A Nigerian fintech where individuals and merchants receive payments and transfer money.
OPay is a mobile money where anyone can register to start earning. Fees are ~NGN 10 per transfer, ~0.5% agent withdrawal and you can withdraw via Bank transfer, agent cash-out and card/ATM. Founded in 2018, OPay is based in Lagos, Nigeria. It is available in Nigeria.
Last updated
What people actually earn on OPay
We haven't found a verified figure for what people earn on OPay yet. We add one here when OPay or an independent study publishes numbers. See what people earn on other platforms →
Can I join OPay?
Nigerian naira wallet with free transfers to local bank accounts and a debit card, local payments only.
Official requirements ↗ · Check which platforms you can join →
How OPay compares
- At 0.5%, OPay takes a smaller cut than 13 of the 15 payment receiving platforms we track that charge a percentage fee (median 1.7%).
- OPay is the only one of the 51 payment receiving platforms we track that pays out via card/ATM.
- Launched in 2018, OPay is newer than most payment receiving platforms — 43 of the 53 we track were founded earlier.
Compared with the payment receiving platforms in our directory. See them all →
Is OPay legit?
OPay is a real, operating platform. What we could verify:
- Operating since 2018 (8 years)
- Headquartered in Lagos, Nigeria
Listing last updated September 2026 · how we verify platforms · Missing or out of date? Tell us
Guides
No step-by-step guide for OPay yet. Browse all guides or find the right way to earn for you.
Frequently asked questions
How much does OPay charge?
OPay fees: ~NGN 10 per transfer, ~0.5% agent withdrawal. On a $100 payment that leaves you about $99.50, before withdrawal or conversion costs.
How do you get paid on OPay?
OPay pays out via Bank transfer, agent cash-out and card/ATM.
Which countries is OPay available in?
Nigeria. Its main focus is Nigeria.
Is OPay legit?
Yes, OPay is a real, operating platform: operating since 2018 (8 years) and headquartered in Lagos, Nigeria. As with any platform, check its current terms before relying on it for income.
What are the best OPay alternatives?
Similar platforms include Payoneer, Mercado Pago, M-Pesa and PayPal. Compare their fees and payouts in the alternatives section below.
Compare OPay with…
OPay alternatives
More payment receiving like Payoneer
PayoneerThe freelancer favorite for international payments - receiving accounts in USD, EUR, GBP and more, connected directly to Upwork, Fiverr, Ama…
payoneer.com58 views
Mercado PagoLatin America biggest payments app - anyone can receive via QR codes, payment links, and card readers, with or without selling on MercadoLib…
mercadopago.com55 views
M-PesaThe mobile money system that runs East Africa - anyone with a SIM card can receive payments, and small businesses charge through till number…
safaricom.co.ke54 views
PayPalThe most widely accepted way to get paid online - send an invoice or a PayPal.Me link and receive from almost any client in the world.
paypal.com51 views
EasypaisaPakistan most used mobile wallet - receive money to your phone number, get paid by customers via QR, and cash out at agents everywhere.
easypaisa.com.pk43 views
RevolutA financial super-app with multi-currency accounts - freelancers receive international payments and hold, exchange, and spend dozens of curr…
revolut.com42 views