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ExpressPay vs PhonePe
ExpressPay and PhonePe are both payment receiving platforms. On a $1,000 payment you keep about $975–$985 on ExpressPay and $1,000 on PhonePe, 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 $1,000 on PhonePe, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only ExpressPay offers Mobile money.
- ExpressPay is the older platform — founded in 2012, 3 years before PhonePe (2015).
- ExpressPay is based in Ghana, PhonePe in India.
Which should you choose?
Choose ExpressPay if…
- You want to withdraw via Mobile money.
Choose PhonePe if…
- Keeping more of each payment matters most — its fee is lower.
Side by side
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ExpressPay
Collect payments via cards and all mobile-money networks.
Visit
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PhonePe
A leading Indian payments app where users and merchants receive money via UPI and QR.
Visit
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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% | Free UPI payments for consumers |
| Withdraw via | Mobile money, bank transfer | Bank account via UPI |
| Availability | Ghana | India |
| Local to | Ghana | India |
| Founded | 2012 | 2015 |
| Headquarters | Accra, Ghana | Bengaluru, India |
| Popularity | 43 views · 0 likes | 43 views · 0 likes |
Frequently asked questions
Which is cheaper, ExpressPay or PhonePe?
On a $1,000 payment you keep about $975–$985 on ExpressPay and $1,000 on PhonePe, before withdrawal or currency-conversion costs.
Where are ExpressPay and PhonePe available?
ExpressPay: Ghana. PhonePe: India.