Best OPay Alternatives in 2026
Updated
20 platforms from peer-to-peer payment apps ranked against OPay on the same published basis.
- 1OPay vs Settle Up
- 2OPay vs Splitwise
- 4OPay vs PhonePe
- 5OPay vs PicPay
- 6OPay vs Remitly
- 7OPay vs Wise
- 8OPay vs tricount
- 9OPay vs Cash App Taxes
- 10OPay vs Venmo
- 11OPay vs Zelle
- 12OPay vs BHIM
- 13OPay vs Lydia
- 14OPay vs MobilePay
- 15OPay vs PalmPay
- 16OPay vs Vipps
- 17OPay vs WorldRemit
- 18OPay vs PayPay
- 19OPay vs Xoom
- 20OPay vs MoneyGram
- 21OPay vs Paysend
OPay alternatives compared
| # | Platform | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | Settle Up | 7.5 | Free plan | — | Android, iOS, Web, Windows |
| 2 | Splitwise | 7.2 | Free plan | Free | Android, API, iOS, Web |
| 4 | PhonePe | 7.1 | Free plan | Free | Android, iOS |
| 5 | PicPay | 7.1 | Free plan | Free | Android, iOS, Web |
| 6 | Remitly | 7.1 | Free plan | Free | Android, iOS |
| 7 | Wise | 7.1 | Free plan | Free | Android, iOS, Web |
| 8 | tricount | 7.0 | Free plan | Free | Android, iOS |
| 9 | Cash App Taxes | 6.9 | Free plan | Free | Android, iOS, Web |
| 10 | Venmo | 6.9 | Free plan | Free | Android, iOS, Web |
| 11 | Zelle | 6.9 | Free plan | Free | Android, iOS, Web |
| 12 | BHIM | 6.8 | Free plan | Free | Android, iOS |
| 13 | Lydia | 6.8 | Free plan | Free | Android, iOS |
| 14 | MobilePay | 6.8 | Free plan | Free | Android, iOS |
| 15 | PalmPay | 6.6 | No | — | Android, API, iOS, Web |
| 16 | Vipps | 6.5 | No | NOK 300/mo | Android, API, iOS |
| 17 | WorldRemit | 6.1 | No | — | Android, iOS, Web |
| 18 | PayPay | 6.0 | Free plan | $1,980/mo | Android, iOS |
| 19 | Xoom | 6.0 | No | — | Web, iOS, Android |
| 20 | MoneyGram | 5.9 | No | — | Android, iOS, Web |
| 21 | Paysend | 5.9 | No | — | Web, iOS, Android |
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Questions about OPay alternatives
What is the best alternative to OPay?
Settle Up, number 1 in peer-to-peer payment apps with a score of 7.5 out of 10. The others here: Splitwise, PhonePe, PicPay and 16 more.
What is the best free alternative to OPay?
Settle Up is the best-ranked alternative with a free plan. 14 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked on how quickly a newcomer can get going: documentation depth, a free tier or trial, and the platforms it runs on.