Airtel Money vs OPay
Airtel Money
airtel.in
OPay
opayweb.comSide by side
| Figure | Airtel Money | OPay |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 1 | 1 |
| Spec score · Peer-to-Peer Payment Apps | 8.2 (#9) | 8.5 (#5) |
| Headquarters | Gurugram, Haryana, India | Lagos, Nigeria |
| Integrations | Airtel Money Wallet can be used at online platforms including MakeMyTrip, BookMyShow, and Myntra. | The merchant developer guide describes RESTful APIs, Express Checkout, and e-commerce plugins, including a WooCommerce plugin. |
| Payment methods | The Airtel App supports UPI, credit card, debit card, and net banking for payments. | The developer guide documents payment flows including card, bank transfer, USSD, bank account, POS, and OPay wallet QR payments. |
| Security | Airtel says transactions are protected by PCI-DSS certified payment gateways and that sensitive data such as Aadhaar details is not stored in plaintext. | 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. |
| Support | The app provides 24x7 chat support and lets customers raise complaints and monitor their progress. | OPay says customer service is available 24/7 through in-app and physical centers, official social media, and phone hotlines. |
Plans
In their own words
Airtel Money
Airtel Money Wallet is a free digital wallet in the Airtel App for recharges, bill payments, merchant purchases, and transfers to people or bank accounts. It runs on Android and iOS, and transfers are described as instant. Payments can use UPI, credit cards, debit cards, or net banking; UPI also supports QR-code sending and receiving. The app handles Airtel prepaid and postpaid services, DTH, Wi-Fi, and utility bills, while showing balances and validity and managing DTH channels and Wi-Fi passwords. The wallet works at online services including MakeMyTrip, BookMyShow, and Myntra. Airtel Payments Bank offers a paperless, zero-balance savings account opened through video KYC. The listed plan charges Rs. 0 for account opening, wallet-to-wallet transfers, utility bills, recharges, and DTH payments. Wallet-to-bank fees range from Rs. 2 to Rs. 100 by amount.
OPay
OPay is a financial services platform for users, agents, and merchants in Nigeria. Its app supports account funding, transfers to Nigerian bank accounts, bill payments, airtime and data top-ups, debit cards, and savings options. OPay says bank transfers and bill payments have no extra charge, subject to transfer limits and other restrictions. Active debit cards have zero maintenance fees and can be used at Nigerian ATMs, POS terminals, and online payment platforms. Savings choices include OWealth, Spend & Save, Fixed Savings, Target Saving, and SafeBox; OPay says OWealth earns daily interest while funds remain accessible. Merchant tools include PCI-compliant REST APIs, hosted Express Checkout, and e-commerce plugins such as WooCommerce. Documented payment flows include cards, bank transfers, USSD, bank accounts, POS, and OPay wallet QR payments. The app is listed as free and supports Android and iOS, with API access for merchants. OPay says it is licensed by Nigeria's Central Bank and insured by the Nigeria Deposit Insurance Corporation.