OPay
OPay is a Nigerian mobile money and fintech super-app operated by Blue Ridge Microfinance Bank (OPay Digital Services Limited) and majority-owned by Opera Limited with backing from SoftBank Vision Fund 2, Sequoia China, DragonBall Capital, and 9F Group. Launched in 2018 and headquartered in Lagos, OPay serves tens of millions of Nigerian consumers, merchants, and agents with wallet accounts, free interbank transfers, the OPay Debit Card, OWealth (daily-interest savings powered by OPay Microfinance Bank), bill payments, airtime/data top-ups, BNPL (OBuy / OPay Easy Buy), and the OPay POS / agent banking network. For developers and merchants, OPay exposes the OPay Cashier / OPay Checkout API — a REST API for accepting payments via 3DS bank cards, bank transfer, USSD, bank account, POS, OPay wallet QR, and reference codes, with hosted Express Checkout, server-to-server APIs, callback webhooks, refund and query operations, a PHP gateway SDK, and a WooCommerce plugin. Sandbox and production environments are available at testapi.opaycheckout.com and liveapi.opaycheckout.com, with HMAC-SHA512 signature authentication and per-merchant public/private key pairs issued from the OPay merchant dashboard.
APIs
OPay Cashier API
The OPay Cashier API is the primary merchant payment API behind OPay Checkout. It exposes a hosted Express Checkout endpoint (cashier/create returning a cashierUrl), server-to-s...
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OPay Cashier API
OPENFeatures
Hosted, OPay-branded checkout page returned via cashier/create — customers complete payment on OPay-managed UI and are redirected back to the merchant returnUrl.
Direct server-to-server card acceptance with 3-D Secure step-up (REDIRECT_3DS nextAction) for Nigerian and international card schemes.
Generate a dynamic virtual account (transferAccountNumber + transferBankName) per order; OPay reconciles inbound transfer and settles the merchant.
Customer pays by dialling a *USSD* code on their mobile phone; common in Nigeria where USSD banking is dominant.
Direct debit from the customer's bank account.
Card-present payment from an OPay POS terminal.
Customer scans a QR code in the OPay app to pay from their wallet.
Customer pays at an OPay agent using a reference code.
Full or partial refunds with refund status query.
Synchronous query for order status by merchant reference or OPay orderNo.
Server-to-server callback notifications on terminal transaction state changes (SUCCESS, FAIL, CLOSE), signed and retried by OPay.
All non-cashier-create endpoints authenticate via a SHA-512 HMAC signature over the JSON body using the merchant's private key, plus a MerchantId header.
testapi.opaycheckout.com sandbox with trigger-error-by-amount testing.
Drop-in WooCommerce plugin for WordPress storefronts.
Official open-source PHP gateway library at github.com/opay/lib.gateway.php.
Use Cases
Accept local payment methods (card, bank transfer, USSD, OPay wallet) on Nigerian e-commerce sites via Express Checkout or server APIs.
Sell into Nigeria from international storefronts via OPay International APIs.
Pay agents, riders, and sellers via OPay transfers.
Top up airtime/data and pay utility bills from within partner apps.
Fund OPay wallets from cards or bank transfers.
Offer BNPL via OBuy / OPay Easy Buy at checkout.
Leverage the OPay agent network for cash deposits and withdrawals.
Card-present acceptance via OPay POS terminals.
Integrations
Official OPay WooCommerce plugin for WordPress.
OPay was originally incubated inside Opera Limited and integrates with Opera browser payment flows.
Card acquiring on the Visa network.
Card acquiring on the Mastercard network.
Card acquiring on the Nigerian Verve network.
Bank transfer rails and USSD banking via NIBSS.
Partner bank for virtual-account bank-transfer settlement (referenced in API responses).
Solutions
Consumer super-app for wallet, transfers, OWealth savings, debit card, bill pay.
Merchant suite — Cashier API, POS terminals, agent banking, payouts.
Daily-interest savings powered by OPay Microfinance Bank Limited (CBN licensed, NDIC insured).
Instant-issuance debit card accepted on ATM, POS, and online.
Buy-now-pay-later product for OPay app users.
POS terminal network for merchants and agents.