# expressPay vs Secured pay

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.

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.

## The numbers

| Metric | expressPay | Secured pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (114 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/secured-pay/id6756720444/reviews)** |
| Number of ratings | **114** | 1 |
| Positive reviews | 58.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 78 MB | 67 MB |
| Requires iOS | **15.0** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [SECURED PAY LTD](https://appshunter.io/developer/1862483677) |

## 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


### Secured pay

[App page](https://appshunter.io/ios/app/secured-pay/id6756720444)

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.

**Highlights:** Cross-border transactions, Escrow protection, Receiver confirmation, Transaction tracking, KYC verification, Fraud prevention

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is expressPay free?

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

### Is Secured pay free?

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

### Which has better reviews, expressPay or Secured pay?

Secured pay is rated higher. expressPay averages 4.1 out of 5 from 114 ratings, while Secured pay averages 5.0 from 1 ratings.

### Do expressPay or Secured pay have ads?

Neither expressPay nor Secured pay shows ads.

### Which is updated more often, expressPay or Secured pay?

expressPay ships an update every 5 months, and Secured pay fortnightly. Most recently, expressPay was updated on September 30, 2026 and Secured pay on October 2, 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.*