About
OPay is a Nigerian app-based wallet run by OPay Digital Services Limited, licensed by the Central Bank of Nigeria as a mobile money operator, with deposits insured by the NDIC. Each user gets an account that can be funded by bank transfer, linked card or cash at OPay's POS agents, and used for transfers to any Nigerian bank, bills, airtime and online payments through OPay Checkout. The business grew out of PayCom Nigeria after a 2018 takeover backed by Opera. Its merchant POS network is what sets it apart: it had over 500,000 agents by 2023 and around 10 million daily active users in 2024.
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