OPay is one of Nigeria's largest mobile payment platforms with tens of millions of active users. It offers money transfers, bill payments, savings, POS services for merchants, and a debit card. OPay operates an extensive agent network across Nigeria, making financial services accessible even in areas with limited banking infrastructure.
History and Background
OPay was founded in 2018, making it 8 years old as of 2026. The company is headquartered in Lagos, Nigeria, Nigeria.
Since its launch, OPay has established itself as a significant player in the Nigeria fintech ecosystem. Operating as a payment application, digital bank, POS terminal provider, the company has built its reputation by providing accessible and reliable digital financial services to its growing user base. The platform continues to evolve its product offerings in response to the rapidly changing fintech landscape and increasing consumer demand for digital-first financial solutions.
Products and Services
As a payment application, digital bank, POS terminal provider, OPay offers a range of digital financial products and services designed to meet the everyday needs of its users. The platform leverages modern technology to deliver a seamless experience across mobile devices, making financial management more convenient and accessible.
Key services offered by OPay include:
- Digital banking accounts with instant setup and zero or low monthly fees
- Peer-to-peer money transfers and bank-to-bank transactions
- Bill payments for utilities, airtime top-up, and subscriptions
- Savings products with competitive interest rates
- Debit cards for online and in-store purchases
- Instant money transfers to any bank account or mobile wallet
Regulation and Safety
OPay is a licensed and regulated financial technology company, authorised by CBN (MFB Licence). This means it operates under strict regulatory oversight, giving users an additional layer of protection and confidence when using its services.
Users are encouraged to verify the current regulatory status of OPay and any fintech platform before committing funds. You can use our Safety Checker tool to get an instant safety assessment of OPay, which analyses licence status, user ratings, complaint history, and service availability.
How to Contact OPay Customer Support
OPay provides multiple customer support channels to assist users with account-related issues, transaction queries, and general enquiries. Having reliable customer support is essential for any financial services provider, and OPay has invested in making support accessible through several channels.
- Phone: You can call OPay customer care on 0700 888 8328
- Email: Send your enquiries or complaints to customerservice@opay-inc.com
- WhatsApp: Message OPay support directly on +2349165998936
- In-App Support: Most issues can be resolved through the OPay app’s built-in help centre or live chat feature
- Social Media: Reach out via X (Twitter) at @OPay_NG
Customer support working hours: 24/7 (In-App), Mon-Fri 8am-5pm (Phone).
Downloading the OPay App
The OPay app is available for download on the Google Play Store for Android devices and Apple App Store for iPhone and iPad. The app provides a full-featured mobile experience, allowing users to access all of OPay's services from their smartphone. It is recommended to download the app only from official app stores to avoid counterfeit or malicious versions. Always verify the developer name before installing.
Final Thoughts
OPay continues to play an important role in the Nigeria fintech landscape. Whether you are looking for reliable digital financial services, need help resolving an issue with your account, or want to learn more about what the platform offers, this profile page is designed to give you all the essential information in one place. For the latest updates, always refer to the official OPay website and app.
If you have used OPay, consider leaving a review below to help other users make informed decisions. You can also file a complaint through our Complaint Tracker if you have experienced any issues that need resolution.