Payogo's AI reads your spending, catches the best rate, and tells you exactly when to send.
Connect your bank or snap a receipt — either way, Payogo's AI takes it from there.
Link your bank via Plaid and every transaction syncs automatically. Or snap a receipt — our AI reads it in 2 seconds.
Every transaction is categorised, patterns detected, budgets tracked — automatically, across any currency.
AI monitors exchange rates around the clock. When the rate peaks, you get an alert — send at the right moment.
Payogo watches exchange rates across your corridor 24/7. When the rate peaks, you get an alert — so you send at the right moment, not just whenever.
The exchange rate has reached a 3-week high. Sending now maximises value for your family.
"I was tired of guessing whether today was a good day to send money home — and of watching fees quietly eat into what my family actually received. So we built the tool we wished existed: one place to see where your money goes and when to send it."
Your money is here and home. Payogo is built for both.
Track a tight budget in the US while supporting family back home — without overpaying on transfers.
Send money home regularly? Know the best time to send so your family receives the most, every time.
Manage spending across USD, GHS, NGN and more — with AI insights that catch what you'd miss.
Connect your bank or snap your first receipt. No credit card, 2-minute setup.
🔒 No spam. Free to start.