What is XpressPay and how does it work?

XpressPay is a secure, all-in-one digital payment solution that enables fast, simple, and reliable transactions through cards, transfers, USSD, QR codes, and the Xpress Wallet. It also supports multi-currency transactions, helping businesses expand globally.

How much does XpressPay cost?

XpressPay offers simple pricing with no setup or maintenance fees and charges some of the lowest transaction fees in the industry. You only pay when you get paid, with no hidden charges.

What countries does XpressPay operate in?

Nigeria primarily, with plans to expand across Africa.

Does XpressPay have a mobile app?

Yes, XpressPay is available on Android and iOS.

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XpressPay : Reviews & Alternatives (2026) – Liners

XpressPay

🇳🇬 Nigeria

A payment gateway for businesses to collect customer payments via Visa, Mastercard, Verve, bank accounts, and bank transfers through web checkout and APIs.

Available on:WebAPI

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XpressPay is a payment gateway for businesses that need to collect electronic payments from customers using cards and bank-based methods.

Key capabilities include:

Card payments that support Visa, Mastercard, and Verve for online customer checkout
Bank payments via bank accounts and bank transfers, giving customers alternatives to cards
Simple pricing with no setup or maintenance fees, with charges applied per transaction (transaction rates are not publicly detailed in the available sources)

Available on Web with API access for integrating payments into websites and applications.

It targets B2B teams, including SMEs and larger businesses that want a single payment gateway to accept multiple local payment options.

It is notable in the Nigerian market context for supporting alongside international card schemes and bank transfer methods, which can help businesses serve customers with different preferred payment channels.