Comparison

expressPay vs PayOnlime

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

Head to head
About

expressPay

Send money instantly to mobile money accounts or bank accounts with just a few taps. Easily purchase airtime and internet data for any network in seconds. Pay merchants and service providers using various digital payment methods.

Highlights
  • Instant money transfers
  • Mobile money and bank account transfers
  • Instant airtime purchases
  • Instant internet data purchases
  • Merchant and service provider payments
  • Multiple payment methods accepted
Features
Read full description

Instant money transfers Send money instantly in just a few taps. Send directly to Airtel Money, MTN mobile money, Tigo Cash, Vodafone Cash or to a bank account! Your days of visiting the bank branch to make a deposit are over. Tap, tap, tap and you’re done! Instant airtime purchases Buying topup is a breeze with expressPay. Topup any network in a matter of seconds. Airtel, Glo, MTN, Tigo Vodafone, you’re covered! Instant internet purchases Need data? Get connected in seconds by purchasing your internet data with expressPay. 4G and 3G services are all covered. Paying for your data should be as easy as 1,2,3. Pay with ease Make payments to your favorite merchants and service providers with ease. Merchants get notified instantly. You can pay any way you like. If it’s digital, expressPay has you covered. expressPay accepts Visa, MasterCard, MTN mobile money, AirtelTigo Money and Vodafone Cash.

About

PayOnlime

Features
Read full description

PayOnlime is the cheapest and most secure way to send money to friends and family across the world. Our app features a fast and intuitive interface that allows you to send and receive money in just a few taps. Our app also features a built-in calculator to help you see how much your transfer will cost in real-time. Plus, you can track your transfers and see their status in your account history. We take security seriously, so all your transactions are encrypted and protected with industry-standard security measures. CROSS-BORDER TRANSFER WHETHER you need to send money to a loved one across the globe or just need to pay a bill, our app has you covered. TRANSFER TO MOBILE MONEY, BANK ACCOUNT, CASH COLLECTION Send money from PayOnlime to Mobile Money wallets, Bank Accounts, or for Cash Pick Up worldwide instantly and securely. - Send money to 73+ countries including Guinea, Ghana, Nigeria, South Africa, Sierra Leone, Benin, Senegal, Cameroon, Uganda, Malawi, Mozambique, Rwanda, Tanzania, Morocco, Zimbabwe, Ethiopia, Mali, Ivory Coast, Kenya, UK, India, China, France, UAE, Malaysia, Turkey, Belgium, Cyprus, Austria. - Choose from mobile money options like Orange Money, AfriMoney, MTN MoMo, AirtelTigo, Zeepay, Vodafone Cash, and Alipay. - Send to 50+ trusted banks like UBA, Ecobank, Fidelity Bank, Zenith Bank, Standard Chartered Bank, Access Bank, GT Bank, Wema Bank, Fidelity Bank, Standard Bank UK, Metro Bank UK, Barclays Bank UK, Halifax Bank UK. - Recipients can pick up their money at over 1,000+ cash pick-up locations. MULTI-CURRENCY WALLET Receive payments from friends and family and easily convert them to another currency. RATE CALCULATOR Check rates anywhere and anytime.

Screenshots

expressPay4 screens
PayOnlime4 screens

Verdict

The call

The clearest difference is ads: expressPay at none against PayOnlime's shown. PayOnlime's advantage is update cadence (every 5 weeks vs every 5 months) and iOS requirement (13.0 vs 15.0). On price, 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

expressPay ships an update every 5 months, PayOnlime every 5 weeks. Both last shipped on September 30, 2026.

Scorecard3 real differences · 7 level
expressPay versus PayOnlime: the parameters behind the verdict, then further details
ParameterexpressPayPayOnlime
PriceFreeFree
Rating4.1 (114 ratings) — better—
Positive reviews58.3% of reviews—
Number of ratings114 — better—
Update frequencyEvery 5 monthsEvery 5 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.013.0 — better
Further details — not scored
Size78 MB89 MB
Age rating4+4+
DeveloperexpressPay Ghana LimitedOnlime Limited

Bugs and requests

expressPay

Reported bugs

9 issues
  • History keeps reappearing after deleting
  • App crashes when profile menu is selected
  • Cannot change subscriptions without app crashing
  • Cannot load money on the app
  • SMS code not received for registration
Show 4 more
  • Password incorrect error, but new password matches old
  • Request timed out error after update
  • Login challenges after updates, even with 'remember me' ticked
  • Mobile money transfer not working for Vodafone broadband with MTN

Requested features

15 requests
  • Add foreign cards
  • Add payment reference/notation for Mobile Money
  • Add chat and request sections
  • Create ExpressPay QR code for payments
  • Add passcode or fingerprint security feature
Show 10 more
  • Add iTunes gift card as payment method
  • Add Glo network support
  • Add PIN number option for app login
  • Add Fidelity Bank Ghana to Bank Direct option
  • Add ability to send money from USA to Ghana
  • Add support for Amex cards
  • Add scheduled payment page functionality
  • Add profile menu functionality
  • Add a back button on certain areas
  • Add option to use PIN as password for app

PayOnlime

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

expressPay

No in-app purchases

None

PayOnlime

No in-app purchases

Questions

Is expressPay free?
expressPay is free to download, with no in-app purchases.
Is PayOnlime free?
PayOnlime is free to download, with no in-app purchases.
Do expressPay or PayOnlime have ads?
PayOnlime shows ads; expressPay does not.
Which is updated more often, expressPay or PayOnlime?
expressPay ships an update every 5 months, and PayOnlime every 5 weeks. Most recently, expressPay was updated on September 30, 2026 and PayOnlime on September 30, 2026.

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