Customers of Nigeria-based businesses have the option of making their payments with their OPay account. is a financial technology company that provides diverse financial services through a mobile app. It offers mobile payments, transportation, food delivery, and more solutions.
To make a payment via the Pay with OPay channel, all you need to do is follow these steps:
Step one: Choose the ‘OPay Digital Services Limited (OPay)’ under the Pay with Bank option on the Paystack Checkout.
Step two: Click the ‘Authenticate’ button to be redirected to your OPay account to complete the payment. You may need to log into your OPay account with your OPay account number and password. A verification code will also be sent to your registered OPay phone number to authenticate the payment.
There are two possible payment flows with the Pay with OPay channel:
- You will be redirected to complete the payment via the OPay mobile app if you have the app on your mobile phone and you choose to pay with it;
- Or you will be redirected to the OPay web app if you aren’t paying with your mobile phone or do not have the mobile app on your phone.
Paystack transactions made via your OPay account will either appear as ‘Certpay’ or ‘Merchant consumption’ on your OPay transaction list.
Your transaction will appear as ‘Certpay’ if you complete the payment via the web app. You will see more details about the transaction when you click on it.
Your transaction will appear as ‘Merchant consumption’ if you complete the payment via the mobile app. You will see more details about the transaction when you click on it.
Can customers make recurring payments with the Pay with OPay channel?
It's currently not possible for customers to make recurring payments with the Pay with Bank payment channel.
What are the transaction charges for the Pay with Bank channel?
- The charge per transaction is 1.5% + NGN 100
- The NGN 100 is waived for transactions below NGN 2,500. This means that for transactions below NGN 2,500, the charge will be 1.5% only.
- Fees are capped at NGN 2,000, meaning no transaction will be charged more than NGN 2,000.