Best OPay Alternatives in 2026
Updated
20 tools from peer-to-peer payment apps ranked against OPay on the same published basis.
- 1OPay vs Settle Up
- 2OPay vs Splitwise
- 3OPay vs Wise
- 4OPay vs PicPay
- 6OPay vs PhonePe
- 7OPay vs Remitly
- 8OPay vs Venmo
- 9OPay vs Zelle
- 10OPay vs Cash App Taxes
- 11OPay vs PayPay
- 12OPay vs WorldRemit
- 13OPay vs Lydia
- 14OPay vs MobilePay
- 15OPay vs PalmPay
- 16OPay vs tricount
- 17OPay vs Airtel Money
- 18OPay vs BHIM
- 19OPay vs Vipps
- 20OPay vs Xoom
- 21OPay vs MoneyGram
OPay alternatives compared
| # | Tool | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | Settle Up | 7.6 | Free plan | — | Android, iOS, Web, Windows |
| 2 | Splitwise | 7.3 | Free plan | Free | Android, API, iOS, Web |
| 3 | Wise | 7.3 | Free plan | Free | Android, iOS, Web |
| 4 | PicPay | 7.2 | Free plan | Free | Android, iOS, Web |
| 6 | PhonePe | 7.1 | Free plan | Free | Android, iOS |
| 7 | Remitly | 7.1 | Free plan | Free | Android, iOS |
| 8 | Venmo | 7.1 | Free plan | Free | Android, iOS, Web |
| 9 | Zelle | 7.1 | Free plan | Free | Android, iOS, Web |
| 10 | Cash App Taxes | 7.0 | Free plan | Free | Android, iOS, Web |
| 11 | PayPay | 7.0 | Free plan | $1,980/mo | Android, iOS |
| 12 | WorldRemit | 7.0 | No | — | Android, iOS, Web |
| 13 | Lydia | 6.9 | Free plan | Free | Android, iOS |
| 14 | MobilePay | 6.9 | Free plan | Free | Android, iOS |
| 15 | PalmPay | 6.9 | No | — | Android, API, iOS, Web |
| 16 | tricount | 6.9 | Free plan | Free | Android, iOS |
| 17 | Airtel Money | 6.8 | Free plan | Free | Android, iOS |
| 18 | BHIM | 6.8 | Free plan | Free | Android, iOS |
| 19 | Vipps | 6.7 | No | NOK 300/mo | Android, API, iOS |
| 20 | Xoom | 6.7 | No | — | Android, iOS, Web |
| 21 | MoneyGram | 6.6 | No | — | Android, iOS, Web |
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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 7.6 out of 10. The others here: Splitwise, Wise, PicPay and 16 more.
What is the best free alternative to OPay?
Settle Up is the best-ranked alternative with a free plan. 15 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked on what each maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing.