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.
OPay publishes 3 APIs on the APIs.io network: Cashier API, Payments API, and Refunds API. Tagged areas include Payments, Mobile Money, Fintech, Super App, and Nigeria.
OPay’s developer surface includes authentication, developer portal, documentation, getting-started guide, API reference, sandbox, signup flow, and 23 more developer resources.
Regulatory Posture applies to this provider. Its tags matched the
Payments regime, so
Regulatory Posture carries 15 points of the composite.
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applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it
carries 10 points of the composite. It is scored from the published contracts
themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already
holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in
front of it, and the first time that check is skipped a duplicate record is created.
Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet,
not penalised by it.
The six quality facets above are damped to 75 points between them,
because the conditional facet above carries the other
25. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 75% of its nominal
weight, not 100%. The full arithmetic is at apis.io/rating/.
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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...
Hosted, OPay-branded checkout page returned via cashier/create — customers complete payment on OPay-managed UI and are redirected back to the merchant returnUrl.
3DS Card Payments
Direct server-to-server card acceptance with 3-D Secure step-up (REDIRECT_3DS nextAction) for Nigerian and international card schemes.
Bank Transfer
Generate a dynamic virtual account (transferAccountNumber + transferBankName) per order; OPay reconciles inbound transfer and settles the merchant.
Bank USSD Payment
Customer pays by dialling a *USSD* code on their mobile phone; common in Nigeria where USSD banking is dominant.
Bank Account Payment
Direct debit from the customer's bank account.
POS Payment
Card-present payment from an OPay POS terminal.
OPay Wallet QR Payment
Customer scans a QR code in the OPay app to pay from their wallet.
Reference Code Payment
Customer pays at an OPay agent using a reference code.
Refunds
Full or partial refunds with refund status query.
Payment Status Query
Synchronous query for order status by merchant reference or OPay orderNo.
Callback Webhooks
Server-to-server callback notifications on terminal transaction state changes (SUCCESS, FAIL, CLOSE), signed and retried by OPay.
HMAC-SHA512 Signature Authentication
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.
Sandbox Environment
testapi.opaycheckout.com sandbox with trigger-error-by-amount testing.
WooCommerce Plugin
Drop-in WooCommerce plugin for WordPress storefronts.
PHP Gateway SDK
Official open-source PHP gateway library at github.com/opay/lib.gateway.php.
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