OPay vs Taptap Send
OPay
opayweb.comTaptap Send
taptapsend.comSide by side
| Figure | OPay | Taptap Send |
|---|---|---|
| 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 | 8.5 (#5) | 8.1 (#12) |
| Founded | 2018 | 2018 |
| 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. | Taptap Send says it uses bank-level security and encryption technology to protect payments and data. |
| Support | OPay says customer service is available 24/7 through in-app and physical centers, official social media, and phone hotlines. | The company directs customers to contact its support team through the app. |
| Who it serves | OPay says its platform provides financial services to users and POS and acquiring services to agents and merchants in Nigeria. | Taptap Send describes its service as helping people send money back home to family and communities abroad. |
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.
Taptap Send
Taptap Send is a mobile app for sending money to friends and family in Africa, Asia, the Caribbean, and Latin America. It is aimed at people sending money to family and communities abroad, with service available in the UK, US, Canada, Australia, UAE, and across the EU. Depending on the route, recipients can receive funds by bank transfer, mobile money, cash pickup, or home delivery. Transfers are listed as instant, and the app lets users track transfers and schedule them. Before confirming, senders can see the exchange rate, any fee, and the amount due to the recipient. Charges vary by route, amount, and delivery method, and an exchange-rate margin may apply. There is no subscription price stated; transfer fees depend on the transfer. The app is available on Android and iOS. Sending limits depend on verification level and may also be set by destination providers. For UK users seeking higher limits, verification requires a photo ID and selfie. The company says it uses encryption and is regulated in multiple jurisdictions.