Become an OPay Merchant

Get a POS terminal and enjoy low fees on all your transactions.

Here is why you should become a merchant with us

Trusted and Reliable Service

Trusted and Reliable Service

OPay is a CBN licensed mobile money platform. We offer low fees and a hassle-free way to carry out an array of services for your customers.
Instant Transaction Settlement

Instant Transaction Settlement

Receive funds into your wallet instantly and offer transfer services to your customers in real-time. No waiting for end-of-day reconciliation.
Business Intelligence and Growth Insights

Business Intelligence and Growth Insights

As your partner, your growth is our growth. We offer a powerful dashboard to view all your business transactions and helps you understand your business better.

Freedom to make your own money!

As an OPay Merchant, you have the power and control to make as much money as you can by providing financial services in your community.

Airtime / Data

Get discounts and vouchers for airtime purchase on the OPay app. Pay Less for More with ease on OPay!

TV subscriptions

Earn more money on commission when you help your customers pay for their TV subscriptions. Zero Fees!

Fast & Secure Transfers

With your OPay account, you can send and receive money in real-time from any bank for as low as 10 Naira.


Make your money work for you! Earn up to 15% per annum interest when you save in any of our savings products.


Offer people an easier way to pay their electricity bills on the OPay app. Easy payment, more money.

Deposit / Withdraw

Become a bank for your neighbourhood. OPay empowers you to offer deposit and withdrawal services to all customers.

We give you all the tools you need to succeed

Free POS for your business

Reduce the burden of your customer visiting the bank to get cash. Become the available stop for fast cash in your area with a device that serves all purposes right from making withdrawals, to offering all merchant business services (Transfers, Paybills, Savings etc.)

One App to do everything!

Our one stop mobile application provides you with all the services that you can offer and more. Our new app is solely built with our merchants in mind and provides solutions to help you carry out financial services nationwide.


We understand the importance of support to your business and the efficiency it brings to your business, which is why we have profiled and trained customer support representatives available 24/7 for every transaction issue you experience.

We are trusted by over 5 million Nigerians

As an OPay Merchant, you have the power and control to make as much money as you can by providing financial services in your community.

Getting started is easy!


Download the OPay app from the Google playstore or Apple app store.


During signup, provide all the required information for approval.


Earn commissions for transactions you make on the OPay merchant app.

*Say goodbye to bank transfer fees! Transfer to bank accounts and OPay wallets for free.
**OPay will not charge you for any transaction done on the OPay app.

© 2021. OPay is a mobile money platform operated by OPay Digital Services Limited and licensed by the Central Bank of Nigeria. Launched in June 2018, the company has spread its services across all 36 states and the FCT in Nigeria with over 500,000 mobile money merchants. Unauthorised reproduction and/or redistribution of copyrighted materials on this website and OPay’s social media pages is strictly prohibited.

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