expressPay vs Secured pay
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.
Secured pay
This platform simplifies and secures international money transfers for individuals and businesses. It offers features like escrow protection, transaction tracking, and receiver confirmation to enhance trust and transparency in global commerce.
- Cross-border transactions
- Escrow protection
- Receiver confirmation
- Transaction tracking
- KYC verification
- Fraud prevention
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Secured Pay is a fintech platform designed to simplify and secure cross-border transactions for individuals, SMEs, and importers. The platform enables users to send, receive, and manage international payments efficiently while reducing the risks commonly associated with global trade and money transfers. Secured Pay provides secure international payment solutions with features such as escrow protection, receiver confirmation, and transaction tracking to improve trust and transparency in cross-border commerce. The built-in escrow system helps protect both buyers and sellers by securely holding funds until transaction conditions are fulfilled. Receiver confirmation through SMS, email, or messaging channels adds an extra layer of verification before payments are finalized. The platform is designed with strong compliance and security standards, including KYC verification, fraud prevention measures, and advanced account protection systems. Secured Pay offers a simple and user-friendly experience for businesses and individuals managing international supplier payments, remittances, and global business transactions.
Screenshots
Verdict
The clearest difference is rating: Secured pay at 5.0 against expressPay's 4.1. Secured pay also leads on update cadence (fortnightly vs every 5 months). expressPay's advantage is ratings volume (114 vs 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Secured pay holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: expressPay has 114 ratings behind it against 1, so its average is the more settled of the two.
expressPay ships an update every 5 months, Secured pay fortnightly. The most recent releases landed on September 30, 2026 and October 2, 2026 respectively.
| Parameter | expressPay | Secured pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (114 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 58.3% of reviews | — |
| Number of ratings | 114 — better | 1 |
| Update frequency | Every 5 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 78 MB | 67 MB |
| Age rating | 4+ | 17+ |
| Developer | expressPay Ghana Limited | SECURED PAY LTD |
Customer experience
expressPay
Secured pay
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
Secured pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
expressPay
No in-app purchases
Secured pay
No in-app purchases
