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GTBank Automated Payment System (GAPS) is a secure web-based service that facilitates the processing of vendor, supplier or payroll payments in batches or single payments, using secured (https) connections over the Internet. It also gives you 24/7 online, real-time access to your account.


  • Role based system – each user is given a role with specific functions e.g. Uploader, Reviewer, Approver etc
  • Multi-user solution – supports multiple users for each role
  • Two-Phase Login – every user logs in with an access code in addition to a unique username and password
  • Two factor token authentication – approvers are issued hardware token devices which generates a dynamic password to authenticate log-in.
  • Multi-level transaction authorization – No single user can commence and conclude a transaction except otherwise stated on the account mandate
  • Integrates seamlessly to alternative payment channels EFT and RTGS
  • Full audit ability
  • Comprehensive reports – ability to generate payment reports, approval reports etc.
  • Customizable – the system can be customised to meet specific corporate requirements


  • Elimination of cheque-books
  • Efficient and secure channel for making payments and collections
  • Ability to initiate and monitor payments from any location in the world (in local and foreign currency)
  • Ease of fulfilling your obligations in a timely fashion
  • Online real-time access to your account
  • Configuration flexibility to align with your payment process flow

Financial Features

  • Local Payments – Single & batch payments to any GTBank account as well as other banks 
    – Payroll Payments e.g. salaries, bonuses 
    – Vendor Payments etc.
  • International Payments – Single & batch FX transfers to any account (local & offshore)
  • Accounts:
    – Own account Transfer
    – Single & Bulk Cheque confirmation 

    – Generate Account Statement
    – Online real time account monitoring
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