expressPay vs PayOnlime
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
PayOnlime
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
expressPay ships an update every 5 months, PayOnlime every 5 weeks. Both last shipped on September 30, 2026.
| Parameter | expressPay | PayOnlime |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (114 ratings) — better | — |
| Positive reviews | 58.3% of reviews | — |
| Number of ratings | 114 — better | — |
| Update frequency | Every 5 months | Every 5 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 78 MB | 89 MB |
| Age rating | 4+ | 4+ |
| Developer | expressPay Ghana Limited | Onlime 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
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- 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
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- 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
expressPay
No in-app purchases
PayOnlime
No in-app purchases









