Most payment failures are caused by one of the following reasons:

• Non-sufficient Funds (NSF) this is similar to a "bounced check." This happens when you try to pay more than is available in your bank account. Please note that while expressPay doesn't charge you for NSF, your bank may. Please refer to your bank for details.
• Your bank did not authorize this specific payment. This may happen the first time you use the service. Once you authorize your bank, you should be able to transact.
• Your biller refused the payment. expressPay will let you know if this is the case and you can contact your biller for more information.
• To protect you from accidental double-payments, expressPay may reject identical payments (same amount to the same biller) made immediately after each other.

Payments are processed instantly and are final. Please refer to our refund policy if warranted.

Once you submit a payment, expressPay verifies your payment authorization with your bank and then securely submits it to the biller. Most payments are reflected instantly on your account and we will keep you updated on the status of all pending payments.

After you make a payment, expressPay will email you a receipt. You can also check payment status by reviewing your transaction history under "My Account" when logged in. You can also contact us at support@expresspaygh.com or via phone with your payment reference ID (available on the receipt displayed when you complete bill payment, and on the receipt you receive by email) if you require assistance.

You can use your debit, credit card, bank or other payment account to make payments with expressPay.

You can pay at anytime. As soon as your payment is reflected, your merchant account will be credited appropriately.

Before you can use expressPay to make payments, we need to confirm your identity. We protect this information with bank-level security and will never sell your personal information.

Send an email message to support@expresspaygh.com. At expressPay, we strive to constantly improve our service and we welcome all user feedback.

If you are encountering any issues kindly email support@expresspaygh.com

Yes, expressPay is safe. We do not have access to any of your personal information, usernames or passwords. We also do not have access to your bank account. We simply serve as the platform for you to access your accounts. expressPay adheres to the highest standards in security in order to keep your data private and secure. All your data is protected with a 256-bit encryption level and the data exchanged with expressPay using SSL in order to create a highly secured connection between users and expressPay's servers. We work to bring you a great service, with the peace of mind that your information will be protected.

All credential information is highly encrypted and remains in a closed system which means no one, including our own employees can decrypt the password. expressPay has the ability to save a password or delete it, but we can never read one.

Your privacy is not for sale: expressPay will NEVER (now or in the future) share any personally identifiable information we collect from our users with any 3rd party.