Comparison

myghpay vs XpressPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

myghpay

This app facilitates secure and fast payments for a wide range of goods and services using your mobile money, cards, or bank account. It offers convenient features like remembering favorites and biometric authorization for seamless transactions.

Highlights
  • Mobile money payments
  • Card payments (Visa/Mastercard)
  • Bank account payments
  • Biometric authorization (Face ID, biometrics, PIN)
  • Receipt generation
  • Payment for utilities and subscriptions
  • Money transfers
Features
Read full description

New year, an all-new improved myghpay! With a new look of convenience and modern security, Myghpay has been redesigned to ensure your transactions are faster and more secure! The app has been built with you in mind and allows you to make payments for goods, services or products from your mobile money wallet, Visa / Mastercard (Foreign or Local) or GTBank account anywhere you are in the world! A smarter app which remembers you and your favourite service, people and merchants, you can now authorize payments with face ID, biometrics or PIN and generate receipts on-the-fly! Myghpay is open to the general public. Log on to it by downloading the mobile app or visiting the website Myghpay.com. Among the numerous services and merchants you can make payments for are as follows – • Airtime Purchases • Vodafone Broadband • MTN data bundles • DSTV • GOTV • DSTV Box Office • Surfline • University of Ghana School Fees • Mobile money transfers (Bank-to-wallet; wallet-to-Bank & wallet-to-wallet) • Local Interbank transfers • Databank investments • FirstBanc investments • Ghana Water Company Limited (GWCL) • Electricity Company of Ghana (ECG) • …many more

About

XpressPay

Easily purchase affordable data and airtime for any network. Pay utility bills and manage funds with a dedicated, easy-to-fund wallet.

Highlights
  • Cheap data and VTU airtime
  • Utility bill payments
  • Dedicated funding wallet
  • Easy wallet funding
  • Supports all networks
Features
Read full description

Get cheap data and VTU airtime for all networks, utility bills payment from XpressPay. Our application comes with an easy to fund wallet via a dedicated bank account just for you.

Screenshots

myghpay4 screens
XpressPay1 screens

Verdict

The call

The clearest difference is rating: myghpay at 4.7 against XpressPay's 4.0. myghpay also leads on ratings volume (325 vs 1). XpressPay's advantage is iOS requirement (10.0 vs 15.1). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

myghpay holds the better App Store score, 4.7 against 4.0. That said, the two scores are not equally well evidenced: myghpay has 325 ratings behind it against 1, so its average is the more settled of the two.

Scorecard3 real differences · 7 level
myghpay versus XpressPay: the parameters behind the verdict, then further details
ParametermyghpayXpressPay
PriceFreeFree
Rating4.7 (325 ratings) — better4.0 (1 ratings)
Positive reviews45.5% of reviews—
Number of ratings325 — better1
Update frequencyEvery 8 months—
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.110.0 — better
Further details — not scored
Size46 MB82 MB
Age rating4+4+
DeveloperGUARANTY TRUST BANK GHANA LTDSystems Technologies Limited

Customer experience

myghpay

All ratings317 ratings
Positive91.8%
Neutral4.7%
Negative3.5%
Written reviews22 reviews
Positive45.5%
Neutral13.6%
Negative40.9%

XpressPay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

myghpay

Reported bugs

8 issues
  • Transactions stuck on pending for days
  • Deducted money not reflected in account
  • App automatically signs out and invalidates credentials
  • App crashes on opening
  • Updates to wallet payment on app does not reflect on website and vice versa
Show 3 more
  • App only works with GT bank card
  • No Visa debit section for payment
  • Cannot go back after clicking buy airtime

Requested features

3 requests
  • Allow adding back deleted saved numbers sooner than a month
  • Add Visa debit card payment option
  • Fix inability to go back after clicking buy airtime

XpressPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

myghpay

No in-app purchases

None

XpressPay

No in-app purchases

Questions

Is myghpay free?
myghpay is free to download, with no in-app purchases.
Is XpressPay free?
XpressPay is free to download, with no in-app purchases.
Which has better reviews, myghpay or XpressPay?
myghpay is rated higher. myghpay averages 4.7 out of 5 from 325 ratings, while XpressPay averages 4.0 from 1 ratings.
Do myghpay or XpressPay have ads?
Neither myghpay nor XpressPay shows ads.

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