Qitero Qitero

OPay

Country: Nigeria (NG)  |  Payment Rail: real_time_payment

DigitalWallet Market Adoption: 35%

OPay is a leading mobile wallet in Nigeria, providing high-success transfers, digital checkouts, bill payments, and offline retail services.

🔄 User Payment Flow

  1. Merchant redirects customer to OPay checkout page
  2. Customer enters their mobile wallet phone number
  3. Customer receives and enters the SMS verification OTP
  4. Customer completes transaction by entering their secure 6-digit transaction PIN

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant triggers transaction charge to PSP
  • PSP triggers OPay wallet authorization flow
  • PSP routes captured status webhook callback to merchant database

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 dLocal🔌 Paystack