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OPay vs Paytm
OPay and Paytm are both payment receiving platforms. On a $1,000 payment you keep about $995 on OPay and $1,000 on Paytm, 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 $995 on OPay and $1,000 on Paytm, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only OPay offers agent cash-out and card/ATM.
- Paytm is the older platform — founded in 2010, 8 years before OPay (2018).
- OPay is based in Nigeria, Paytm in India.
Which should you choose?
Choose OPay if…
- You want to withdraw via agent cash-out and card/ATM.
Choose Paytm if…
- Keeping more of each payment matters most — its fee is lower.
- You prefer a long track record (since 2010).
Side by side
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OPay
A Nigerian fintech where individuals and merchants receive payments and transfer money.
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Paytm
One of India biggest payment platforms - individuals and merchants receive via UPI and QR codes, with a full b…
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| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | No | Yes |
| Fees | ~NGN 10 per transfer, ~0.5% agent withdrawal | Free UPI payments, legacy wallet restricted |
| Withdraw via | Bank transfer, agent cash-out, card/ATM | Bank transfer (UPI) |
| Availability | Nigeria | India |
| Local to | Nigeria | India |
| Founded | 2018 | 2010 |
| Headquarters | Lagos, Nigeria | Noida, India |
| Stock ticker | — | NSE: PAYTM |
| Popularity | 44 views · 0 likes | 53 views · 0 likes |
Frequently asked questions
Which is cheaper, OPay or Paytm?
On a $1,000 payment you keep about $995 on OPay and $1,000 on Paytm, before withdrawal or currency-conversion costs.
Where are OPay and Paytm available?
OPay: Nigeria. Paytm: India.