Opay Login – Account Opening – Opay Error Codes

Opay Login – Opay,  founded in Nigeria in 2018 began as a straightforward mobile payment platform and has now developed into a financial titan. They now offer a wide range of financial and internet-based services that go beyond just payments and are revolutionizing the industry.

Opay’s mobile wallet and digital payment solutions enable you to do almost everything with your phone, which is what it is best known for. They have made it exceedingly simple to send money, pay bills, buy, and access a variety of goods and services. It’s like carrying a digital bank around with you at all times.

Opay has expanded into additional financial services including lending and savings, allowing consumers access to even more financial resources. All of them focus on ensuring that financing is available to everyone.

Additionally, Opay’s phenomenal expansion and huge expenditures have not gone unnoticed. They are creating a stir in the African fintech industry and paving the way for Nigeria’s future in digital finance. Opay’s presence makes the financial future appear optimistic.


Features of Opay

Money Transfers: Users of Opay can send money to friends and relatives both inside and outside of Nigeria by using this service. This service is highly helpful for remittances because many Nigerians work abroad and send money to their family.

Digital Loans: Opay offers easy access to small loans for anyone who need it through its online lending services. Because the app is often used to process them, users may easily apply for and receive funds for these loans.

Investments and Savings: Opay has created investment and savings services that allow users to make purchases using the app while earning interest on their balances. This promotes financial inclusion by encouraging people to save money, grow their wealth, and invest.

Services for Insurance: Opay is one fintech business that has collaborated with insurance providers to provide services for insurance on its platforms. This may include several types of insurance coverage, such as health, life, and auto insurance.

Mobile Wallet and Payments: Opay is a mobile wallet service that enables users to keep money digitally. Users can deposit funds into their wallets, then use the remaining balance to pay for items like retail transactions, mobile phone top-ups, and utility payments.

Wealth management: To help consumers save more money, Opay may offer wealth management services like portfolio management and investment advice.

Online and In-Store Payments: Opay users can pay for goods and services both online and in-person by scanning QR codes or using the smartphone app. This makes it easier for businesses and customers to use cashless transactions.

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Opay Account Opening Requirements

To successfully open an Opay account, make sure you have the following intact;

  • Name
  • A phone number
  • Opay App

To upgrade to the subsequent account levels on Opay, the following will be required:

  • Email
  • BVN
  • Utility bill
  • Valid ID
  • Passport Photograph

How to Create Opay Account – Mobile App

To create an Opay account through the mobile app, follow the steps below;

  • Download the Opay App from the Google Playstore or App Store
  • Launch the App
  • Tap the ‘Create a New Account’ option
  • Enter your Phone Number
  • Tap Get OTP and enter the 6 digits sent to your phone.
  • Enter promo code (if available).
  • Complete your account opening process
  • Add money to your Opay account


Your Opay Account Number is usually your phone number excluding (without) the first 0”

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Opay Login with Gmail

To login to OPay with an email address, you need to follow these steps:

  • Open the OPay app on your device.
  • On the login screen, click on the “Email” button.
  • Enter the email address associated with your OPay account.
  • Click on “Next.”
  • Enter your OPay account password.
  • Click on “Login.”

If the email and password you entered are correct, you will be logged in to your OPay account.

Opay Login – Web Version

To gain access to your Opay account using a web browser on your mobile phone or computer, follow the steps below;

  • Visit aggregator.opayweb.com
  • Enter your Email Address
  • Enter your password
  • Click on Login

Opay Transaction Limit

The minimum deposit on Opay is ₦100. This is the least amount of money you can add to your Opay account through cash or USSD. However, you can transfer less than ₦100 through bank transfer.

Opay maximum deposit depends on the account level. The maximum amount that can enter the OPay account includes the following:

  • Tier 1: ₦50,000
  • Tier 2: ₦200,000
  • Tier 3: ₦5,000,000

OPay Error Codes

Below is a list of potential problems that OPay APIs and/or SDKs may return.

09time out
90system failure
91refund error, please try again later
96search order error, please try again later
97create checkout session failed
98Invalid request header with request Id
99request channel parameters are not valid
5Do not honour
13Invalid Amount
51Insufficient funds
54Expired card
57Transaction not permitted to cardholder
62Restricted card

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