# expressPay vs GhanaPay Customer

The clearest difference is rating: expressPay at 4.1 against GhanaPay Customer's 3.2. expressPay also leads on review sentiment (58% vs 36%). GhanaPay Customer's advantage is update cadence (monthly vs every 5 months) and iOS requirement (12.0 vs 15.0). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

expressPay holds the better App Store score, 4.1 against 3.2. Both are backed by a comparable volume of ratings — 117 and 87 respectively. Written reviews point the same way: 58% of expressPay's written reviews are positive against 36% of GhanaPay Customer's.

expressPay ships an update every 5 months, GhanaPay Customer monthly. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | expressPay | GhanaPay Customer |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.1 (117 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews)** | [3.2 (87 ratings)](https://appshunter.io/ios/app/ghanapay-customer/id1619527051/reviews) |
| Number of ratings | **117** | 87 |
| Positive reviews | **58.3% of reviews** | 35.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | Free |
| Size | 78 MB | 89 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [GHANA INTERBANK PAYMENT AND SETTLEMENT SYSTEMS LIMITED](https://appshunter.io/developer/1619527053) |

## What reviewers say

### expressPay

[App page](https://appshunter.io/ios/app/expresspay/id755749885)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and navigate
- 🚀 Fast and efficient transactions
- 🔒 Secure verification process
- ✅ Reliable and convenient
- 🌟 Top-notch customer service

**What reviewers complain about**

- 🐌 Slow process
- ❌ Scam accusations
- 🐛 App crashes frequently
- 📉 Bad exchange rates
- 🚫 Not working in Nigeria

**Reported bugs**

- 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

**Requested features**

- 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


### GhanaPay Customer

[App page](https://appshunter.io/ios/app/ghanapay-customer/id1619527051)

A mobile wallet service offering low-cost financial transactions including sending money, bill payments, and airtime purchases. It provides additional features like savings pots, crowdfunding, and sponsored wallets, with USSD access available.

**Highlights:** Send money, Pay bills, Buy airtime, Savings pot, Crowdfunding (susu), USSD access (*707#)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is expressPay free?

expressPay is free to download, with no in-app purchases.

### Is GhanaPay Customer free?

GhanaPay Customer is free to download, with no in-app purchases.

### Which has better reviews, expressPay or GhanaPay Customer?

expressPay is rated higher. expressPay averages 4.1 out of 5 from 117 ratings, while GhanaPay Customer averages 3.2 from 87 ratings.

### Do expressPay or GhanaPay Customer have ads?

Neither expressPay nor GhanaPay Customer shows ads.

### Which is updated more often, expressPay or GhanaPay Customer?

expressPay ships an update every 5 months, and GhanaPay Customer monthly. Most recently, expressPay was updated on October 24, 2026 and GhanaPay Customer on October 22, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*