manual verification by our team. In the rarest of rare cases, when our team is unable to rule out the possibility of fraud categorically, the transaction is kept on hold, and the customer is requested to provide identity documents. The ID documents help us ensure that the purchases were indeed made by a genuine card holder. We apologize for any inconvenience that may be caused to customers and request them to bear with us in the larger interest of ensuring a safe and secure environment for online transactions.

 

Can I make a credit/debit card payment on IPMCkart through my mobile?

Yes, you can make credit card payments through the IPMCkart mobile site and application.

 

How do I place a Cash on Delivery (CoD) order?

All items that have the "Cash on Delivery Available" icon are valid for order by Cash on Delivery. Add the item(s) to your cart and proceed to checkout. When prompted to choose a payment option, select "Pay by Cash on Delivery". Enter the CAPTCHA text as shown, for validation. Once verified and confirmed, your order will be processed for shipment in the time specified, from the date of confirmation. You will be required to make a cash-only payment to our courier partner at the time of delivery of your order to complete the payment.

Terms & Conditions:

  • The maximum order value for CoD is GH₵5,000
  • Cash-only payment at the time of delivery.

 

 

GTCollect

GTCollect payment

GTBank Alternative Collections Platform (GTCollect)

  • Direct  Payment & Collection Platform   over the counter  in GTBank outlets for  IPMC.

  •  24/7 Online Report Access

 

GTCollect Platform

  • Customizable platform for physical collections/ payments through the Bank’s outlets nationwide for customers who are unable to make payments online using VISA/MasterCards

  • Including Implant Tellers within premises.

  • Enabling IPMC focus on their core-business.

  • Ability to Set Parameters (e.g. Rates, types of payment etc.)

  • Ability to validate and update data remotely. (option for non-validation)

  • Mode of Collections: Cash, Cheques, Account-to-Account Transfer, Draft etc.

  • Seamless Integration into Internet Banking and GTPay for online payments.

  • In-house developed with technical capacity to manage.

  • Back-end Transaction Reporting Portal for real-time notification of successful transfers.

  • Ability to Integrate with 3rd Party Accounting Systems.

gtCollect flowchart

 

GTCollect Platform - Security Features

Secure (https://)

  • Secure web platform for report viewing and generation.

User Activity Log / Admin

  • Active user activity logs
  • Registration of users (staff) done by a system administrator.

Bespoke Report

  • Customised report features capturing unique payment categories i.e. Tuition; Dues.

Real-Time Tracking

  • Ability to track payments, payment mode i.e. cash; cheque and the payment status i.e. Full or Part payment real-time.

Report Download

  • Ability to download reports securely in Excel or PDF formats.

Fee Payment Tracking

  • Ability to track applicant’s fee payment per program.
  • Ability to track Applicant’s payment profile.

 

GTCollect - Key Benefits

  • Reduced turnaround time
  • Automatic Account Reconciliation
  • Very Low Error Rate
  • Payment outlets at all GTBank branches
  • Can be seamlessly integrated with AIPay or TUPay and Internet Banking platforms.
  • Ability to integrate with IPMC’s Accounting Systems.
  • Ability to set Parameters (e.g. Rates)
  • Cost effective and efficient processes
  • Real-Time Information Transmission