OPay vs Settle Up
OPay
opayweb.com
Settle Up
settleup.ioSide by side
| Figure | OPay | Settle Up |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 12 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#5) | 9.0 (#1) |
| Headquarters | Lagos, Nigeria | Casper, Wyoming, United States |
| Purpose | OPay describes itself as a financial services platform for managing finances, payments, and transactions. | Settle Up tracks group expenses and IOUs for travelers, flatmates, couples, event organizers and groups of friends. |
| Support | OPay says customer service is available 24/7 through in-app and physical centers, official social media, and phone hotlines. | The maker lists separate support email addresses for Android, iOS, web and Windows users and promises replies. |
Plans
Settle Up
- PremiumPrice not published
- FreeFree
- FreeFree
- Monthly Premium$3.99 a month
- Group Premium for 1 week$5.99, paid once
- Group Premium for 2 weeks$9.99, paid once
- Group Premium for 1 month$14.99 a month
- Yearly Premium$19.99 a year
- Group Premium for 2 months$29.99, paid once
- Group Premium$39.99, paid once
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.
Settle Up
Settle Up tracks shared expenses and IOUs, showing groups who should pay next while reducing the number of transactions needed to settle debts. It is intended for travelers, flatmates, couples, event organizers, and groups of friends. Expenses can use unequal weighted shares, multiple payers, incomes, and itemized bills. The app works offline and syncs when internet access returns. It supports all currencies with real-time exchange rates, and groups can be shared by link or QR code. Free capabilities include transaction filters and statistics, CSV export by email, read-only access, backup and synchronization, widgets, and shortcuts. Premium adds ad-free use, receipt photos, expense categories, recurring transactions, Excel export, and group colour choices. Monthly Premium costs $3.99 a month, and Yearly Premium costs $19.99 a year. Group Premium prices include $5.99, paid once for one week, $14.99 a month, and $39.99 a year. The listed platforms are Android, iOS, web, and Windows.