OPay

aid: opay
name: OPay
description: 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.
type: Index
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/opay.png
tags:
- Payments
- Mobile Money
- Fintech
- Super App
- Nigeria
- Africa
- Wallet
- Savings
- BNPL
- Bank Transfer
- Card Payments
- USSD
- Agent Banking
- POS
- Bill Payments
- Airtime
- Cashier
- Checkout
- Merchant Acquiring
url: https://raw.githubusercontent.com/api-evangelist/opay/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.20'
apis:
- aid: opay:opay-cashier-api
  name: OPay Cashier API
  description: 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-server payment creation for 3DS bank cards, bank
    transfer, bank USSD, bank account, POS, OPay wallet QR, and reference code payments, plus status queries, cancel, refund,
    and refund-status operations. Authentication uses an Authorization Bearer token — the public key for cashier/create and
    an HMAC-SHA512 signature over the JSON body (signed with the merchant's private key) for all other endpoints — along with
    a MerchantId header.
  humanURL: https://documentation.opaycheckout.com/
  baseURL: https://liveapi.opaycheckout.com/api/v1/international
  tags:
  - Payments
  - Cashier
  - Checkout
  - Cards
  - Bank Transfer
  - USSD
  - Wallet
  - Refunds
  properties:
  - type: Documentation
    url: https://documentation.opaycheckout.com/
  - type: GettingStarted
    url: https://documentation.opaycheckout.com/getting-started
  - type: Authentication
    url: https://documentation.opaycheckout.com/payment-authentication
  - type: APIReference
    url: https://documentation.opaycheckout.com/server-apis-overview
  - type: Webhooks
    url: https://documentation.opaycheckout.com/payment-notifications
  - type: Sandbox
    url: https://testapi.opaycheckout.com/api/v1/international
  - type: Production
    url: https://liveapi.opaycheckout.com/api/v1/international
  - type: ErrorCodes
    url: https://documentation.opaycheckout.com/error-codes
  - type: SignatureCalculator
    url: https://documentation.opaycheckout.com/signature-calculator
  - type: OpenAPI
    url: openapi/opay-cashier-api-openapi.yml
- aid: opay:opay-payments-api
  name: OPay Payments API
  description: Server-to-server payment creation across payment methods.
  humanURL: https://documentation.opaycheckout.com/
  baseURL: https://liveapi.opaycheckout.com/api/v1/international
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/opay-payments-api-openapi.yml
- aid: opay:opay-refunds-api
  name: OPay Refunds API
  description: Refund creation and status.
  humanURL: https://documentation.opaycheckout.com/
  baseURL: https://liveapi.opaycheckout.com/api/v1/international
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/opay-refunds-api-openapi.yml
common:
- type: AgenticAccess
  url: agentic-access/opay-agentic-access.yml
- type: DomainSecurity
  url: security/opay-domain-security.yml
- type: Authentication
  url: authentication/opay-authentication.yml
- type: Website
  url: https://www.opayweb.com/
- type: Portal
  url: https://documentation.opaycheckout.com/
- type: Documentation
  url: https://documentation.opaycheckout.com/
- type: GettingStarted
  url: https://documentation.opaycheckout.com/getting-started
- type: APIReference
  url: https://documentation.opaycheckout.com/server-apis-overview
- type: Authentication
  url: https://documentation.opaycheckout.com/payment-authentication
- type: Webhooks
  url: https://documentation.opaycheckout.com/payment-notifications
- type: ErrorCodes
  url: https://documentation.opaycheckout.com/error-codes
- type: Sandbox
  url: https://testapi.opaycheckout.com/api/v1/international
- type: Signup
  url: https://merchant.opaycheckout.com/register
- type: Console
  url: https://merchant.opaycheckout.com/login
- type: Dashboard
  url: https://merchant.opaycheckout.com/login
- type: Support
  url: https://support.opaycheckout.com/support/ticket
- type: BusinessSolutions
  url: https://opaybusiness.opayweb.com/
- type: GitHubOrganization
  url: https://github.com/opay
- type: SDKs
  name: OPay PHP Gateway Library
  url: https://github.com/opay/lib.gateway.php
- type: Plugin
  name: WooCommerce Plugin
  url: https://documentation.opaycheckout.com/woocommerce
- type: PrivacyPolicy
  url: https://www.opayweb.com/privacy-policy
- type: TermsOfService
  url: https://www.opayweb.com/terms-and-conditions
- type: Twitter
  url: https://twitter.com/OPay_NG
- type: LinkedIn
  url: https://www.linkedin.com/company/opayinc/
- type: YouTube
  url: https://www.youtube.com/@OPayNigeria
- type: Facebook
  url: https://www.facebook.com/OPayNigeria/
- type: Instagram
  url: https://www.instagram.com/opaynigeria/
- type: AppStore
  url: https://apps.apple.com/ng/app/opay-mobile-money-app/id1500386156
- type: PlayStore
  url: https://play.google.com/store/apps/details?id=team.opay.pay
- type: Features
  data:
  - name: Express Checkout
    description: Hosted, OPay-branded checkout page returned via cashier/create — customers complete payment on OPay-managed
      UI and are redirected back to the merchant returnUrl.
  - name: 3DS Card Payments
    description: Direct server-to-server card acceptance with 3-D Secure step-up (REDIRECT_3DS nextAction) for Nigerian and
      international card schemes.
  - name: Bank Transfer
    description: Generate a dynamic virtual account (transferAccountNumber + transferBankName) per order; OPay reconciles
      inbound transfer and settles the merchant.
  - name: Bank USSD Payment
    description: Customer pays by dialling a *USSD* code on their mobile phone; common in Nigeria where USSD banking is dominant.
  - name: Bank Account Payment
    description: Direct debit from the customer's bank account.
  - name: POS Payment
    description: Card-present payment from an OPay POS terminal.
  - name: OPay Wallet QR Payment
    description: Customer scans a QR code in the OPay app to pay from their wallet.
  - name: Reference Code Payment
    description: Customer pays at an OPay agent using a reference code.
  - name: Refunds
    description: Full or partial refunds with refund status query.
  - name: Payment Status Query
    description: Synchronous query for order status by merchant reference or OPay orderNo.
  - name: Callback Webhooks
    description: Server-to-server callback notifications on terminal transaction state changes (SUCCESS, FAIL, CLOSE), signed
      and retried by OPay.
  - name: HMAC-SHA512 Signature Authentication
    description: 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.
  - name: Sandbox Environment
    description: testapi.opaycheckout.com sandbox with trigger-error-by-amount testing.
  - name: WooCommerce Plugin
    description: Drop-in WooCommerce plugin for WordPress storefronts.
  - name: PHP Gateway SDK
    description: Official open-source PHP gateway library at github.com/opay/lib.gateway.php.
- type: UseCases
  data:
  - name: Nigerian E-commerce Checkout
    description: Accept local payment methods (card, bank transfer, USSD, OPay wallet) on Nigerian e-commerce sites via Express
      Checkout or server APIs.
  - name: Cross-Border Online Merchants
    description: Sell into Nigeria from international storefronts via OPay International APIs.
  - name: Marketplace Payouts
    description: Pay agents, riders, and sellers via OPay transfers.
  - name: Bill Payment & Airtime Aggregation
    description: Top up airtime/data and pay utility bills from within partner apps.
  - name: Wallet Top-Up
    description: Fund OPay wallets from cards or bank transfers.
  - name: Buy-Now-Pay-Later Checkout
    description: Offer BNPL via OBuy / OPay Easy Buy at checkout.
  - name: Agent Banking & Cash-In/Cash-Out
    description: Leverage the OPay agent network for cash deposits and withdrawals.
  - name: POS Acceptance
    description: Card-present acceptance via OPay POS terminals.
- type: Integrations
  data:
  - name: WooCommerce
    description: Official OPay WooCommerce plugin for WordPress.
  - name: Opera Browser
    description: OPay was originally incubated inside Opera Limited and integrates with Opera browser payment flows.
  - name: Visa
    description: Card acquiring on the Visa network.
  - name: Mastercard
    description: Card acquiring on the Mastercard network.
  - name: Verve
    description: Card acquiring on the Nigerian Verve network.
  - name: Nigerian Interbank Settlement System (NIBSS)
    description: Bank transfer rails and USSD banking via NIBSS.
  - name: Wema Bank
    description: Partner bank for virtual-account bank-transfer settlement (referenced in API responses).
- type: Solutions
  data:
  - name: OPay Personal App
    description: Consumer super-app for wallet, transfers, OWealth savings, debit card, bill pay.
  - name: OPay Business
    description: Merchant suite — Cashier API, POS terminals, agent banking, payouts.
  - name: OWealth
    description: Daily-interest savings powered by OPay Microfinance Bank Limited (CBN licensed, NDIC insured).
  - name: OPay Debit Card
    description: Instant-issuance debit card accepted on ATM, POS, and online.
  - name: OBuy / OPay Easy Buy
    description: Buy-now-pay-later product for OPay app users.
  - name: OPay POS
    description: POS terminal network for merchants and agents.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com