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expressPay

“Can a Ghanaian payment gateway own the bridge between mobile money rails and international card networks for African merchants?”

Founded2012
HQAccra, Ghana
IndustryFintech / Payments
The story

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.

Last 12 months
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Product timeline
2012
Founded as an eCommerce marketplace and payment gateway provider in Ghana· launch
2020
Awarded Technology Company of the Year at EMYs 2020· award
Regulated entities
2
regulatory licences held by expressPay
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in expressPay’s embedded-finance stack
Payments / PSP
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)expressPay Bulk Payments (self-operated)
Accounting gap: minor