What is DirectSend?

DirectSend Mobile App is a product of Xpresschoice Services Ltd., an incorporated Canadian Company registered with the Financial Transactions Report Analysis of Canada (FINTRAC) as a Money Services Business.

The App provides you with instant money transfer services to Ghana. Once registered, customers can transfer funds to ALL Mobile Money Wallets and Bank Accounts from any smart phone or tablet 24/7.


How does it Work?

Download the App


Enter or select the phone number or bank account of your recipient.

Enter the amount you wish to transfer

Pay for the transaction with the Visa or MasterCard Debit saved on the App.

Click next to instantly send money to recipients’ mobile wallet or bank account.

Is there a Fee to send money?

Unlike other money transfer operations, there is absolutely NO Fee for all transfers to Ghana! Saving you lots of money on each transfer.

We only make profit on a small percentage on the exchange rate that you see on the main page of the App.

Note that your recipient may receive less due to fees charged by the mobile wallet provider, foreign taxes and/or bank charges.

How do I add my debit card?

Go to the Send page of the App. Click on select card, select “add a new card” ‘then input and save your new card information.

In order to make sure you’re the right owner of the card, a small amount (less than CAD 1) will be charged against your card by DirectSend. Log into your online banking account to see this charge. Enter the amount in the input field on the app to complete adding your card.

In case all the card detail is correct and the app still continues to give an error message, contact your bank and ask them to allow transactions from DirectSend.

For security reasons, you cannot delete a saved debit card from the App.

Why does my transfer keep failing during VBV check?

This happens because your bank may be mistaking your transfer as coming from someone else other than yourself and may be blocking the transaction. This is a precautionary measure taken by the banks.

Call your bank and ask them to allow transactions from DirectSend.

Which Countries can I send money from/to?

You can send money from all provinces in Canada except Quebec (Xpresschoice does not currently have an operating license for the province of Quebec).

Currently, you can only send money to Ghana.

How do I know my money is safe?

Yes, your money is safe. We are licensed in Canada as a money transfer business with the Financial Transactions Report Analysis of Canada (FINTRAC). Our FINTRAC registration number is: M15895051. In addition, your money is not held in our bank accounts but moved instantly to your recipient’s mobile wallet or bank account!

Is my personal information safe?

We are committed to securing your personal and financial information and employ proven technology to protect and secure your data. We encode all data as soon as it is entered in the App and send it over an encrypted 128-bit connection.

How do I verify my email during registration?

You will receive an email from DirectSend with a link for you to click to ensure that we have the correct contact information for you.

Check your Spam or search for ‘DirectSend’ in your email if you still do not see an email from us.

How do I reset my password?

Click on “Forgot Password” on the login page of the app and enter your email address.

A password recovery code will be sent to your email address. Follow the instructions to reset your password.

How do I know funds has been delivered?

We will send you an email receipt and update the transaction state on the transfers screen of the App to ‘Funds Delivered’. If a transaction requires review for regulatory reasons, we will contact you immediately.

What is the maximum amount that I can send?

Due to banking regulations, you can send a maximum of CAD 999 per day and CAD 2,999 per month.

What is the MINIMUM amount that I can send?

There is a minimum of CAD 50 for transfers to bank accounts. There is however no minimum amount for transfers to mobile wallets.

Do you accept payment using Paypal or credit card?

No. We only accept debit cards because it allows us to save on transaction charges passing on the savings to you.

What does ‘Card Error’ mean?

This often indicates that you do not have good internet service to save your card, or the app needs to be upgraded to the latest version from the App Store/Google Play.

Can I cancel a transaction/or get a refund?

If the funds you have transferred is yet to be delivered to your beneficiary’s mobile wallet or bank account, you can contact us to get a refund for the transfer. Once the status of the transaction changes to ‘Funds Delivered,’ the funds have been delivered and no refund is possible.

If due to technical difficulty, which results in our inability to deliver the funds to your recipient(s), we shall refund the full transfer amount to your debit card within 2 to 7 business days.

Why am I unable to save a new bank account number?

Reason: The bank account number may be wrong or the account may be inactive or dormant.

Contact your recipient for the correct bank account number and bank branch or ask your recipient to reactivate their bank account.

What does ‘Send Fail’ mean?

This may be an indication that our transfer system is temporarily down and you should try again after a few minutes.

For bank transfers, “Send Fail” may also be an indication that your recipient’s bank account is currently inactive or dormant. Please ask your recipient to reactivate their bank account.

What are the Mobile Wallet limits in Ghana?

Each money wallet provider in Ghana has its own limits that has to be followed.

• Find out from your recipients the maximum allowable limit of their provider(s).

• If your recipient’s wallet is too full for us to transfer funds, please ask them to make a withdrawal before sending a transfer.

• Otherwise, we will reverse the transfer and issue a refund immediately to your saved debit card. You will receive the exact amount within 10 business days of the refund.