OPay vs Vipps
OPay
opayweb.comVipps
vipps.noSide by side
| Figure | OPay | Vipps |
|---|---|---|
| Price from | Free | 300 NOK/mo |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 6 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#5) | 7.4 (#22) |
| Cards | OPay offers debit cards and an instant virtual card, with in-app card controls including PIN changes, limits, and blocking or unblocking. | Users can add Visa and Mastercard cards to Vipps for tapping. |
| Founded | 2018 | 2015 |
| Headquarters | Lagos, Nigeria | Oslo, Norway |
| Integrations | The merchant developer guide describes RESTful APIs, Express Checkout, and e-commerce plugins, including a WooCommerce plugin. | Vipps MobilePay provides developer guides, SDKs, APIs, and setup instructions for integrations. |
| 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. | Vipps advises users never to share PINs, card or account information, passwords, or other sensitive information, and says it will not ask them to update payment details through an SMS or email link. |
| Support | OPay says customer service is available 24/7 through in-app and physical centers, official social media, and phone hotlines. | Vipps directs users to its help pages and offers chat support. |
Plans
Vipps
- Vipps payments for businesses: in-person1.75 NOK, paid once
- Donations1.99 NOK, paid once
- Payment links2.49 NOK, paid once
- Recurring payments2.99 NOK, paid once
- Login300 NOK a month
- Cash register integrationPriced 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.