BHIM vs OPay
BHIM
npci.org.in
OPay
opayweb.comSide by side
| Figure | BHIM | 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 (#10) | 8.5 (#5) |
| Founded | 2016 | 2018 |
| Payment methods | Users can send money using a UPI ID, a UPI registered mobile number, or an account number and IFSC code. | The developer guide documents payment flows including card, bank transfer, USSD, bank account, POS, and OPay wallet QR payments. |
| Platforms | BHIM’s FAQ lists iOS 9.0 and above and Android 5.0 and above as supported. | The OPay app is available on iOS and Android. |
| Security | BHIM’s FAQ says the UPI PIN is used to authenticate UPI transactions, and the privacy policy describes safeguards including firewalls, encryption and data leakage prevention technologies. | 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 FAQ lists BHIM’s toll-free support number as 18001201740 for queries or complaints. | 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
BHIM
BHIM is a free UPI payment app for Android and iOS that sends money directly between bank accounts and handles payment requests. Users can pay with a UPI ID, a UPI-registered mobile number, or an account number and IFSC code, and can link up to five bank accounts. BHIM describes the service as available 24x7. Its FAQ states a limit of Rs 40,000 per transaction and Rs 40,000 per day for each linked account; new users have a Rs 5,000 limit during their first 24 hours. Bill Pay supports electricity, gas, DTH, telecom, loan EMI, insurance, water, FASTag, cable TV, and education bills when the bank is enabled on Bharat Bill Pay. Merchants can add up to three collection agents with individual QR codes. A UPI PIN authenticates transactions. The privacy policy says BHIM may collect phone, financial, transaction, device, SIM, IP address, and location information, while not storing contacts when access is granted. Completed transactions cannot be reversed unless the recipient refunds them.
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.