OPay is one of the most advanced payment processing technology services. They offer a comprehensive suite of solutions to satisfy merchants’ varied core business, products and services enabling multiple payment options. OPay platform was developed to provide easy integration with most of their merchants’ applications. 

They can also provide a selection of payment methods to suit your core business needs based on the payment mode and the collection volume you’re used to every month. With the digital payments, you can: 

• Add multiple products to your account in your merchant area. 
• Invoices: Create invoices, and directly send them to your customers. 
• Combine your existing e-commerce software with express checkout solutions. 
• Build your checkout system and connect with our payment gateway using server-side APIs. 

OPay payment authentication  

OPay payment flow was created to ensure merchant payments were secured and verified. OPay APIs leverage cutting-edge cryptographic primitives to provide best-in-class authentication and fraud mitigation. OPay APIs are encrypted by API keys which you will be provided when setting up your merchant account automatically. Depending on the type of API call you want to make, one of the following two authentication methods must be used: 

• Public key authentication: Used in payment creation API (Cashier Create Payment). 
• Signature Auth: For other payment APIs (Cashier Payment Status, Cashier Refund, Cashier Payment Close). 

They offer a full-fledged sandbox staging environment for the ease of our merchants and the security of each merchant’s OPay integration. You can access the OPay staging environment while you are launching your integration or if you want to test out OPay’s latest additions. You will be able to make purchases with your own OPay integration in staging mode. This way you can validate your integration logic before launching it into production mode without making actual purchases. Here’s a sample set of cards that they offer to try different use cases for payments. Remember that you are only allowed to test these cards within your OPay account and for no actual transactions. In the same way, real card numbers won’t show up in your staging environment. 

Using Opay for everyday transactions  

They include:

Money transfers

Navigate to the app and tap “Transfer”. 

• Choose to withdraw to another Opay wallet or bank account. 
• Fill out the recipient information, make the payment and approve the transaction with your PIN. 

Paying bills 

• Go to the “Bills” tab in the app. 
• Select what kind of bill you are looking for (e.g., electricity, cable TV, water). 
• Login to the account, check the amount and make a secure payment. 
• Airtime and data purchases  
• Go to “Airtime” or “Data” in the app. 
• Select your network provider and the amount. 
• Make the purchase and instant credit will be given. 

Savings and loans  

• Savings: Navigate to the “Savings” section to select flexible or fixed term savings. 
• Create targets and get low rates. 
• Loans: Visit the “Loans” page, verify and apply for instant loans. 

Requesting an Opay debit card  

• Head to the “Card” tab in the app. 
• Ask for either a physical debit card (for ATM withdrawals and cash-in-store) or a virtual card (for online payments). 
• Deliver and activate as directed. 

Closing your Opay account  

• Take out what’s left of your wallet. 
• Call customer service on the app or send an email. 
• Request for deactivation of account and follow onscreen instructions. 

Why use Opay  

• Facilitation: Track your money at, anyplace, any time. 
• Fee-less: Less expensive payments than the banks. 
• Financial inclusion: Wider availability of savings and credit to low-income groups. 
• POS/Single application: Single application for payments, transfers, savings and more. 

Take away

In this guide, you can get Opay up and running so you can do what you need to do with your money. You want to send money, pay bills or save for a rainy day with Opay, it’s easy and fast.

You may also find these articles helpful

Trading with VeChain- full guide

Advantages and disadvantages of FTX Token

Trading with Internet Computer – full guide