OPay API
Payments · Banking & Fintech · Nigeria
OPay is a Nigerian digital financial services company and CBN-licensed Payment Service Bank that provides payment gateway APIs for businesses to accept online and offline payments. Originally founded as Opera Pay, OPay has grown into one of Nigeria's largest fintech platforms, backed by SoftBank Vision Fund 2, Sequoia Capital China, and other major investors.
OPay API Highlights
OPay API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key + HMAC signature (AppId + request signing with AppKey). Keys from OPay Business Dashboard.
Not publicly specified
Nigeria
Ghana
KenyaOPay API is best for:
Nigerian businesses needing a payment gateway that also integrates deeply with OPay's 40M+ user wallet ecosystem accepting card, bank transfer, USSD, and OPay wallet QR payments in one checkout particularly for mass-market consumer apps, FMCG merchants, and businesses selling to OPay's large mobile money user base.
- Local transactions:1.5% capped at ₦2,000
- International:4% per transaction
- OPay wallet transfers:₦5 each
- Other bank transfers:₦10 (≤₦5K), ₦25 (₦5K ₦50K), ₦50 (>₦50K)
- Volume discounts available for large processors
OPay API Core Features & Capabilities
Features Included
Not Supported
OPay API Supported Webhook Events
Webhooks supported (Webhooks). Check official documentation for endpoint setup.
Required Access Documents for OPay API
- OPay Business AccountRequiredRegister at business.opayweb.com with business email and complete KYC to access API keys.
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration required for CBN KYC compliance and live mode.
- Director BVN and Government IDRequiredBVN and valid government-issued ID for business directors standard CBN requirement.
- Business Bank AccountRequiredActive Nigerian bank account in business name for settlement.
Different OPay API use cases
- OPay Wallet-Integrated Checkout:Nigerian merchants with high OPay wallet user bases (market traders, FMCG retailers) can embed the OPay Checkout API to let customers scan a QR code and pay directly from their OPay wallet at ₦5 per transfer.
- Mass-Market Consumer App Payments:Apps targeting Nigeria's mass market can use OPay's bank transfer and USSD channels to collect payments from users who don't have debit cards reaching the 70% of Nigerians in the informal economy.
- USSD Payment for Low-Connectivity Users:E-commerce platforms serving Nigerian users in low-connectivity areas can use OPay's USSD payment channel to collect payments from basic feature phones without internet access.
- Low-Cost Bulk Disbursements:Platforms disbursing to OPay wallet holders (agent networks, gig workers) can use OPay's ₦5 wallet transfer API for extremely cost-effective bulk payouts compared to traditional bank transfer fees.
- WooCommerce Payment Integration:Nigerian online stores using WordPress/WooCommerce can install the OPay WooCommerce plugin to add OPay checkout in minutes no custom API coding required.