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CrossaPay

How it works

From quote to confirmed delivery

Here's exactly what happens when you send money with CrossaPay.
  1. 1

    Create your account

    Register with your name, email and phone number and confirm your email. Pick Ghana or Nigeria — we suggest one from your location and you can change it. You can then send up to GH₵5,000 / ₦500,000 in total without ID. Your limits are always shown in your dashboard.

  2. 2

    Choose a direction

    Ghana → Nigeria (GHS to NGN) or Nigeria → Ghana (NGN to GHS).

  3. 3

    Enter an amount and review your quote

    We show the transfer fee, our exchange rate, the total you'll pay, the amount your recipient should receive, your limits and when the quote expires.

  4. 4

    Add or choose a recipient

    In Nigeria, enter their bank account — we show the name registered to it so you can check. In Ghana, enter their MTN, Telecel or AirtelTigo mobile money number. We only list banks and networks we can pay out to.

  5. 5

    Review and pay

    Check the summary and pay without leaving CrossaPay. From Ghana, approve the Mobile Money request on your phone. From Nigeria, transfer the exact amount shown to the one-time account number from your bank app. The page confirms by itself when your payment arrives.

  6. 6

    Track to completion

    Follow each status update. We'll notify you when payment is confirmed and when the payout is confirmed. Download a receipt at any time.

Transfer statuses

  • Pending payment: We're waiting for your payment. Choose a payment method and pay before the payment window closes.
  • Payment processing: Your payment provider is processing the payment. This can take a few minutes.
  • Payment confirmed: Your payment has been verified. We're running final checks and converting the money for payout.
  • Payout pending: Processing: the payout has been sent to the recipient's bank or wallet provider and is awaiting their confirmation.
  • Completed: The payout provider has confirmed that the funds were delivered to your recipient.

When things don't go to plan

  • Under review: This transfer is being reviewed by our team. This is a routine check and we'll update you shortly.
  • Failed: This transfer could not be completed. No money was taken, or — if you were charged — a refund will be arranged.
  • Refund pending: A refund is being processed back to your original payment method.
  • Refunded: Your refund has been completed.
  • Cancelled: This transfer was cancelled before any payment was taken.
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