RSwitch

RSwitch (Rwanda National Switch) is Rwanda’s national payment switch infrastructure, operated under the oversight of the National Bank of Rwanda (BNR). It connects banks, microfinance institutions, mobile money operators, and payment service providers into a single interoperable network, enabling seamless financial transactions across the country.

RSwitch is not a lender or consumer-facing financial app. Instead, it is a backend payment infrastructure that ensures interoperability between different financial systems—allowing users to send money between banks and mobile wallets, use ATMs across networks, and make digital payments efficiently.

SERVICES

• Interoperable Payments: Enables seamless transfers between banks, mobile money platforms, and financial institutions.
• ATM Switching Services: Allows customers to use ATMs across different banks through a shared national network.
• Card Processing Services: Supports debit and payment card transactions across multiple institutions.
• Mobile Money Interoperability: Facilitates transfers between mobile money operators (e.g., MTN MoMo and Airtel Money).
• Electronic Funds Transfer (EFT): Real-time and batch transfers between financial institutions.
• Merchant Payment Switching: Supports POS and digital merchant payments across banks and payment providers.
• Clearing & Settlement Services: Ensures secure and efficient settlement of transactions between participating institutions.
• Payment Gateway Infrastructure: Provides backend systems for digital payment processing and integrations.
• Financial System Integration: Connects banks, fintechs, and payment providers into a unified ecosystem.

Countries