1. Contacts us:
+233 30 2772690
+234 708 169 0576
+233 26 4318936
www.clydestone.com
www.gswitchworld.com
innovate . develop .suppor t
w w w . c l y d e s t o n e . c o m

2. ABOUT
FINANCIAL DOCUMENTS PROCESSING
Clydestone is an indigenous Ghanaian company, and first in
the IT industry to be listed on the Ghana Stock Exchange Clydestone installed the first interbank automated Clearing System for the Central Bank in 1996. This was in
(GSE). Currently the leading provider of payment systems operation for 13 years until it migrated to the current truncation regime. Under truncation, Clydestone is still market
with tailored payment platforms for the information leader and supports 12 banks with 43% market share.
technology market.
Clydestone Cheque Truncation and Automated Clearing House (ACH) solution clients include: GTBank, Zenith Bank,
Clydestone was established in June 1989 as a private UBA, Access Bank, CAL Bank, Fidelity Bank, National Investment Bank and UniBank.
company limited. It is one of Ghana's premier information
technology solution companies that develop cutting edge
solutions in the areas of financial document processing,
corporate networking, remittance processing and
transaction switching.
COMPANY POLICIES
Quality comes first
In all aspect of work
Commitments matter
Having made a commitment, we do everything in our
power to honour it
Openness and honesty
Client satisfaction is paramount
Our goal is to have long-term relationships
Continuous advancement of products
Customers benefit from improved developments and technology
Open to the enterprise

3. FINANCIAL DOCUMENTS PROCESSING GLOBAL SWITCH G-switch
Comprehensive ClydeAiDPS application suite
Payment processing applications
- Cheque and remittance processing
- Image-based and conventional PAYMENT
- Integration with third party ICR/CAR components HUBS
- Electronic cleaning and truncation
- Sorting
- Teller application
VALUE-ADDED FRAUD SETTLEMENT & CARD AND ONLINE TRADE
FUNCTIONS MANAGEMENT RECONCILIATION TOKEN MGT BANKING FINANCE
Image archive & research
- Local /web-base enquiry
CORE
Image-based signature verification FUNCTIONS TRANSACTION AUTHENTICATION SWITCHING AUTHORIZATION PAYMENT
ACQUIRING
Image statements
- Paper/CD delivery/web access INFRASTRUCTURE
FUNCTIONS MIDDLEWARE, CONNECTIVITY, SECURITY, DATA SYNCHRONIZATION, TESTING AND SIMULATION, ETC
Image export to external systems
- e.g. office imaging products
Image-based positive pay
G-Switch, established by Clydestone, is an Electronic Payment Platform providing Transaction Switching, Third
- Anti-fraud application
Party Processing and EFT hosting services to Banks, Independent Service organizations (ISO's) and Micro Finance
Institutions (MFI's). G-switch operates a secure, real-time, regulatory compliant processing platform located in
Accra – Ghana that utilizes state-of the-art technology. G-switch operates a local interbank switch under its brand
name – G-switch. Settlement of all G-switch local transactions is through the Ghana Interbank Payment and
Settlement Systems Company (GhIPSS).
G-Switch is certified with China Union Pay (CUP), the Chinese Bankcard Association and is a Global Acquiring
Partner for CUP. We are also certified with Verve Nigeria for the acquiring of Verve transactions by G-switch
member banks in Ghana and also Kenswitch Kenya, to provide CUP acquiring for their member banks.

4. GLOBAL SWITCH G-switch CARD ISSUING, PROCESSING AND MANAGEMENT
SERVICES G-Switch offers card issuing, processing and management to several financial institutions and private label card
issuers. We provide our customers' access to our Card Management System through a Web based portal to allow
G-Switch offers the following services:
them to interface with our Central Issuing System. We also provide in-house card issuing and management
capability to customer that prefer to manage their issuing and Card production, but connect to us for card hosting
Card Issuing, Processing and Management and authorization services.
Card Procurement and Personalization
Card Hosting and Authorization G-Switch processes all cards issued and hosted on behalf of our hosted institutions. We also process all cards for
ATM Acquiring members of the G-Switch Network, Private Label Cards and cards supported by China Union Pay.
POS Acquiring
Interbank Switching and Settlement CARD PROCUREMENT AND PERSONALIZATION
China Union Pay Global Partner
Micro Finance Services on Demand G-Switch provides card procurement and personalization
Universal eCommerce Merchant Platform services. Card design and manufacture is coordinated
with preferred local and International certified card
3D Secure Authentication for (Verified by Visa, MasterCard Secure Code, American Express
suppliers. G-Switch also assist clients that prefer to
SafeKey and JCB J/Secure and other Alternative Payment Brands.
personalize cards internally, by providing assistance with
card equipment acquisition, installation, interfacing and
Our services are tailored to offer our customers a unique one stop solution for all their card support. Our in house personalization bureau offers card
programme’s and transaction processing needs. Our 24/7 call centre ensures that we provide personalization as well as PIN Mailer services.
the best support at all times to our valued clients.

5. CARD ISSUING, PROCESSING AND MANAGEMENT CHINA UNION PAY GLOBAL PARTNER
CARD HOSTING AND AUTHORIZATION China Union Pay (CUP) is the only Bankcard association in China. It
is a shareholding financial service institution invested by over 80
domestic financial institutions with the approval of the State
G-Switch hosts and authorizes card transactions for all its hosted and connected institutions. G-Switch provides the
Council and the People's Bank of China. Established in March
services and configurations associated with the physical production of plastic cards, including anonymous
2002 and headquartered in Shanghai, CUP has a registered capital
temporary cards as well as embossed individualised, permanent cards.
of RMB 1.65 billion and employs over 3000 people. Clydestone –
G-Switch signed a global partnership agreement with CUP in 2009
ATM ACQUIRING to expand the acceptance of CUP cards globally, particularly in
Africa. Connectivity to CUP by G-Switch is through their
international front-end processing system in Hong Kong. G-
G-Switch offers ATM driving, management, and monitoring solutions for a wide variety of terminals. G-Switch ATM
Switch has completed and certified to CUP and has connected to
processing, supports directly driven ATMs, as well as advanced-functions ATMs. G-Switch supports most
local Banks in Ghana.
international ATM Brands.
Clydestone can also engage banks interested in issuing Union Pay
PoS ACQUIRING
cards.
G-Switch PoS processing offers EMV compliant
VERVE NIGERIA ACQUIRING PARTNER
PoS devices which are configured to support
most international card brands. G-Switch can
also drive PoS devices for member institutions Verve Nigeria is a Bankcard Association licensed by the Central
on the G-Switch network. Bank of Nigeria (CBN) and processing its transactions through
Interswitch's super switch. G-Switch signed an agreement with
Verve Nigeria in 2012 to enable Verve cardholders to use their
cards in Ghana on G-Switch members connected devices.

6. G-SECURE AUTHENTICATION PLATFORM FOR ISSUERS, G-SECURE AUTHENTICATION PLATFORM FOR ISSUERS,
ACQUIRERS, MERCHANTS AND MOBILE WALLET ACQUIRERS, MERCHANTS AND MOBILE WALLET
Clydestone has partnered with Cardinal Commerce Corporation the global G-secure connects Internet Merchants to a secure Hosted Checkout
leader in enabling authenticated payments, secure transactions and page at the point of purchase to enable all the functions and features that
alternative payment brands for both eCommerce and mobile commerce, to are traditionally available on a Payment Gateway. It enables merchants to
offer the G-secure Authentication Platform. accept a variety of online payment brands:
The G-secure Authentication Platform was designed to support the card
G-secure * Visa
association's 3D-Secure authentication programmes: Verified by Visa and * MasterCard
MasterCard SecureCode. The Platform also supports JB/Secure and will * American Express
include the American Express SafeKey 3D-Secure payment and the * Diners
Discover/Diners 3D-Secure brand by 2012. By selecting the G-secure * JCB
Authentication Platform, a bank can, in a short period of time, provide the * China Union Pay (CUP)
3D-Secure programmes to its customers.
The Platform can support most payment brands provided by a processor;
The Platform service is available for credit, debit, prepaid/stored value, and so G-secure can enable the brands available to the bank's Merchant
eligible commercial cards. G-secure is built to support customized screens Customers today. Authorization, Authentication, Settlement and
that a bank's customers see, making it easy to adapt the programme properly for the differed card type and/or regions. The Reporting can all be enabled for Clydestone's Bank Clients and their
Platform is also designed to apply the correct level of authentication for different card programmes and region, based on Merchant Customers.
multiple factors. G-secure is intended to provide a highly customized Platform that will 'look and feel like a bank's own website.
The proper presentation of the service to a bank's customer makes a significant difference in how they will adopt and then use
this new service. Strong adoption by the bank's customers is step 1 in effective fraud prevention. Our ability to uniquely
customize each Platform for each bank is the key to making this a successful service for a bank’s clients and their customers.
The Platform includes a “Cardholder Self-Service Module”. Once a cardholder has registered his or her card for Verified by Visa
or MasterCard Secure Code, he or she can log in and update their own credentials or Personal Message. Often customers
prefer the self-service option (versus contacting the Call Centre) to manage their own credentials once they have signed up for
Verified by Visa or Mastercard SecureCode.
G-secure enables a bank to quickly launch a full scale eCommerce solution for their Merchant Customers who would like to sell
their goods and services over the Internet.

7. G-SECURE MOBILE BANKING G-SECURE MOBILE BANKING
SERVICE DELIVERY: SMS AND APPLICATION
The mobile service can be provided to the end customer using either SMS or an application that is downloaded to the
customer's phone. Some customers will have phones that only support simple SMS messaging; other customers will have
phones that support data services, but still may prefer a mix of SMS and/or application options for their mobile service.
G-sec
ure
THE G-SECURE MOBILE WALLET
The G-secure Mobile Wallet (the Wallet) is designed to support secure transactions for payment brands and cards,
processors, banks, merchants and their customers, leveraging the convenience of the mobile channel. The Wallet is built
on reliable, eCommerce transaction processing philosophy that can be rendered to operate on any smartphone that is
capable of downloading and launching an application.
The G-Secure Wallet and Cardinal MAX Data Vault:
When a bank customer signs for the Mobile Wallet, the information provided, as defined by a bank, will be stored in the
MAX data vault. This information can include a funding source(s), billing/shipping address, username/password, mobile
The G-secure Platform enables a variety of mobile services, broadly grouped into three categories: number and an email address. Whenever a customer uses his mobile wallet to make purchases he will only need to
authenticate using a password, and choose his funding source stored in the Data Vault. The customer will not need to re-
1) Mobile Banking
enter credit card information or a billing/shipping address. The Data Vault receives, translates and assembles the
2) Mobile Bill presentment and Payment information, to produce communication in the appropriate format, whether it is intended for bank to request information, or
3) Mobile Merchandising and Mobile Commerce for the customer's mobile phone to provide information. No information collected by the Data Vault is shared or viewable by
the merchant, and MAX communications performed in the background are transparent to the customer.
Leveraging the G-secure Mobile App functions and features built into our Mobile Banking App, customers could add
different options to its Wallet such as store locator service, special offers, mobile coupons and vouchers, the ability to check
card balances and other customer value-added services.

8. PAYPOINT BILL COLLECTION SERVICES
Clydestone's subsidiary Remittance Processing (Ghana) Limited offers the Paypoint bill payment service in Ghana.
Under its agreement with Multichoice Ghana, Paypoint appoints banks to collect DSTv subscriptions .
The following Banks offer the service:
1. Access Bank
2. Fidelity Bank
3. Unibank
4. HFC Bank
5. Agricultural Development Bank
6. Merchant Bank