---
title: "Speso: Mobile Payments App in Ghana & Nigeria"
description: "Send money in Ghana & Nigeria, pay bills and airtime, accept QR payments, and shop online with virtual Visa cards (Apple, Amazon, Netflix)."
canonical_url: "https://liners.com/speso"
markdown_url: "https://liners.com/speso.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/speso/screenshot.webp?v=1772004386736"
published_at: "2026-02-28T08:18:21.390Z"
updated_at: "2026-08-31T05:10:43.705Z"
---

# Speso: Mobile Payments App in Ghana & Nigeria

Send money in Ghana & Nigeria, pay bills and airtime, accept QR payments, and shop online with virtual Visa cards (Apple, Amazon, Netflix).

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Speso](/speso)

## Summary

Send money, pay bills, and shop online from one app

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://speso.co/ |
| Tagline | Send money, pay bills, and shop online from one app |
| Primary country | Ghana |
| Platforms | Android, iOS, API, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/speso/alternatives)
- [Reviews](/speso/reviews)
- [Transparency](/speso/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/speso)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)