⚡Zap. It. Done.
ZapPay™ is a money transfer service designed for sending from the United States to Ghana. Bank-deposit delivery, transparent fees, no surprises. Coming soon — join the waitlist below.
Indicative pricing for illustration only. Final fees and rates confirmed at the time of any future authorized transaction. Phase 1.1 limits: $30 minimum, $500 maximum per transfer.
We started ZapPay to do one thing exceptionally well: move money from the United States to Ghana, with no surprises and no compromises on safety.
One simple service fee. No exchange-rate gimmicks, no hidden charges. You see exactly what your recipient will receive before you send.
Funds delivered straight into your recipient's bank account at any of our 20+ partner banks across Ghana, typically in 1–3 business days.
Built-in identity verification. End-to-end encryption. Funds held in trust at our partner bank. Your money is protected at every step.
We focus on one corridor and do it exceptionally well. Designed by and for the Ghanaian community in the United States.
From signing up to confirming your transfer—designed to be as straightforward as possible.
Sign up with your email and phone number. We'll send you a verification code to confirm.
Quick identity check—a photo of your ID, a selfie, and a few details. Takes about three minutes.
Connect your U.S. bank account securely. We never see or store your bank login credentials.
Enter the amount and your recipient's bank details. Confirm and we'll handle the rest.
Bank deposit transfers typically arrive in 1–3 business days from the time your transfer is confirmed. You'll get notifications at each stage of the process.
Our entire pricing is one line: a 7% service fee on the amount you send. The exchange rate carries a 2% spread on the mid-market rate. That's it. No subscription, no monthly fees, no hidden charges.
We deliver directly into recipient accounts at 20+ partner commercial banks across Ghana — covering all 16 regional capitals from Accra to Nalerigu, Cape Coast to Bolgatanga. Wherever family is, ZapPay can reach them.
We focus on doing one thing exceptionally well. Here's what we deliberately don't do—so there are no surprises.
We've kept the product narrow on purpose. Fewer features, simpler architecture, fewer surprises—and a much higher bar for trust.
Get ZapPay on the device you use most. Native iOS and Android apps coming soon. The web app is available now.
Install our progressive web app on any device. Works offline once installed. No app store required.
Native mobile apps
Scan to join the waitlist
Native iOS and Android apps are in development. Join the waitlist and we'll notify you the moment they're available in the App Store and Google Play.
We started ZapPay because the experience of sending money home should not be the most stressful part of taking care of family.
We are building this for the people we know best—our parents, siblings, cousins, and community. The kind of people who deserve a service designed around their needs, not extracted from them. ZapPay is small on purpose: one corridor, one funding method, one promise that we'll do this right or not do it at all.
We are still pre-launch. The Virginia Money Transmitter License application is in progress, and we are working through every step required to operate as a fully licensed money services business. When ZapPay is ready, we want it to be ready properly. Until then, we'd be honored to have you on the waitlist.
Note: this founder message is a placeholder pending final language.
Drop your email below and we'll notify you the moment ZapPay is live. No commitment, no marketing spam, no shared lists.
We'll be in touch the moment ZapPay launches. Feel free to share with friends or family who might want to join.
We read every email. Reach out anytime—our team is happy to help.