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
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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?
Not verified yet: Minimum age · You'll need · ID verification · Cost to join · Sign-up process · First payout Know the answer? Tell us
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 →
Not verified yet: Mobile apps · Support Know the answer? Tell us
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Listing last updated September 2026 · how we verify platforms · Missing or out of date?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, PayPal, Mercado Pago and M-Pesa. Compare their fees and payouts in the alternatives section below.
Compare OPay with…
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