“Can a Ghanaian payment gateway own the bridge between mobile money rails and international card networks for African merchants?”
Founded 2012 in Ghana as a consumer eCommerce/bill-payment marketplace, expressPay evolved into a full-stack payment gateway provider — becoming an official Visa Payment Technology Provider and the leading Visa eCommerce processor in Ghana. Today it operates across two layers: a consumer app for airtime, utilities, subscriptions, school fees, and money transfers; and a merchant infrastructure layer offering APIs, QR payments, USSD, POS devices, and bulk payments. Its embedded-finance angle is being the on-ramp between Ghanaian mobile money rails (MTN, AirtelTigo, Vodafone) and international card networks (Visa, Mastercard, Amex, Discover) for local merchants.
expressPay processes payments through expressPay Payment Gateway (self-operated), expressPay Merchant API (self-operated), expressPay Merchant Direct API (self-operated), expressPay Tokenization API (self-operated), expressPay Invoice API (self-operated), expressPay QR / Scan to Pay (self-operated), expressPay USSD (self-operated), expressPay POS (Android, NFC) (self-operated) and 1 other.
expressPay is founded in 2012 and headquartered in Accra, Ghana.
Get a read on where your own stack stands against expressPay and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.