Mastering the Lifecycle of Cards Payments and Transaction Processing

Mastering the Lifecycle of Cards Payments and Transaction Processing

Rationale

The Ghanaian card payment landscape has evolved significantly with the coexistence of international schemes (Mastercard, Visa, Union Pay and Amex) and domestic systems (GH-Link, E-Zwich). For banks and financial institutions, understanding the complete transaction lifecycle across these different networks is critical for optimizing revenue, managing operational risks, reducing disputes, and delivering seamless customer experiences.

This programme addresses the technical and operational knowledge gap in card transaction processing, focusing specifically on the Ghanaian context to enhance efficiency and competitiveness in the local market.

Learning Objectives

• Analyse the end-to-end flow of card transactions across international and domestic schemes.
• Differentiate between transaction processing models for Mastercard, Visa, UnionPay, Amex and GH-Link
• Identify revenue streams and cost components in card transaction processing for international cards and domestic cards
• Apply dispute resolution procedures and chargeback management effectively.

Course Contents

• Module 1: Introduction to Card Payment Ecosystem: Overview of global and local card schemes, types of transactions
• Module 2:  Common Standards and Regulations of Card Schemes
• Module 3: Card Transaction Lifecycle - Technical end to end cycle of Authorization and authentication process
• Module 4: Visa, UnionPay, Amex and Mastercard Systems: Overview of VisaNet and Mastercard Network
• Module 5: Gh-Link/Domestic Processing Framework: Overview of GhIPSS and Gh-Link operations/Ezwich Interoperability with international schemes
• Module 6: Risk Management and Compliance: Dispute handling and chargeback procedures
• Module 7: Operational Best Practices: Monitoring transaction performance and error handling
•  Module 8: Identifying cost elements and optimizing Card Income.

Learning Outcome

• Gain comprehensive knowledge of card transaction processing.
• Improve operational accuracy and efficiency in handling card operations.  Strengthen compliance and risk control measures.
• Enhance inter-departmental coordination in electronic payment processing. 
• Improve knowledge of paths to profitability of cards business

Duration: 2 days

Skill Level: Foundation - Intermediate

Delivery Mode: In-person

Month: April