OPay

7.1easy start · #3 of 24
in Peer-to-Peer Payment Apps

Free to practise onyes
Free trialnot on record
Well documentedyes
Runs where you worknot on record

Runs on Android, api, iOS.

OPay is ranked #3 of 24 in peer-to-peer payment apps on The Geeks Club. It runs on Android, API, iOS. There is a free plan.

OPay plans and pricing

All plans

OPay app Free App listed as free apps.apple.com · 7 Oct 2026

Compared on peer-to-peer payment apps

Free plan: Yes
Payment requests: Yes
Instant transfer: Yes

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The record

Purpose: OPay describes itself as a financial services platform for managing finances, payments, and transactions.
Services: The app supports account funding, transfers to Nigerian bank accounts, bill payments, airtime and data top-ups, debit cards, and OWealth.
Transfers and bills: OPay says transfers to other Nigerian bank accounts and bill payments are available at no extra charge, subject to transfer limits and other restrictions.
Debit card: OPay says active debit cards have zero maintenance fees and can be used at ATMs, POS terminals, and online payment platforms in Nigeria.
OWealth: OPay says OWealth earns daily interest while allowing users to access and transact with their funds, and is powered by OPAY MICROFINANCE BANK LIMITED.
Platforms: The OPay app is available on iOS and Android.
Merchant payments: OPay’s developer guide describes secure, PCI-compliant REST APIs for accepting and making payments.
Integration options: The developer guide lists hosted Express Checkout, server-side APIs, and e-commerce plugins, including a WooCommerce plugin.
Payment methods: The developer guide documents payment flows including card, bank transfer, USSD, bank account, POS, and OPay wallet QR payments.
Security: OPay says user data is encrypted, systems are scanned daily for security threats, and transactions are encrypted; it also states it is PCI DSS compliant.
Account protection: OPay says users can dial *955*131# or *955*132# to lock an account or card if a phone is lost or stolen.
Support: OPay says customer service is available 24/7 through in-app and physical centers, official social media, and phone hotlines.
Who it serves: OPay says its platform provides financial services to users and POS and acquiring services to agents and merchants in Nigeria.
Savings: Savings options listed include OWealth, Spend & Save, Fixed Savings, Target Saving, and SafeBox.
Price from: Free

Where it ranks on The Geeks Club

Best Peer-to-Peer Payment Apps in 2026#3 of 24

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Sources

opayweb.com· checked 7 Oct 2026
opayweb.com/about-us· checked 7 Oct 2026
documentation.opaycheckout.com· checked 7 Oct 2026
static.opayweb.com/about-us· checked 7 Oct 2026
play.google.com/store/apps/details· checked 7 Oct 2026
apps.apple.com/ng/app/opay-beyond-banking/id1463776084· checked 7 Oct 2026