Learn More - Payogo

What Makes Payogo Different

Built by diaspora, for diaspora. We understand the unique challenges of managing finances across continents.

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True Multi-Currency Support

Track expenses in USD, GHS, NGN, and KES seamlessly. Real-time exchange rates help you optimize every transfer home. No more mental math or spreadsheet juggling.

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AI Receipt Scanning

Just snap a photo of any receipt. Our AI extracts merchant, amount, and category automatically. Works with receipts from any country, in any language.

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Smart AI Insights

Get personalized recommendations on when to send money home, where you're overspending, and how to reach your goals faster. AI that actually helps.

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Remittance Optimizer

Know the best time to send money home based on exchange rate predictions. Save hundreds of dollars per year on international transfers.

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Goal Tracking

Whether it's your Ghana startup fund, emergency savings, or sending siblings to school, track progress with AI-powered tips to reach goals faster.

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Bank-Level Security

Your financial data is encrypted and secure. We never sell your data or share it with third parties. Your privacy is our priority.

How It Works

Get started in minutes, not hours. No complicated setup or learning curve.

1

Sign Up & Set Preferences

Tell us where you're based and which currencies you use. Set your monthly budget goals in less than 2 minutes.

2

Track Your Spending

Add transactions manually or scan receipts with your camera. Payogo automatically categorizes everything and tracks against your budgets.

3

Get AI Insights

Our AI analyzes your spending patterns and gives you personalized recommendations. Know when to send money home, where to cut costs, and how to save more.

4

Achieve Your Goals

Watch your savings grow and goals get closer. Whether it's building an emergency fund or starting a business back home, Payogo keeps you on track.

Frequently Asked Questions

Is Payogo really free?

Yes! Our core features including budget tracking, multi-currency support, and basic insights are completely free forever. Premium features like receipt scanning and advanced AI insights are available for $9.99/month.

Which currencies do you support?

Currently we support US Dollar (USD), Ghana Cedi (GHS), Nigerian Naira (NGN), and Kenyan Shilling (KES). We're planning to add more African currencies soon based on user demand.

How does receipt scanning work?

Simply take a photo of any receipt using your phone camera. Our AI extracts the merchant name, total amount, date, and even individual items. It automatically categorizes the expense and adds it to your budget. Works with receipts in any language!

Is my financial data secure?

Absolutely. We use bank-level encryption to protect your data. We never sell your information to third parties, and you can delete your account and data at any time. Your privacy and security are our top priorities.

Can I use Payogo if I'm not from Ghana, Nigeria, or Kenya?

Yes! While Payogo is built with the African diaspora in mind, anyone managing money across borders can benefit. Our multi-currency support and international money transfer optimization work for all users.

Do you connect to my bank account?

Not yet, but we're working on it! Currently, you add transactions manually or by scanning receipts. This gives you full control over what data you share while we build secure bank integrations.

Financial Intelligence Made Simple