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A mobile payments app for individuals, businesses, and developers in Ghana and Nigeria to send money, accept QR payments, pay bills, and use virtual Visa cards.

Speso is a mobile payments app for individuals, businesses, and developers who need everyday money transfers, merchant payments, and additional financial services in Ghana and Nigeria.
Key capabilities include:
Available on Android and iOS.
Target users include consumers managing personal transfers and bills, businesses collecting payments via QR codes, and developers building on Spesoβs mobile or business platform.
Notable in the African market for combining payments and social features (chat, calls, stories, add contacts by tag or scan) with KYC and compliance processes, including identity checks such as Ghana Card verification. The service operates through partnerships with licensed transmitters in relevant jurisdictions.
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