OPay

pmt_opay
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OPay combines a Nigerian mobile wallet with a merchant and agent ecosystem. Customers use digital accounts for transfers, bills, recharges and purchases, while physical agents help connect cash with electronic balances, giving the brand a role in both spending and financial access.

Use cases:
Initiation:
Users
32M
Markets
2
TPV
$23B
Transactions
2.2B

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

Capabilities

Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities

Markets

PSPs

Schemes

Compliance

Standards