OPay vs Wise
OPay
opayweb.com
Wise
wise.comSide by side
| Figure | OPay | Wise |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 1 | 1 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#5) | 8.1 (#13) |
| Founded | 2018 | 2011 |
| Headquarters | Lagos, Nigeria | London, United Kingdom |
| Integrations | The merchant developer guide describes RESTful APIs, Express Checkout, and e-commerce plugins, including a WooCommerce plugin. | Wise says it has partnered with companies including Monzo, Bolt, and GoCardless to provide their customers international banking services. |
| Payment methods | The developer guide documents payment flows including card, bank transfer, USSD, bank account, POS, and OPay wallet QR payments. | The app says users can fund transfers with Apple Pay, Google Pay, a debit or credit card, or a bank transfer. |
| Purpose | OPay describes itself as a financial services platform for managing finances, payments, and transactions. | The Wise app lets people send money, receive payments from abroad, check exchange rates, pay bills, and send money to loved ones. |
| 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. | Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions. |
| Support | OPay says customer service is available 24/7 through in-app and physical centers, official social media, and phone hotlines. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
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.
Wise
Wise is a money app for sending money, receiving payments from abroad, checking exchange rates, paying bills, and sending money to loved ones. It sends to bank accounts in over 140 countries; delivery on many popular routes is within a day, the same day, or instant. Wise says it uses the mid-market exchange rate and displays fees before payment. Signing up is free, with no subscription; sending and conversion fees vary by currency and start from 0.33%. Sending to another Wise account has no sending fee, though conversion fees may still apply. Transfers can be funded with Apple Pay, Google Pay, cards, or bank transfer. Users can track and schedule transfers, repeat previous transfers, and receive live exchange-rate notifications. Wise says it safeguards customer money separately from its own and uses two-factor authentication to protect accounts and transactions. Photo ID may be required for some currencies or large transfers. The app is available on Android, iOS, and web.