Instant Payments Namibia (IPN) operates Namibia's national instant payment system. It allows people and businesses to send and receive money instantly using their existing bank accounts or mobile wallets.

You do not need to sign up with IPN directly. You continue using your bank or mobile money provider as you do today.

No. You use your existing banking app, mobile money app, or the central USSD short code to access the IPS services provided by your bank or mobile money provider.

IPN works in the background by connecting these providers so they can send money to one another instantly.

Payments are processed in real time. This means the recipient receives the money within seconds, not hours or days.

Instant payments work 24 hours a day, 7 days a week, including weekends and public holidays.

Yes. That is one of the main benefits of the system.

You can send instant money to another person or business even if they use a different bank or mobile wallet, as long as both providers participate in the instant payment system.

Instant payments are designed for everyone, including:

• Individuals sending money to family or friends
• Small and informal businesses accepting payments
• Formal businesses paying suppliers or staff
• Government institutions making payments to citizens

As long as your bank or mobile money provider is connected to the system, you can use instant payments.

No. Instant payments are available through both smartphone apps and USSD on basic mobile phones, depending on what your provider offers.

This ensures that people without smartphones can still use the service.

Instant payments are designed to be affordable, especially for everyday transactions.

IPN does not charge users directly. Any fees you pay are set by your bank or mobile money provider and must follow regulatory guidelines.

Many instant payments, especially person to person payments, are expected to be low cost or free, depending on your provider.

You should always check your provider's pricing for clarity.

Yes. Digital payments reduce the risks associated with carrying or storing cash.

Instant payments include security measures such as:

• Secure login and authentication through your provider
• Real time transaction monitoring
• Immediate confirmation when a payment is successful
• Every payment made through IPS requires the customer to enter their PIN

If you lose your phone, your money is still protected by your provider's security controls.

Instant payments are processed immediately, so you should always double check the recipient before confirming a transaction.

If you make a mistake, you should contact your bank or mobile money provider as soon as possible. They will guide you through the next steps based on the rules of the system.

Instant payments are generally final once completed.

This is why confirmation steps are built into the payment process. Always check the name or details shown before approving a payment.

If there is fraud or an error, your provider will handle the matter according to established dispute and consumer protection rules.

Yes. Instant payments are an option, not a requirement.

The system also supports cash in and cash out through participating merchants, allowing you to move between cash and digital money when needed.

Yes. Businesses can accept instant payments directly into their bank accounts or mobile wallets.

This reduces the need for cash handling and can lower payment costs compared to traditional card or cash based methods.

Small and informal businesses can also participate, not just large retailers.

No. The system is designed to work across Namibia, including rural areas.

By supporting USSD and merchant based cash services, instant payments can be used even where access to traditional banking infrastructure is limited.

No. IPN does not hold customer funds.

Your money remains with your bank or mobile money provider, just as it does today. IPN only operates the infrastructure that moves the payment between providers.

Your bank or mobile money provider will inform you when instant payments are available on their platform.

You can also contact your provider directly for confirmation.

If you experience any issues, contact your bank or mobile money provider first.

They are responsible for customer support, account management, and resolving issues related to your transactions.

Instant payments help make everyday transactions faster, safer, and more affordable.

They support financial inclusion, reduce reliance on cash, improve convenience for users, and strengthen Namibia's digital economy.