OPay vs Splitwise
OPay
opayweb.comSplitwise
splitwise.comSide by side
| Figure | OPay | Splitwise |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 8 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#5) | 8.8 (#3) |
| Founded | 2018 | 2011 |
| Headquarters | Lagos, Nigeria | Providence, Rhode Island, USA |
| Integrations | The merchant developer guide describes RESTful APIs, Express Checkout, and e-commerce plugins, including a WooCommerce plugin. | Pro transaction import connects a credit or debit card to show recent purchases for splitting, and the site says this feature is currently available only in the US. |
| Purpose | OPay describes itself as a financial services platform for managing finances, payments, and transactions. | Splitwise organizes shared expenses and IOUs so friends, family, housemates, and trip groups can track who owes whom. |
| 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. | Splitwise says it uses technical and administrative security measures, including encryption techniques and authentication procedures, to protect online sessions. |
| Support | OPay says customer service is available 24/7 through in-app and physical centers, official social media, and phone hotlines. | Splitwise lists email support and says it aims to reply to most support requests within one business day. |
Plans
Splitwise
- Individual + Trip PassPrice not published
- Duo + Trip PassPrice not published
- Monthly subscriptionPrice not published
- FreeFree
- FreeFree
- Splitwise Pro monthly$4.99 a month
- Splitwise Pro annual$39.99 a year
- Splitwise ProPriced on request
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.
Splitwise
Splitwise organizes shared expenses and IOUs for friends, families, housemates, and trip groups. Users can divide costs equally or unequally, including by percentage or shares, while the service calculates balances and can simplify debts among group members. It includes recurring expenses, offline mode, and cloud sync, and lists support for more than 100 currencies. Pro adds currency conversion using current foreign exchange rates, receipt scanning, itemization, charts, graphs, and expense search. Users can record cash or online payments; Splitwise Pay supports sending payments to friends in the United States. Pro transaction import connects a credit or debit card to show recent purchases for splitting, a feature currently available only in the US. Splitwise is available on Android, iOS, and the web, and offers an API for authorized third-party access. Expense details are visible to the friends or group members they are shared with. The free plan costs nothing and includes unlimited expenses, groups, friends, and balances. Splitwise says its expense and payment records are informal and not legally binding.