OPay POS Machine Price in Nigeria ▷ Charges List (Apply Now)

Are you interested in knowing OPay POS machine price in Nigeria and how to apply and get as an agent for business, the transaction charges list, and commission structure?

If YES, this article is only what you need to read today.

There are over 11 POS available in Nigeria.

Since FinTech companies and banks introduced POS, the business has become very profitable that one could venture into and start earning money daily easily because Nigerians don’t enjoy going to banks to make money-transactions.

In Nigeria, you can start a POS business with ₦50,000 and earn money daily.

First Bank and GTBank are the best banks in Nigeria to get a POS machine.

Getting started…

OPay POS Machine Price in Nigeria

OPay is a one-stop mobile-based platform used by millions of people to send and receive money, transportation, bills payment, and order food and groceries online.

With a passionate team, sophisticated mobile platform, and a fast-growing community of users, OPay is making financial services more efficient for millions of users.

OPay POS agent is the best in Nigeria.

OPay POS Advantages

Here are the reasons agents use OPay POS:

  • Reliable
  • Low pricing and fair commission
  • Excellent network reliability
  • Instant settlement
  • Great customer support and constant network updates.

OPay Uses

1. Bills and Utility Payments

Pay your bills with no convenience fee from the comfort of your homes, or on your way to work.

You can pay for an unlimited number of bills from cable TV, electricity, water, education, toll, tax, and many more.

2. Agent Banking Services

You can open the app to find the nearest agent to make withdrawals.

You can also perform other financial services at the agent’s location.

3. Peer-to-Peer Transfers

Easily send and receive money from friends and family on your contacts for free.

The wallet to wallet payment is a fast and secured way to send and receive money with just your phone number.

4. Betting Payments

Top up your betting wallet directly from your OPay account.

You can also withdraw your bet winnings directly into your OPay account without hassle.

5. Rewards and Vouchers

When you use OPay, you’ll earn cash backs and rewards.

6. POS Service

OPay payments have been extended to point of sale terminals at various agent locations for cash withdrawals, transfers and much more.

Business owners can request for POS terminals and get it deployed to their location with no fees.

7. Fast and Secure Transfers

With your OPay account, you can send and receive money in real time from any bank for as low as ₦10.

8. Merchant QR Payments

You can now scan QR codes with your mobile phone at Merchant locations to pay seamlessly. No fees.

How to become an OPay POS Agent in Nigeria

Here are the eligibility requirements to become an OPay agent in Nigeria:

  • Have an OPay account.
  • Have BVN, bank account number, recent utility bill, passport photo, business centre and valid ID card.
  • You must be familiar with how multiple transactions are being carried out using a POS machine.
  • You must have had a good transaction history on your OPay account.
  • You must be familiar with the transaction patterns and user interface of the OPay App.
  • Complete high volume of transactions within four weeks of using the OPay App.

How to Request for OPay POS Machine

Here are the steps to become an OPay agent and get a POS machine successfully:

1. Upgrade KYC Level to Level 3

If you’re already an active OPay user, you’ll definitely be a Level 2 user, but before you can get an OPay POS, you must first upgrade your KYC level to ‘Merchant Level’ (level 3) to be eligible.

Steps to upgrade your OPay Profile to KYC Level 3:

  • Log into your OPay Account, then click on Me (Your profile).
  • Click the picture icon (top left) to go to Account Details.
  • Click Upgrade to Level 3.
  • Upload your picture.
  • Upload a valid ID Card (International Passport, Voters’ Card, National ID or Driver’s License).
  • Upload a recent utility bill (NEPA bill).
  • Upload your BVN.
  • Submit for review.

It takes 24-72 hours for the OPay team to review and approve/decline your KYC.

You will receive email and SMS notifications once you’re approved.

2. Switch Profile to Merchant

Once your profile is upgraded to KYC 3, switch your profile to Merchant.

  • Log into your OPay Account, then click on Me (Your profile).
  • Click the picture icon (top left) to go to Account Details.
  • Click Upgrade to Merchant.
  • Fill your Business Information and click Next.
  • Fill the required information.
  • Click Upgrade.
  • The OPay Team will review and approve/decline your request.

3. Merchant Application

Once you have upgraded to KYC level 3 and you have switched your OPay profile to Merchant, go to ‘Merchant Apply’ and request for an OPay POS Machine in Nigeria.

  • Log in to the OPay app on your device.
  • Choose the ‘Merchant Apply’.
  • On the next page, enter all the information as requested.
  • Upload your transaction history for the past 3 months.
  • Upload a valid ID Card (International Passport, Voters’ Card, National ID or Driver’s License).
  • Take a picture of your business centre and upload to the portal.
  • Submit for review.
  • The OPay team reviews and approve/decline your request.

How to get OPay free POS in Nigeria

To become an OPay agent, you only need to visit the app store, download the app, and sign up “to become an agent”. The sign-up is free.

How to Download the OPay App?

For Android, download the OPay App on Google Playstore.

For iOS, download the OPay App on Apple Store.

OPay Business App Benefits

With OPay business app, you can:

  • Know your best-selling products.
  • Know your regular customers in terms of high paying and frequency of visits.
  • Monitor sales in real time.
  • Receive notifications about your stock and inventory.
  • Send birthdays and wedding anniversary greetings to your clients.
  • Send receipt as SMS.
  • Send receipt via WhatsApp.

Types of OPay Merchants

  • Regular
  • Platinum
  • Gold
  • Silver

Types of OPay POS Machine in Nigeria

These are the three types of OPay POS machine in Nigeria:

  • OPay Smart (Android) POS
  • OPay Traditional POS
  • OPay Mini POS

Difference between OPay Traditional POS and OPay Mini POS

  • OPay Mini POS is cheaper than OPay Traditional POS.
  • OPay Mini POS doesn’t print receipts except you buy and connect an external printer, while OPay Traditional POS can print receipts.
  • You need to connect OPay Mini POS with your android phone via Bluetooth for you to use it, while you don’t need a phone to operate OPay Traditional POS.

How Much is OPay POS Machine?

Here are the current prices of OPay POS machine in Nigeria:

  • OPay Smart (Android) POS cost ₦60,000
  • OPay Traditional POS cost ₦45,000
  • OPay Mini POS cost ₦20,000

After applying for OPay POS as an agent, you’ll receive the device within 24-72 hours, depending on your location in Nigeria.

How to Operate and Activate OPay POS

  • Insert a SIM card that has active data subscription to the POS.
  • Power the POS on and use your ATM to perform a withdrawal/cash out on it.
  • If the transaction is successful, login to your OPay app and check if you are credited for the transaction. If yes, that means you can start using the POS.

How to Reset Password on OPay

Here are the steps to reset your OPay password:

  • Click on forget password
  • An OTP will be sent
  • Input the OTP
  • Enter your new password and confirm the new password

How to Reset Payment PIN on OPay Business App

  • Click on business icon on the home page
  • Click on settings at the top right corner
  • Click on Security Settings
  • Then click on Payment PIN
  • Click on Forgot Payment PIN
  • Verify code sent to your app number
  • Set a new PIN and reconfirm

How to Download Statement of Account on OPay

  • Login to your app
  • Click on ‘Me’
  • Click on transaction details
  • Click on the three dots on the top right corner
  • Select download
  • Choose the date
  • Click on Next
  • Enter your payment PIN

What do I do when I receive an error in my POS?

The following errors are possible to occur on your POS:

  • Communication error
  • SSL Connection failure
  • Wave lost. Try Again.

To troubleshoot these errors, please turn off the POS for about one minute, then turn it back on and try again.

If you still have the same problem, please send a screenshot of the error message to the WhatsApp group created by the OPay Team for businesses.

The team will reach out to you and help solve the error.

What do I do when a transaction is made via the POS but I do not see the funds credited in my wallet?

Please report this immediately in the Support tab in the OPay app.

Remember to include the transaction number and a screenshot of the transaction receipt.

How long does it take for a reversal to happen?

Reversals on the system happen instantly to the cardholder’s account.

What do I do if my POS shows that the reversal is approved but cardholder’s account is still debited?

Please request for the cardholder to resolve this with their bank.

Please ensure that the reversal process completes before pulling out the user’s card, as this could lead to the POS not being able to read the card or its associated account details.

OPay POS Charges and Commission Structure

As an agent, OPay will pay you a commission/bonus from transaction charges and the amount of commission you get will be determined by your current level (the total amount of withdrawal you do monthly).

Commission is being paid into the merchant’s account, reflects immediately after the transaction and merchants can cash out their commission anytime they want.

These are OPay POS transaction charges:

  • For withdrawals below ₦20,000, OPay charges 0.5% of the transaction amount.
  • For withdrawal above ₦20,000, OPay charges a flat rate of ₦100.
  • For deposit from ₦5000 and below, OPay charges a flat rate of ₦10.
  • For deposit from ₦5,001 to ₦10,000, OPay charges a flat rate of ₦20.
  • For transfer above ₦10,000, OPay charges a flat rate of ₦30.

These are OPay POS commission structure for Data Top Up:

  • MTN = 3% commission
  • Glo = 4% commission
  • 9Mobile = 4.5% commission
  • Airtel = 4% commission

These are OPay POS commission structure for TV Subscription:

  • DStv = 2% commission
  • GOtv = 2% commission
  • PHCN = 2% commission
  • StarTimes = 2% commission

To make more money on OPay as an agent (merchant), increase your daily transactions on the terminal.

OPay Customer Care Phone Number

As a customer or an agent, when you have something to get across to OPay, phone calling and chatting might be the fastest and easiest way to make contact.

It is faster to get through to OPay Nigeria customer care via WhatsApp: +234 (01) 8888329.

OPay Customer Care Email Address

For inquiries and support on OPay, email ng-support@opay-inc.com

OPay Head Office in Nigeria

For inquiries and support, you can contact your aggregator, mail or stop by at OPay head office in Nigeria which is at Alexander House, Otunba Jobi Fele Way, Ikeja, Lagos.

Office service hours are Monday – Friday from 9 AM to 5 PM (WAT).

Final Words

OPay has created many opportunities for many Nigerians via the OPay Merchant that lets you become an agent.

Being an OPay agent, you can get their POS machine and carry out bill payments, withdrawals and also send of money for people and this will help you generate income as time goes on.

So, apply and get your OPay POS machine today.

Good luck!

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Saint Chinedu

My GOAL is to equip you with the right strategy and working information to improve your academic performance, financial situation, and health this month.


  1. Sir/Madam,
    I have interest to buy the POS machine not hire. Will I still fill in the online details? Or I can do that after I received the POS Machine I then do the registering.

  2. Good day, i want become an Opay Agent. please i need your guidence for the procedures. I am from Kano state.

  3. My husband is processing this POS yesterday they requested for #200,000 which he did and this morning they sent a message to his email that cbn rejected the money that he should forward #300,000 to complete it #500,000.I am worried because I see where they said is only 20k, please I want to verify if is true

  4. I am a graduate, i want to start pos business, but i don`t have capital to start it and no machine how can i do?

  5. Opay is one of the fukup banking that I ever seen in my life on the day I opened 2 account with them with 50k each and the money was transferred out of my account immediately I call the customer service times without number no solution

  6. Will like you to do a review of all payment apps in Nigeria to know which of them has the lowest p2p charges per transaction.

    1. I think the agent has something to do with my commission that’s not dropping, kindly look into it OPay.

  7. I’m an old agent since over 8 year’s I wanted to download the app but I can’t get it easy so please how do I get it

  8. I will be glad if I can get work from Opay company, because I’m jobless, the work am doing now is security of eatery, and I don’t like it. Please I need job

  9. I am a university graduate,I use. Opay mobile app I want to start a POS business but I don’t have the funds,is there any help?

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