OPay: App, Login, Loan Code, Care, How to Borrow (2023)
Navigate the OPay app with ease! Learn the OPay login process, how to use the USSD code, and how to borrow money from OPay with our guide.
Launched in 2018 by Opera Software, OPay has quickly become a top-notch fintech company in Nigeria, reshaping digital transactions.
The user-friendly OPay app for Apple IOS and Google Android, gaining popularity in Nigeria’s tech-savvy environment, caters to daily financial needs, from transfers and payments to quick loans, such as how to borrow money from OPay using your BVN or NIN.
The OPay login procedure grants you easy access to digital transactions. Plus, the OPay USSD code *955#, also known as the OPay Loan Code, allows service use without an internet connection.
This guide provides a comprehensive understanding of OPay’s operations in Nigeria, highlighting its many features and potential troubleshooting.
So, let’s get started!
Table of Contents
What is OPay?
OPay has continued to proliferate in Nigeria, and firstly we need to understand OPay overall.
What is OPay?
OPay is a comprehensive digital payment platform designed to streamline financial transactions. It provides various services, from making payments, buying airtime, transferring funds, and quick loans to ordering food and transport services.
Who Owns OPay?
OPay is a product of the Opera Group, a Norway-based company renowned for its Opera browser. With its headquarters in Beijing, the Opera group is committed to providing high-quality internet services globally.
Is OPay a Bank?
While OPay offers many services you would associate with a bank, it isn’t a bank in the traditional sense. It’s a fintech company that leverages mobile technology to provide banking and financial services to its users.
OPay Login and Getting Started
OPay Login
There are multiple ways to log in to OPay:
1. OPay Login with Number via the OPay App
Download the app from the Google Play Store or Apple App Store, and enter your registered phone number and password to log in.
2. OPay Login via OPay USSD Code
Dial the OPay USSD code *955# from your registered phone number, and follow the prompts to access your account.
3. OPay Login via the OPay Website
Visit the OPay Website and navigate to the OPay Dashboard Login under ‘Business’ / ‘Merchants and enter your registered email address and password to log in. You do not need a phone number here.
Remember, it’s essential to keep your login details safe to protect your account from unauthorized access.
How to Open an OPay Account?
Opening an OPay account is a breeze. You’ll need to enter your mobile number and set a secure password. An OTP will be sent to your number for verification. Once verified, provide the necessary personal details and set up your account!
Understanding Your OPay Account Number
Your OPay Account Number, also known as your Wallet ID, is the phone number you used during registration. This account number is vital as it’s used for transactions within the OPay network.
Utilizing an OPay Invitation Code
Do you have an OPay Invitation Code from an existing user? In that case, you can enter it during registration to enjoy certain benefits, such as cashback or a discount on your first transaction.
Transacting with OPay
How to use the OPay USSD Code?
The OPay USSD Code (*955#) provides a convenient way to access your OPay account without needing internet access. Dial the USSD code, and follow the prompts to transact.
How to Transfer Money to an OPay Account?
Transferring money to an OPay account is simple. Navigate to ‘Transfer’ on the app, select ‘To OPay account,’ enter the recipient’s account number and the amount, then confirm the transaction.
How Much an OPay Account Can Hold without BVN
An OPay account without a BVN can hold up to N300,000. You must provide your BVN details and complete your KYC (Know Your Customer) process to increase this limit.
How to Use the OPay App?
How to Download the OPay App
The OPay app is available on both the Google Play Store for Android devices and the Apple App Store for iOS devices. Search for ‘OPay,’ click ‘Install’ or ‘Get,’ and wait for the app to download.
How to Use the OPay App
The OPay app is designed with a user-friendly interface. After logging in, you can navigate the home screen to access different services like “Transfer,” “Airtime,” “Bills Payment,” “Betting,” “Food,” and more.
How to Borrow Money from OPay?
How to get an OPay Merchant Loan?
- Open the App: Launch the OPay User App, and find ‘Merchant Loan‘ offering short-term loans at 3% interest and long-term loans up to 15% interest.
- Review the Terms: Understand the terms of service; the more active on OPay, the lower the interest.
- Agree to the Terms: If the terms suit you, proceed to ‘Merchant Loans Credit Limits.’
- Select the Loan Type: Choose your desired loan type and follow the application steps.
- Stay Active on OPay: Keep transacting on OPay to lower future interest rates.
How to Borrow Money from Okash Loan?
You can use the Okash Loan App or the USSD OPay Loan Code.
- Okash App: Download the Okash app from the Play Store or App Store. Once installed, you can register using your mobile number and complete your details, including your card and bank account,
- OPay Loan Code: If you already have an OPay account, dial the USSD code *995# from your mobile phone and follow the relevant prompts to apply for a loan.
Understanding the OPay Loan Code
The OPay Loan Code is the USSD code that gives you access to OPay’s loan service. By dialing *955#, you can follow the prompts to apply for a loan.
How to Get OPay POS?
Ease into a world of seamless transactions by obtaining an OPay POS. Discover its cost-effective pricing and experience a revolution in your business operations.
How to Get OPay POS
To get an OPay POS, apply through the app or the website. An agent will contact you to guide you through the process, including KYC verification and commission rate agreement.
The Price of an OPay POS Machine
The cost of an OPay POS machine varies based on your location and the specific model you choose. You may need to contact OPay’s customer service for the current pricing details.
OPay Customer Care
OPay’s customer service is always ready to assist you and is available 24/7. You can reach them in different ways.
OPay Customer Care Number
- Call +234 700 888 8328 (App & Card queries)
- Call +234 700 888 8329 (POS Business queries)
- Chat on Whatsapp with +2349165998936
- Email: customerservice@opay-inc.com
How to Make a Complaint to OPay
You can file a complaint through the app by going to ‘Profile,’ selecting ‘Help & Feedback,’ and detailing your issue. Alternatively, you can contact customer service directly through their hotline or email.
Troubleshooting OPay
How to Unlock Your OPay Account
If your OPay account gets locked due to incorrect password attempts, you can unlock it by clicking on ‘Forgot password’ and following the prompts to reset your password.
How to Delete Your OPay Account
Deleting your OPay account requires contacting customer support. Provide them with the necessary details, and they will guide you through the process.
FAQs: OPay App, Login, Loan Code & Care
Conclusion
In conclusion, OPay has revolutionized Nigeria’s digital financial scene with the OPay app. Its user-friendly interface, easy OPay login, and practical OPay Loan Code simplify transactions.
Moreover, understanding how to borrow money from OPay is a breeze. Armed with this guide, you’re now ready to unlock the full potential of the OPay platform.
Here’s to simpler and smarter transactions!
DecodeNaija Blog
If you’re looking for more ideas like this, then be sure to read our blog at DecodeNaija.
Here you’ll find even more guides to help you get started with ideas and hacks on business, finance, and lifestyle, like our recent article on How to Make Money Online.
So don’t wait any longer – take the plunge!
