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PayPay

PayPay

Japanese Mobile Payments

VS

OPay

Nigerian Super-App

OPay
Fees from
From 1.6% per transaction vs 1.5% per transaction
Features

1 shared

1 unique to PayPay
Regions

0 shared

1 unique to PayPay · 1 unique to OPay
Pay methods

3 shared

3 unique to OPay
On fees

PayPay publishes From 1.6% per transaction from. OPay publishes 1.5% per transaction from. Verify directly with each provider before signing.

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Show full specs
2 features · 6 payment methods · 2 regions. We don't rank these — they're here for reference.
PayPay PayPay
OPay OPay
Quick Facts
Fees
Standard transaction rate
From 1.6% per transaction
1.5% per transaction
Settlement
Time to receive funds
Next business day
Next business day
Founded
2018
2018
Headquarters
Tokyo, Japan
Lagos, Nigeria
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
PayPay leads (2 vs 1)
Instant Payout
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
OPay leads (6 vs 3)
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Mobile Wallet
✓
✓
Qr Code
✓
✓
Ussd Unique
—
✓
Regions
Africa Unique
—
✓
Asia Unique
✓
—

PayPay is best when you...

Japanese Mobile Payments
Need Startup Friendly
Not available with OPay
Want coverage in Asia
OPay doesn't cover this region
View PayPay

OPay is best when you...

Nigerian Super-App
Want coverage in Africa
PayPay doesn't cover this region
View OPay

Frequently Asked Questions

What is the difference between PayPay and OPay?
They share 3 payment methods and 0 regions. OPay adds Credit Card, Debit Card, USSD that PayPay does not list; PayPay also covers Asia; OPay also covers Africa; only PayPay offers Startup Friendly.
Which is cheaper, PayPay or OPay?
PayPay has published rates from From 1.6% per transaction; OPay has published rates from 1.5% per transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayPay and OPay?
PayPay lists 1 region and 3 payment methods; OPay lists 1 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayPay and OPay compare on integration and settlement?
both offer a sandbox; both support webhooks; PayPay settles in Next business day, OPay in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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