OPay

OPay Payment Gateway Overview For Merchants

If you sell to customers in Africa and the Middle East, OPay gives you a single way to accept online and in-store payments, issue payouts, and manage invoices and subscriptions. OPay focuses on local payment rails and country-specific methods while providing APIs, mobile SDKs, and ready-made plugins for popular platforms.

OPay At A Glance

• What it is: A payment processing platform with online checkout, invoicing, subscriptions, shareable payment links, and payouts.

• How you use it: Start with the merchant dashboard, choose hosted checkout or server APIs, and add mobile SDKs or e-commerce plugins as needed.

• Where it operates: The website lists Egypt, Nigeria, Saudi Arabia, United Arab Emirates, Bahrain, Oman, Qatar, Kuwait, and Pakistan.

• Who it is for: E-commerce stores, subscription businesses, platforms, and marketplaces that need regional payment methods and local settlement.

Operating Countries And Coverage

OPay displays coverage for Egypt and Nigeria. The public signup page currently notes the international merchant dashboard supports Egyptian and Nigerian merchants, so your onboarding experience may differ by country. If you are outside these markets, verify availability with the sales team before integrating.

Payment Methods And Currencies

OPay exposes payment methods per region so you can localize checkout without building separate integrations.

Egypt

• Cards: Visa, MasterCard, and Meeza via the BankCard method

• Installments: ValU and Shahry

• Mobile Wallets: Including Vodafone Cash

• Reference Code: Generate a code for cash payment at an offline location

• Bank Installments: Bank installment flows

Amounts are handled in EGP.

Nigeria

• Bank Account and Bank Transfer

• USSD Payments

• OPay Wallet: Including QR flows for wallet customers

• Cards: BankCard support for local cards

• Reference Code for pay-in at designated locations

Nigeria supports amounts in NGN and, for certain card flows, USD. Always confirm which pay methods you plan to enable in your country settings.

Core Product Modules

Online Payments

You can accept payments online with a hosted Cashier or a server-side API. The hosted flow redirects customers to OPay’s checkout page. If you want complete UI control, use server APIs to collect details and process payments on your side.

Installments

For Egypt, OPay advertises integrations with ValU and Shahry, letting customers split purchases according to the issuer’s installment plan. Your checkout detects the customer’s issuer and presents relevant installment options.

Invoicing

The invoicing module provides Quick Invoice, Single Invoice, and Bulk Invoice creation, so you can send links to customers and track payment status from the dashboard. This helps where you do not run a full e-commerce storefront.

Subscriptions

If you run a recurring business, Subscriptions lets you create and manage recurring charges. You configure plans, charge customers on schedule, and monitor status from one place.

Shareable Payment Links

You can create branded payment links to collect payments without a website. Links can be shared via social or messaging and accept multiple simultaneous payers.

Payouts

OPay supports payouts to Visa and Mastercard cards within minutes and global bank payouts with real-time bank account validation. This is useful for seller disbursements, contractor payments, or marketplace flows.

In-Store Acceptance And Merchant App

For point-of-sale, OPay mentions smart, small, and light POS devices to accept cards in store. The merchant app lets you create invoices, generate QR codes, receive payments through cards, reference codes, and wallets, and get notifications.

Pricing And Fees

OPay publishes example pricing that varies by market:

• Egypt Standard Plan: 2.25% + 2 EGP per transaction

• Nigeria Local Transactions: 1.5% per local transaction, capped at N2,000

• Nigeria International Transactions: 4% per transaction

• Nigeria Payout and Transfer Fees:

  • OPay wallet transfer: N5

  • Transfers to other banks or MMOs: N10 for N5,000 and below, N25 for N5,001 to N50,000, and N50 for N50,000 and above

OPay also states no hidden monthly or setup fees and highlights automated settlement cycles. Since rates can change and additional fees may apply by business model or risk profile, confirm your exact pricing with sales for your operating country.

Integration Options

You can mix and match hosted and direct integrations based on your control and effort trade-offs.

Hosted Cashier

Use OPay Cashier to create a payment, redirect the shopper, and receive the result back at your return URL. This approach is faster to launch and keeps sensitive data out of your environment.

Server APIs

For full control, use server-to-server APIs to create payments, check statuses, cancel unpaid orders, and issue refunds. The API set includes:

• Authorize and Capture: Authorize now, capture later for fulfillment-driven flows

• Void: Cancel a captured transaction before settlement cutoff when allowed

• Refund and Refund Status: Refund a completed charge and query refund state

• Cancel Payment: Close unpaid transactions

Mobile SDKs

Native Android and iOS SDKs help you embed OPay’s payment sheet inside your app so customers can pay without leaving your mobile experience.

E-Commerce Plugins

OPay ships plugins for widely used platforms, including WooCommerce, Shopify, Magento 2, OpenCart, CS-Cart, VirtueMart, PrestaShop, and WHMCS. Plugins expose region-specific methods like Bank Card, ValU, Shahry, Reference Code, and Mobile Wallet where supported.

Security, Compliance, And Reliability

• PCI: OPay’s documentation describes PCI-compliant RESTful APIs. The on-site payment pages also reference Level 1 PCI considerations and fraud protections.

• Authentication: API requests are authenticated and signed. OPay uses HMAC-SHA512 signatures with your secret key to protect request integrity.

• 3D Secure: A 3DS Card Payment API is available so issuers can challenge cardholders and return the result to your site.

• Tokenization: Card token APIs let you replace sensitive card data with tokens, which reduces storage of raw card details on your systems.

• Webhooks And Callbacks: You configure a callback URL to receive notification of payment status changes. Your endpoint should return HTTP 200 to acknowledge. If acknowledgment fails, OPay retries for up to 72 hours.

• Testing: A sandbox environment and test cards are provided for end-to-end testing before you go live.

As always, use your own PCI program and security controls appropriate to your integration path, and avoid handling raw card data unless you are authorized and validated to do so.

Payouts And Settlement

OPay’s payout service targets fast disbursements. You can push funds to Visa and Mastercard cards 24 or 7, and send global bank payouts with account validation. The marketing pages mention a better and automated settlement cycle, but exact settlement times and currencies depend on your country setup, acquirer relationships, and method mix. Confirm operational details during onboarding.

Merchant Experience And Onboarding

The merchant dashboard provides analytics and transaction tracking for online, invoicing, links, and payouts. Getting started follows a simple path: create an account, link your bank account, and start accepting payments. Because availability differs by country, check whether your market is enabled in the dashboard and whether your preferred payment methods are supported by your plugin or API configuration.

When OPay Is A Good Fit

• You sell in Egypt or Nigeria, or you need localized payment methods across MENA and West Africa.

• You want a single provider for online checkout, invoicing, recurring billing, and payouts.

• You plan to launch quickly using a hosted checkout or plugin, with the option to move to server APIs later.

• You need installment payments in Egypt or bank and wallet methods in Nigeria to improve authorization rates.