Comparison

expressPay vs iSmartPay

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

iSmartPay

Features
Read full description

iSmartPay is a secure and convenient fintech app that enables users in Ghana to send and receive money, pay bills, and manage everyday transactions seamlessly from their mobile devices. Key Features of iSmartPay Instant Money Transfers Send and receive money quickly across Ghana with a secure and reliable payment infrastructure. Bill Payments Made Easy Pay for utilities, airtime, data bundles, TV subscriptions, and more—all in one place. Mobile Wallet Integration Seamlessly connect and transact with popular mobile money services for faster payments. Secure Transactions Built with advanced encryption and authentication to keep your funds and data protected. Transaction History & Tracking Monitor all your payments and transfers with clear, real-time transaction records. User-Friendly Interface Enjoy a simple, intuitive design that makes everyday transactions effortless. 24/7 Accessibility Access your finances anytime, anywhere—no queues, no delays. Notifications & Alerts Stay informed with instant updates on transactions and account activity.

Screenshots

expressPay4 screens
iSmartPay4 screens

Verdict

The call

The clearest difference is update cadence: iSmartPay at every 3 weeks against expressPay's every 5 months. On price, ads, 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, iSmartPay every 3 weeks. The most recent releases landed on November 6, 2026 and November 9, 2026 respectively.

Scorecard1 real difference · 9 level
expressPay versus iSmartPay: the parameters behind the verdict, then further details
ParameterexpressPayiSmartPay
PriceFreeFree
Rating4.1 (118 ratings) — better—
Positive reviews58.3% of reviews—
Number of ratings118 — better—
Update frequencyEvery 5 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.4
Further details — not scored
Size86 MB65 MB
Age rating4+4+
DeveloperexpressPay Ghana LimitedGlobTalk LLC

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

iSmartPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

expressPay

No in-app purchases

None

iSmartPay

No in-app purchases

Questions

Is expressPay free?
expressPay is free to download, with no in-app purchases.
Is iSmartPay free?
iSmartPay is free to download, with no in-app purchases.
Do expressPay or iSmartPay have ads?
Neither expressPay nor iSmartPay shows ads.
Which is updated more often, expressPay or iSmartPay?
expressPay ships an update every 5 months, and iSmartPay every 3 weeks. Most recently, expressPay was updated on November 6, 2026 and iSmartPay on November 9, 2026.

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