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ExpressPay vs PayPal
ExpressPay and PayPal are both payment receiving platforms. Fees — ExpressPay: Transfer fees capped ~GHS 10, merchant 1.5-2.5%. PayPal: Fees vary by transaction type and country.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- Fees — ExpressPay: Transfer fees capped ~GHS 10, merchant 1.5-2.5%. PayPal: Fees vary by transaction type and country.
- Both pay out via Bank transfer. Only ExpressPay offers Mobile money. Only PayPal offers Debit card.
- PayPal is the older platform — founded in 1998, 14 years before ExpressPay (2012).
- ExpressPay is based in Ghana, PayPal in United States.
- ExpressPay focuses on Ghana, while PayPal operates internationally.
Which should you choose?
Choose ExpressPay if…
- You want to withdraw via Mobile money.
- You live in Ghana.
Choose PayPal if…
- You want to withdraw via Debit card.
- You prefer a long track record (since 1998).
Side by side
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ExpressPay
Collect payments via cards and all mobile-money networks.
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PayPal
The most widely accepted way to get paid online - send an invoice or a PayPal.Me link and receive from almost…
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | Transfer fees capped ~GHS 10, merchant 1.5-2.5% | Fees vary by transaction type and country |
| Payout speed | — | Standard bank transfer free, Instant Transfer 1.75% (max $25) |
| Withdraw via | Mobile money, bank transfer | Bank transfer, Debit card |
| Availability | Ghana | 200+ markets |
| Local to | Ghana | — |
| Founded | 2012 | 1998 |
| Headquarters | Accra, Ghana | San Jose, United States |
| Stock ticker | — | NASDAQ: PYPL |
| Popularity | 43 views · 0 likes | 51 views · 0 likes |
Frequently asked questions
Which is cheaper, ExpressPay or PayPal?
ExpressPay: Transfer fees capped ~GHS 10, merchant 1.5-2.5%. PayPal: Fees vary by transaction type and country.
Where are ExpressPay and PayPal available?
ExpressPay: Ghana. PayPal: 200+ markets.