Payogo: AI Budget & Remit

Payogo

About this app

Payogo is the money app for the African diaspora — built for people who earn in one currency and support family in another.

Compare what your family will receive before you send, keep every budget on track, and let AI log your receipts for you. All in one simple app.

COMPARE PROVIDERS BEFORE YOU SEND
• See estimated amounts your family receives from popular money-transfer providers, side by side
• Corridors for Ghana (GHS), Nigeria (NGN) and Kenya (KES) from US dollars
• Fees, estimated rates and delivery speed shown together, with the best estimate highlighted
• Today's mid-market rate, refreshed several times a day
• Tap a provider to get their live quote and send on their own site or app
• Payogo never touches your money — you always send with the provider you choose

RATE ALERTS
• Pick a corridor, like USD → GHS, and set your target rate
• Get a push notification when the rate rises above your target — even when the app is closed
• Rates are checked several times a day, so you can send at the right moment

BUDGETS THAT KEEP UP WITH YOU
• Create weekly, monthly or yearly budgets for groceries, rent, transport, sending money home and more
• Watch spending fill each budget, with clear colours as you get close
• See when a category goes over, and how much you have left this month
• Track your spending in your own currency

SNAP A RECEIPT — AI DOES THE REST
• Take a photo or choose one from your library
• AI reads the merchant, amount, date and category in seconds
• Your spending history fills itself in — no typing
• Swipe to delete a receipt any time

INSIGHTS FROM YOUR REAL SPENDING
• Personal, plain-language tips based on your own spending and money sent home
• Spot patterns, see where your money goes and find ways to save
• Refresh for a new insight whenever you like

CONNECT YOUR BANK — READ-ONLY (OPTIONAL)
• Link your bank securely through Plaid to import balances and transactions
• Your bank login goes to Plaid and never reaches Payogo
• Payogo can never move money or make payments from your account
• Disconnect any time

PRIVATE BY DESIGN
• No ads, and we never sell your data
• Sign in with your email
• Delete your account and all your data from inside the app at any time

WHO IT'S FOR
Students, nurses, drivers, professionals and families across the diaspora who send money home to Ghana, Nigeria or Kenya and want every dollar to go further.

Rates shown are estimates based on the mid-market rate and each provider's typical margin. Actual rates and fees are set by the provider and may differ. Payogo is not a bank or money-transfer service.

Questions or ideas? We'd love to hear from you: [e-mail]

What’s new

Welcome to Payogo! Compare estimated rates before you send money to Ghana, Nigeria or Kenya, set rate alerts, track budgets in USD, GHS and NGN, and let AI log your receipts and spot spending insights.