OPay vs PayPay
OPay
opayweb.com
PayPay
paypay.ne.jpSide by side
| Figure | OPay | PayPay |
|---|---|---|
| Price from | Free | $1,980/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 1 | 2 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#5) | 8.5 (#6) |
| Founded | 2018 | 2018 |
| Headquarters | Lagos, Nigeria | Tokyo, Japan |
| 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. | PayPay describes 24/7 fraud monitoring, two-factor authentication, and encryption of customer payment card and bank account information. |
| Support | OPay says customer service is available 24/7 through in-app and physical centers, official social media, and phone hotlines. | PayPay directs users with suspected unauthorized use or login problems to its Help pages. |
Plans
In their own words
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.