# OPay

**Canonical:** https://apis.io/providers/opay/  
**Website:** https://www.opayweb.com/  
**APIs profiled:** 3

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.

## Kin Score — 34.4 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 34.4).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 56.6 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 59.5 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 36.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (3)

- **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...
- **OPay Payments API** — Server-to-server payment creation across payment methods.
- **OPay Refunds API** — Refund creation and status.

## Agentic access (1)

- **Opay Agentic Access** — 5 operations · 5 acting

## Security (2)

- **Opay Authentication** — http · 1 scheme
- **Opay Domain Security** — TLSv1.3

## Use cases (8)

- **Nigerian E-commerce Checkout** — Accept local payment methods (card, bank transfer, USSD, OPay wallet) on Nigerian e-commerce sites via Express Checkout or server APIs.
- **Cross-Border Online Merchants** — Sell into Nigeria from international storefronts via OPay International APIs.
- **Marketplace Payouts** — Pay agents, riders, and sellers via OPay transfers.
- **Bill Payment & Airtime Aggregation** — Top up airtime/data and pay utility bills from within partner apps.
- **Wallet Top-Up** — Fund OPay wallets from cards or bank transfers.
- **Buy-Now-Pay-Later Checkout** — Offer BNPL via OBuy / OPay Easy Buy at checkout.
- **Agent Banking & Cash-In/Cash-Out** — Leverage the OPay agent network for cash deposits and withdrawals.
- **POS Acceptance** — Card-present acceptance via OPay POS terminals.

## Tags

Payments, Mobile Money, Fintech, Super App, Nigeria, Africa, Wallets, Savings, BNPL, Bank Transfer, Card Payments, USSD, Agent Banking, Point-of-Sale, Bill Payments, Airtime, Cashier, Checkout, Merchant Acquiring

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/opay/). Scores are computed from the provider's own public artifacts under a published rubric.