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ExpressPay vs Nagad
ExpressPay and Nagad are both payment receiving platforms. On a $1,000 payment you keep about $975–$985 on ExpressPay and $988.50 on Nagad, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $975–$985 on ExpressPay and $988.50 on Nagad, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only ExpressPay offers Mobile money. Only Nagad offers Agent cash-out.
- ExpressPay is the older platform — founded in 2012, 6 years before Nagad (2018).
- ExpressPay is based in Ghana, Nagad in Bangladesh.
Which should you choose?
Choose ExpressPay if…
- You want to withdraw via Mobile money.
- You prefer a long track record (since 2012).
Choose Nagad if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via Agent cash-out.
Side by side
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ExpressPay
Collect payments via cards and all mobile-money networks.
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Nagad
A major Bangladeshi mobile financial service for receiving payments and cash-out.
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | No |
| Fees | Transfer fees capped ~GHS 10, merchant 1.5-2.5% | Cash-out ~1.15% via app |
| Withdraw via | Mobile money, bank transfer | Agent cash-out, bank transfer |
| Availability | Ghana | Bangladesh |
| Local to | Ghana | Bangladesh |
| Founded | 2012 | 2018 |
| Headquarters | Accra, Ghana | Dhaka, Bangladesh |
| Popularity | 43 views · 0 likes | 44 views · 0 likes |
Frequently asked questions
Which is cheaper, ExpressPay or Nagad?
On a $1,000 payment you keep about $975–$985 on ExpressPay and $988.50 on Nagad, before withdrawal or currency-conversion costs.
Where are ExpressPay and Nagad available?
ExpressPay: Ghana. Nagad: Bangladesh.