Speso

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:

• Send money to friends and family quickly, including transfers to people who use different banks, with a messaging-style experience
• Accept and make QR code payments for in-person business transactions
• Virtual Visa cards for global online shopping (including services like Apple, Amazon, and Netflix)
• Bill payments and airtime top-ups, plus options such as split payments with friends and bank transfers to local banks in Nigeria

Available on Android and iOS.

Target users include consumers managing personal transfers and bills, businesses collecting payments via QR codes, and developers building on Speso’s 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.