Comparison

myghpay vs Risewell

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

Risewell

Features
Read full description

Risewell Debt Planner is a calm, private debt tracker and payoff planner for bills, loans, credit cards, subscriptions and collection agreements. Add each balance, plan your monthly budget and see what is left, what you have already paid and what needs attention next. Log payments quickly, set reminders before due dates and follow your own tracking plan. Built for everyday debt and bill management: - Track balances, original amounts, minimum payments and due dates for debts, loans and credit cards - Log payments and watch the remaining balance update instantly - Build a self-directed tracking plan from your current balances, income, expenses and monthly budget - Manage essential expenses and see available money for repayment - Split available budget across active debts evenly or by custom percentages - Track subscriptions, renewal dates, payment methods and upcoming bills - Store collection agreement notes, references and documents privately - Get local reminders before payments are due - Use iCloud sync across your Apple devices - Add Home Screen widgets for debt progress and next payment - Lock the app with Face ID, Touch ID, Optic ID or device passcode - Choose your default currency, with per-balance currency support Risewell is designed to feel calm and practical: no bank connection, no ads, no public sharing and no complicated setup. Your finance information stays on your device and, if enabled, syncs through your private iCloud account. Risewell does not make payments, connect to bank accounts or provide financial advice. It is a planning and tracking tool to help you understand your balances and stay consistent. Rise well tomorrow knowing you have it under control.

Screenshots

myghpay4 screens
Risewell4 screens

Verdict

The call

The clearest difference is update cadence: Risewell at every 3 days against myghpay's every 8 months. myghpay's advantage is iOS requirement (15.1 vs 17.6). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

myghpay ships an update every 8 months, Risewell every 3 days. The most recent releases landed on October 6, 2026 and October 4, 2026 respectively.

Scorecard2 real differences · 8 level
myghpay versus Risewell: the parameters behind the verdict, then further details
ParametermyghpayRisewell
PriceFreeFree
Rating4.7 (317 ratings) — better—
Positive reviews45.5% of reviews—
Number of ratings317 — better—
Update frequencyEvery 8 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better17.6
Further details — not scored
Size46 MB11 MB
Age rating4+17+
DeveloperGUARANTY TRUST BANK GHANA LTDMARITIME MASTER LIMITED

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

Risewell

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

myghpay

No in-app purchases

None

Risewell

No in-app purchases

Questions

Is myghpay free?
myghpay is free to download, with no in-app purchases.
Is Risewell free?
Risewell is free to download, with no in-app purchases.
Do myghpay or Risewell have ads?
Neither myghpay nor Risewell shows ads.
Which is updated more often, myghpay or Risewell?
myghpay ships an update every 8 months, and Risewell every 3 days. Most recently, myghpay was updated on October 6, 2026 and Risewell on October 4, 2026.

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