A Ghana-based payments platform for businesses and consumers to accept card and mobile money payments, send money, pay bills, and buy airtime via web and mobile apps.

expressPay Product Overview

Is expressPay Right for You?

Liners prepares and updates these highlights as product information changes. Editorial standards

Best For

  • Ghanaian online stores
  • Retail shops

What It Does Well

  • Card and momo payments
  • Payment links and checkout

Things to Check

  • Mobile networks supported
  • Settlement timing

About expressPay

Screenshot of expressPay website

expressPay is a Ghana-based payments platform for businesses, merchants, and consumers who need to collect payments, send money, and pay for everyday services.

Key capabilities include:

  • Card and mobile money acceptance for goods and services, with 3rd-party API integration for businesses to embed payments in websites and apps
  • Scan to Pay (QR codes), including merchant QR decals that customers can scan to make contactless payments
  • Bill payments, enabling businesses to generate bills for customers, with support for use cases across banks and utility service providers
  • Business payout tools, including bulk payments (upload a formatted file and process multiple payouts) and USSD payments for customers on any mobile network

Available on Web, Android, and iOS, with developer tools and APIs for integrations.

Target users include Ghanaian merchants and businesses that need payment acceptance, POS, and payouts, plus consumers who want to send money to friends, family, and bank accounts, and buy airtime and internet bundles.

In the Ghana market, expressPay highlights PCI certification on its website, and Devex describes it as an official Visa Payment Technology Provider and a Visa eCommerce processor in Ghana.

expressPay Facts

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Operates In
Social Links
Pricing & Fees
Variable pricingTransfer fee capped at GHS 10 when you send money using select Visa cards on expressPay; “no matter the amount”.

As of Oct 5, 2026, expressPay is rated 4.0 on the App Store from 116 reviews and 4.4 on Google Play from 3.5K reviews with 500K+ installs.

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Frequently Asked Questions About expressPay

expressPay is a Ghana-based digital payments platform that lets you accept and make payments using cards and mobile money, send money to bank accounts and mobile wallets, pay bills, and buy airtime and data. You can use it via the web, mobile apps, POS devices, USSD, or APIs, so both consumers and businesses can process and receive payments online and in person.

expressPay operates in Ghana, focusing on payments for Ghanaian banks, utility providers, merchants, and consumers.

You can sign up by going to the expressPay website and creating an account or by downloading the expressPay mobile app on Android or iOS and registering with your details there. Businesses that want to integrate payments typically sign up through the merchant or developer sections of the site and follow the onboarding steps provided.

Yes, expressPay is available on iOS and Android. You can download Expresspaygh on the App Store for iPhone, or get it on Google Play for Android.

expressPay is best suited for Ghanaian consumers who want to send money, pay bills, and buy airtime or data, and for Ghana-based merchants and businesses that need to accept card and mobile money payments or automate payouts. It is also a fit for developers and companies that want to embed payment capabilities into their own websites or apps.

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