Side by side
OPay vs PayPay
Both stand on peer-to-peer payment apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidAPIiPhone
OPay brings personal financial services and merchant payment integrations into one platform focused on Nigeria. Transfer restrictions apply, so check the app for current terms.
Visit OPay
Free plan AndroidiPhone
Pick PayPay if you want a free-to-register smartphone payment app with store payments, balance transfers, and additional bill and delivery functions. Check whether the stores you use participate and consider the applicable limits and mobile data charges; merchants should also review the payment fees and Lite Plan conditions.
Visit PayPayThe facts
| OPay | PayPay | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, API, iPhone | Android, iPhone |
| Lowest paid plan | Free or on request | PayPay My Store Lite Plan: $1,980 per store a month |
| Plans published | 1 | 2 |
| Maker | Not published | PayPay |
| Website | opayweb.com | paypay.ne.jp |
| On peer-to-peer payment apps | #6 of 24 | #10 of 24 |
OPay: what it does well
- Supports transfers, bill payments, and airtime top-ups.
- Active debit cards have zero maintenance fees.
- Offers several savings options, including OWealth.
- Merchant integrations include REST APIs and WooCommerce.
- Customer service is available 24/7.
What to know first
- Transfers and bills remain subject to limits and restrictions.
- Listed card acceptance is limited to Nigerian platforms.
- Free transfer terms may change; check the app.
PayPay: what it does well
- Available on both Android and iOS.
- Supports barcode and QR-code payments.
- Send balance to friends and family.
- Instant, tracked, and scheduled transfers are listed.
- Earn PayPay Points on purchases, according to PayPay.
What to know first
- Acceptance varies by participating store.
- Mobile data use incurs charges.
- Payment, top-up, and transfer limits apply.
- A smartphone capable of receiving SMS verification is required.