How to Become Opay Aggregator and Opay Agent and Make Money

As one of the leading mobile payment platforms, OPay provides individuals with the chance to join their network and be a part of their growing ecosystem. Whether you aspire to be an aggregator, facilitating transactions and onboarding agents, or an agent providing essential services to customers, this guide will walk you through the process, requirements, and benefits of becoming an OPay aggregator or agent

Get ready to embark on a journey towards financial empowerment and play a vital role in transforming the way people transact and access financial services.

About Opay

Founded in 2018, Opay has quickly established itself as a key player in the fintech industry, providing convenient and innovative financial services to millions of users.

The Opay platform offers various features, including mobile money services, bill payments, airtime top-ups, fund transfers, and merchant payments. Users can access these services through the Opay mobile app, which is available for both Android and iOS devices. The app provides a user-friendly interface and seamless navigation, allowing users to perform transactions with ease.

Opay is committed to ensuring financial inclusion and empowering individuals with access to essential financial services. Through its platform, users can create digital wallets, make secure payments, and manage their finances effectively. Opay also collaborates with banks, merchants, and other partners to provide additional services such as loans, insurance, and investment opportunities.

One of the notable features of Opay is its focus on leveraging technology to drive financial inclusion and revolutionize the way people transact. The platform utilizes advanced security measures to safeguard user information and transactions, providing a secure and reliable environment for conducting financial activities.

With its extensive network of agents and strategic partnerships, Opay has expanded its reach across Nigeria and beyond. The company continues to innovate and introduce new features to enhance user experience and meet the evolving needs of its customers.

Who is An Opay Aggregator?

An Opay aggregator is a key player in the digital financial ecosystem. They serve as intermediaries between Opay and merchants, bridging the gap and facilitating smooth transactions. Aggregators enable businesses to integrate with the Opay platform, empowering them to accept digital payments from customers.

By partnering with Opay as an aggregator, you gain access to a powerful suite of financial services and solutions. You can provide merchants with the ability to accept payments through various channels, such as mobile apps, QR codes, and POS terminals. 

Aggregators also offer value-added services, including transaction monitoring, analytics, and reporting tools, which help merchants gain insights into their business performance and optimize their operations.

As an Opay aggregator, you act as a trusted partner for merchants, assisting them in navigating the digital payment landscape. You ensure a seamless onboarding process, provide technical support, and offer guidance on leveraging Opay's features and functionalities. Aggregators also play a role in driving customer adoption and engagement, contributing to the growth of the Opay ecosystem.

Read Also: How To Become Moniepoint Aggregator and Agent

Who Is An Opay Agent?

An Opay agent is an individual or entity that serves as a representative of Opay, providing financial services and support directly to customers. Agents act as intermediaries between Opay and users, helping them access and utilize various services offered by Opay.

As an Opay agent, you play a crucial role in bringing financial services closer to the customers. You assist users in performing transactions such as cash deposits, withdrawals, fund transfers, bill payments, and airtime top-ups. 

Agents typically operate in physical locations, such as retail shops or dedicated kiosks, where customers can visit and avail themselves of Opay's services.

Opay agents serve as trusted touchpoints for customers, providing them with a convenient and accessible way to manage their financial needs. 

They assist users in navigating the Opay mobile app or platform, address queries and concerns, and offer guidance on utilizing the available features effectively.

Being an Opay agent comes with certain benefits, including earning commissions or fees for the services rendered. Agents also contribute to the growth of Opay's user base, as they play a crucial role in customer acquisition and retention.

How To Become An Opay Aggregator 

To become an Opay aggregator, follow these steps:

  1. Visit Opay Aggregator Registration Page: Access the Opay Aggregator Registration page by clicking on the provided link or navigating to the official Opay website.

  2. Fill Up All Necessary Information: Provide all the required details in the registration form. This typically includes personal information such as your full name, contact details, address, and other relevant information as requested. Ensure that you provide accurate and up-to-date information.

  3. Get Code: After submitting the registration form, you will receive a verification code. This code may be sent to your registered email address or mobile number. Enter the code in the designated field to verify your account.

  4. Complete Registration: Once the verification process is complete, your registration as an Opay aggregator will be finalized. You may receive further instructions or notifications from Opay regarding the next steps, such as account activation or additional documentation requirements.

How To Become An Opay Agent

To become an Opay agent, you can follow these steps:

  1. Download the OPay App: Start by downloading the OPay app from the Google Play Store or Apple App Store on your mobile device. The app will serve as a platform for you to perform transactions and access agent-related features.

  2. Sign Up and Provide Information: Open the OPay app and sign up for an account. During the signup process, you will be required to provide all the necessary information for approval. This may include personal details, identification documents, and contact information.

  3. Wait for Approval: After submitting your information, you will need to wait for your application to be reviewed and approved by OPay. This process ensures that you meet the requirements and criteria set by OPay to become an agent.

  4. Training and Onboarding: Once your application is approved, OPay may provide training and onboarding sessions to familiarize you with their platform, services, and operating procedures. This will equip you with the necessary knowledge and skills to effectively serve as an OPay agent.

  5. Start Making Transactions: As an approved OPay agent, you can start performing transactions on the OPay merchant app. This includes providing various services such as money transfers, bill payments, airtime top-ups, and more. For each transaction you make, you earn commissions based on the agreed-upon rates.

  6. Provide Excellent Customer Service: To thrive as an OPay agent, it's important to offer exceptional customer service to your clients. Be responsive, courteous, and knowledgeable about the services you provide. This will help build trust and loyalty among your customers.

Benefits Of Becoming An Opay Aggregator/Agent

Becoming an Opay aggregator/agent comes with several benefits. Here are some of the key advantages:

  1. Earning Potential: As an Opay aggregator/agent, you have the opportunity to earn commissions and generate income through the transactions you facilitate. Opay offers competitive commission rates, allowing you to earn a percentage of the transaction value or a fixed amount for each successful transaction.

  2. Wide Range of Services: Opay provides a diverse range of services that you can offer as an aggregator/agent. These services include money transfers, bill payments, airtime top-ups, utility payments, and more. By providing these services, you can cater to the needs of a broad customer base and increase your earning potential.

  3. Increased Customer Traffic: By being affiliated with Opay, you benefit from their brand recognition and marketing efforts. Opay is a popular and widely recognized digital payment platform, which can attract customers to your agent location. This can result in increased foot traffic and potential customers for your business.

  4. Business Expansion Opportunities: As an Opay aggregator/agent, you have the flexibility to expand your business and reach new customers. You can establish multiple agent locations or collaborate with other businesses to offer Opay services. This allows you to tap into different markets and increase your overall business presence.

  5. Access to Technology: Opay provides agents with access to their technology and infrastructure, including their mobile app and payment systems. This enables you to leverage their advanced technology for seamless transactions, secure payments, and efficient business operations.

  6. Training and Support: Opay offers training and support to their agents, equipping them with the necessary knowledge and skills to operate effectively. You can benefit from training sessions, educational resources, and ongoing support from Opay's dedicated team. This ensures that you have the tools and guidance needed to succeed as an Opay aggregator/agent.

  7. Entrepreneurial Opportunity: Becoming an Opay aggregator/agent allows you to enter the world of entrepreneurship. You have the freedom to manage your own business, set your working hours, and determine your earning potential. This level of independence can be rewarding for individuals seeking self-employment opportunities.

It's important to note that the specific benefits may vary based on your location and the partnership agreement with Opay. 


How do you become an OPay aggregator?

To become an OPay aggregator, you need to visit the OPay website or contact their official channels to inquire about their aggregator program. They will provide you with the necessary information and guide you through the registration process.

How much does it cost to be an OPay agent?

The cost to become an OPay agent may vary depending on the location and specific partnership agreement. It is recommended to reach out to OPay directly or consult their official website to get accurate and up-to-date information on the costs associated with becoming an agent.

What are the benefits of OPay aggregator?

As an OPay aggregator, you can enjoy benefits such as earning commissions from transactions, access to a wide range of services, increased customer traffic, business expansion opportunities, access to OPay's technology and infrastructure, training and support, and the opportunity to be an entrepreneur.

Does OPay pay their agent monthly?

The payment arrangement for OPay agents may vary based on the specific agreement. Some agents may receive monthly payments from OPay, while others may receive commissions on a transaction basis. It is advisable to clarify the payment terms directly with OPay or refer to their official documentation.

Which app is better than OPay?

There are several mobile payment apps available in the market, each with its own strengths and weaknesses. It is recommended to compare the features, services, user reviews, and reliability of different apps to determine which one aligns best with your requirements.


In conclusion, becoming an OPay aggregator or agent can open up exciting opportunities in the world of digital financial services. By following the necessary steps and fulfilling the requirements, you can join OPay's network and become part of their expanding ecosystem. As an aggregator, you can facilitate transactions, onboard agents, and earn commissions. 

As an agent, you can provide various services to customers, earn commissions, and contribute to financial inclusion efforts. The benefits include increased income potential, business growth opportunities, access to a wide range of services, and the ability to serve your community. It's important to thoroughly understand the process, requirements, and responsibilities before embarking on this journey. 

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