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ExpressPay vs OPay
ExpressPay and OPay are both payment receiving platforms. On a $1,000 payment you keep about $975–$985 on ExpressPay and $995 on OPay, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $975–$985 on ExpressPay and $995 on OPay, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only ExpressPay offers Mobile money. Only OPay offers agent cash-out and card/ATM.
- ExpressPay is the older platform — founded in 2012, 6 years before OPay (2018).
- ExpressPay is based in Ghana, OPay in Nigeria.
Which should you choose?
Choose ExpressPay if…
- You want to withdraw via Mobile money.
- You prefer a long track record (since 2012).
Choose OPay if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via agent cash-out and card/ATM.
Side by side
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ExpressPay
Collect payments via cards and all mobile-money networks.
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OPay
A Nigerian fintech where individuals and merchants receive payments and transfer money.
Visit
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | No |
| Fees | Transfer fees capped ~GHS 10, merchant 1.5-2.5% | ~NGN 10 per transfer, ~0.5% agent withdrawal |
| Withdraw via | Mobile money, bank transfer | Bank transfer, agent cash-out, card/ATM |
| Availability | Ghana | Nigeria |
| Local to | Ghana | Nigeria |
| Founded | 2012 | 2018 |
| Headquarters | Accra, Ghana | Lagos, Nigeria |
| Popularity | 43 views · 0 likes | 40 views · 0 likes |
Frequently asked questions
Which is cheaper, ExpressPay or OPay?
On a $1,000 payment you keep about $975–$985 on ExpressPay and $995 on OPay, before withdrawal or currency-conversion costs.
Where are ExpressPay and OPay available?
ExpressPay: Ghana. OPay: Nigeria.