A-Z Complete guide Opay/Paycom Steps | Learn How to Open, Operate & Earn Daily on Opay/Paycom in Nigeria. That your savings in other conventional banks is wasting. Do you you know that Opay offers close to 15% per annum and payment made daily just by depositing your funds into your own Opay savings account? With opay, you don't need to be afraid of debit alert because on daily basis what you would be witnessing is credit alert no matter how small your funds are.
I have the secret code with me. Why don't we delve into these secret codes together.
All you need to know about Opay/Paycom in Nigeria
- A better life with OPay
- Add Money, Make Transfers,
- Pay Bills
- Add Money, Make Transfers, Pay Bills
Live your life on your terms and without limits. With an OPay account, you can add money to your wallet for free, within seconds and start making transfers to other wallets or any bank accounts for free.* Take control of how you make your bill and utility payments.
Opay is more or less a vertual bank operated online inline with the Central Bank of Nigeria licencing. CBN licensed, NDIC insuranced.
- We take your Security and Privacy seriously
- Advanced fraud detection
- Your data is stored and encrypted using strong cryptography. We scan our systems daily against security threats.
- Your money is safe with us
- We are compliant with PCI DSS. Your transactions are always encrypted and secured.
- Easy, fast transactions
- Goodbye to queues. OPay is the easiest and fastest way to make transactions and manage your finances without standing in long bank queues.
Complete Guide to Opay/Paycom Account Opening for Free
What You need to Create Opay Account
- 1. Phone number ( which will automatically become your account number e.g 07032702473 will become 7032702473 as my official account number
- 2. Email address
- 3. Password
- 4. Transaction pin
- 5. Scanned Electricity or utility bill
- 6. Scanned Passport
- 7. Scanned National Identity card, Voters card or Driver's license
- 8. Internet connection
- 9. BVN
How to Earn upto #8,000 Naira via Referrals on Opay/Paycom Daily
How To Register For Opay/Paycom Account Without Visiting any bank
Download the OPAY mobile app from playstore or Here
- Launch the app and click on Create New account (Please Click on the referral link below to support us if you really appreciate our post)
- 👇👇👇👇👇👇👇👇
- CLICK HERE TO DOWNLOAD OPAY APP to bind our contact as the referral
- Click on Create account
- Input your phone number (Please note that it will automatically represent your Account number)
- Tap on get code
- A 6-digit code will be sent to that phone number, copy and paste into the appropriate box and Tap on Submit or continue
- Input your account Password
- Verify your identity by taking a selfie
- Select and verify identification method (Bvn or NIN, or phone number etc)
- Fill in your personal informations (e.g Full name, DOB, Gender etc)
- Enter your address (e.g state,.LGA, Residential Address etc)
- Secure your account using email verification method
- You are good to go.
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How to Earn on Opay/Paycom Daily
Pay Your Utility Bills and Purchase Airtime, Data and Earn commission on each Transaction using Opay/PAYCOM
- Make your payments from the comfort of your homes or on-the-go. Pay for your cable TV, electricity, water, education, toll, tax, and more.
- Fast & Secure Transfer
- With OPay, you can send money to other banks for free and receive money in real-time. All you need is a phone number to open an account.*
- Connect with Friends
- Chat with family and friends on the app. Send money to them with zero charges through our wallet-to-wallet payment system.
- Offline Banking
- No smartphone? No problem! Our USSD service is here to help you. Dial *955# on your phone to carry out any transaction.
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Savings on Opay/Paycom
- Start saving smartly with any of our savings products and get up to 15% interest returns per annum. Withdraw your money at your convenience.
- Have you claimed your Daily Login Bonus on OPay today?
- Click to see how to get your referral link and start earning N800 per referral 🤑
- I use OPay for free transfers & earn high interests on my savings. Join me on OPay and get ₦7,630 bonus! bonus! Click HERE
- #OPayBeyondBanking
REFERRAL RULES ON OPAY/PAYCOM
1.How do referrals work?
When your friend register an account and complete the task through the link you've shared, you will get #800 cashback and your friend will get up to #7,630 cashback.
2. Who is a valid user?
A. The invitee's phone number should be one that has not yet been registered with Opay as at the time the inviter makes a transfer to the phone number.
B. After signing up on OPay, the invitee should top up his/her Opay account with #1000 or more using bank card, cash deposit, bank transfer or USSD. Please note that this does not include top-ups via OPay to OPay transfer and QR code.
3.About Cashback
After your friend has been invited to register and completed the required task successfully, both of you will get cashback. Cashback can be used in: bill payment, airtime, betting, tv, electricity, data, etc.
4.How can I check my referrals?
To check the status of people you referred, login to your OPay account, select Home > Others > Refer friend > Referral History, to see the person you invited if they're valid.
can I check my referrals?
To check the status of people you referred, login to your OPay account, select Home > Others > Refer friend > Referral History, to see the person you invited if they're valid.
5.Other
A new user can only bind the inviter once, and one device and one BVN can only participate once. Suspicious invitation OPay reserves the right to suspend the award. There are many uncertain factors on the Internet, please understand and agree that, due to force majeure, network, communication line failure, large-scale computer paralysis, and large-scale cheating during the event, OPay has the right to take measures including but not limited to eliminating abnormalities or adjusting, suspending, or canceling this activity through various methods and Opay will not be liable for any losses caused to you.
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Learn How to Earn Commission on Opay/Paycom via All Airtime and Data Recharge
- Airtime+3%
- Data +3%
Learn How to Earn and Withdraw Daily from Your Savings or Piggy Vest On Opay/Paycom in Nigeria
Targets Save daily, weekly or monthly towards targets. Up to 15% p.a
OWealth Enjoy daily returns and withdraw at any time. Up to 15% p.a
OWealth Benefits On Opay
Interest is paid every morning.
The funds invested in OWealth before 22:00 pm each day will begin to settle interest to your account the following morning.
Make payments & transfers You can use OWealth just like your regular wallet balance for transfers and instant bill payments with no extra fees. Funds can be withdrawn at any time.
Automatic investment.
Turning on automatic investment will make your idle funds generate more value. Funds can be used and withdrawn at any time.
Available on all Opay platforms
You can access OWealth via the OPay app, USSD (*955#) or Web (opay.ng) to invest and withdraw easily.
Registered and approved by the Central Bank of
Nigeria Owealth is owned by a company which has a banking license approved by the Central Bank of Nigeria. The registration number is 810286.
As safe as OPay Balance
OWealth and Opay Balance maintain the same technical standards and security levels. You can manage your OWealth account just like your Balance. OWealth also supports withdrawals at any time.
Bank-grade encrypted transactions
We use the same 256-bit HTTPS SSL (highest level) encryption technology as all major banks to protect the funds in your OWealth account and any transactions performed with it.
Deposit insurance
Like all banks, we provide insurance for every deposit you make into your OWealth account. In the event of any loss caused by force majeure (unforeseen circumstances), the Deposit Insurance Fund of the National Deposit Insurance Commission (NDIC) will pay you the statutory compensation.
Standardized operations
OWealth uses your savings deposit to carry out government supported investment and profit activities to maintain operations in accordance with standardized procedures. We also obtain legal income through various transaction commissions and loan businesses. Since all businesses are realized through technical means and the use of mobile Internet, we are able to save a lot of costs than traditional banks. With this, we can provide our users with higher interest rates than traditional banks for a long time according to legal compliance rules.
Safe operation of funds
OWealth's professional financial management team will strictly control the safe trading and outbound investment of all funds. With lower costs than banks, OWealth can provide users with higher returns.
Instant credit of funds
With the support of advanced mobile payment and settlement technology, OWealth provides instant credit to users' accounts in 1 minute.
FREQUENTLY ASKED QUESTIONS ABOUT OWEALTH
Q What is OWealth?
A OWealth is a savings product developed by Blueridge Microfinance Bank and available on the OPay App. Get up to 15% annual interest when you invest with OWealth and withdraw your funds at any time.
Q What is the difference between OWealth and OPay Balance?
A While both can be used to make transfers, bill payments & withdrawals, OWealth gives you daily profits while OPay balance does not.
Q Is OWealth safe?
A OWealth is as secure as OPay Balance. All OWealth transactions use 256-bit HTTPS SSL (the highest level) encryption technology. OWealth has a banking license approved by Central Bank of Nigeria and operates in a safe and standardized manner. For more information about OWealth's security, please visit the 'Guarantee' page.
What are the benefits of turning on auto-invest?
Auto-invest is a tool that once enabled, automatically invests funds deposited in OPay Balance into OWealth at 22:00 pm daily and pays interest at an annual rate of 5 15%. Turning on auto-invest will make your idle funds earn more value. Funds can be withdrawn for free at any time.
What is the annual interest rate of OWealth?
For OWealth balances of #100,000 and below, your daily returns will be calculated at 15% annual interest rate while for balances above #100,000, the first #100,000 will be calculated 15% annual interest while the remaining balance will be calculated at 5% annual interest.
Q How is OWealth's interest calculated?
A Daily income = OWealth Balance*((1+annual interest)^(1/365)-1) Click on the "Invest" tab to calculate the amount of interest you can earn daily, weekly, monthly or yearly with specific amounts.
Note that due to the existence of rewards such as Interest Rate Coupons and Trial Cash, in addition to calculating the base interest rate, interest earned from coupons and other rewards will be paid to OWealth balance in accordance with the terms and conditions stated.
How is the OWealth interest paid?
A Your interest is paid into your OWealth account every morning. Deposit funds into OWealth before 22:00 pm and get daily returns the following morning. Note that interest is earned on both the money saved and accumulated interest from previous savings.
Q What are Rate-up coupons?
Rate-up coupons are reward coupons offered to increase your OWealth annual interest rate. With a Rate-up coupon, funds in your OWealth account will earn interest based on the increased interest rate.
Each Rate-up coupon is valid for a fixed period and once it expires, the annual interest rate will return to OWealth's fixed interest rate at 5%-15% annually. Each Rate-up coupon will state the required investment amount or the interest rate increase amount such as "Save an additional XX naira or more in OWealth to claim this coupon", or "You need to have saved XX naira in OWealth to claim this coupon". Please pay attention to the specific value when using a Rate-up coupon.
Q What is a Trial Cash coupon?
A A Trial Cash coupon is a coupon that enables you to experience saving with OWealth within a trial period. When you apply the coupon, you will earn interest based on the trial cash amount within the validity period only and interest will be calculated as an actual investment. Interest will be paid to your OWealth balance and you can withdraw it at any time. Please note that only interest earned on trial cash can be withdrawn, the trial cash itself cannot be withdrawn or used for payments.
What are the benefits of inviting friends to invest?
A OPay encourages OWealth users to invite friends to register and invest. If a friend completes the registration through your invitation link and starts investing in OWealth, you will receive Coupons, Trial Cash, Cashback and other cash rewards. The more friends you invite, the more rewards you will receive. Please go to the invitation page for more information.
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Learn About OPay/Paycom SafeBox Savings with Interest
- Strict daily, weekly or monthly automatic savings. Up to 15% p.a
- Deposit anytime Save daily, weekly or monthly and enjoy up to four free withdrawal days yearly
- High returns
- Earn 15% annual interest. Interest is accumulated daily and paid to you monthly
- Secure & guaranteed
- Your funds are protected with the same 256-bit HTTPS SSL as all other banks, and deposits are insured by the NDIC.
Q What is SafeBox?
A SafeBox is a savings product developed by BlueRidge Microfinance Bank and available on the OPay App. With SafeBox, you can earn up to 15% annual interest on savings.
For balances of N300,000 and below, your daily interest will be calculated at 15% annual interest rate while for balances over 300,000, the first #300,000 will be calculated at 15% interest rate while the remaining balance will be calculated at 6% annual interest rate.
Q Why is SafeBox interest rate divided into two (6% and 15% p.a)?
A You can now enjoy 15% annual savings interest on
SafeBox for balances of N300,000 and below. For balances of #300,000 and below, your daily interest will be calculated at 15% annual interest rate while for balances over #300,000, the first #300,000 will be calculated at 15% interest rate while the remaining balance will be calculated at 6% annual interest rate.
Here is an example:
If your total SafeBox balance is N400,000, N300,000 will be calculated at 15% annual interest rate while the N100,000 balance will be calculated at 6% annual interest rate. Therefore, your annual profit earned will be (300,000 * 15% +100,000*6%) = 51,000
Q How is SafeBox interest calculated?
A Interest on SafeBox is calculated daily and paid on the first day of the next month. Daily interest = Amount* ((1+ Annual Interest Rate)^(1/365)-1)
How do I make a deposit into SafeBox?
A There are two ways to deposit: 1. By clicking the "Quick Deposit" button, you can deposit amount between #1 to #100,000,000. You can add money with your OPay balance, OWealth balance, Bank account or Bank cards.
2. You can set up "AutoSave Deposit" and save with discipline on a monthly, weekly or daily basis. Once set, the money will be automatically transferred from your OPay balance to your SafeBox savings.
What are Withdrawal Days?
A There are 4 withdrawal days in a year (March 31st, June 30th, September 30th & December 31st). It's free to withdraw on withdrawal days. This is to promote savings discipline and help you meet your savings goals faster. You can also set your own withdrawal days however, once set, you cannot go back to using SafeBox's Withdrawals Days.
What is a Breaking Fee?
A Breaking fee is a charge deducted for requesting a withdrawal on non-withdrawal days. Breaking fees are 1.5% of the withdrawal amount, min 0.01.
Q: How long do have to wait to receive my money after withdrawing from my SafeBox balance?
A: Withdrawals are processed immediately.
Q: Can I cancel my SafeBox plan and request for a withdrawal at any time?
A Yes. Funds in your SafeBox can be withdrawn anytime (Even on non-withdrawal days but this attracts a 1.5% breaking fee of the withdrawal amount)
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Learn About OPay/Paycom Fixed Deposit savings
- Set 7-1000 days savings plan with as low as 1000. Up to 18% p.a.
- Lock funds
- Create your unique savings plan with duration between 7 and 1000 days. Choose to lock funds and earn interest today, immediately.
- Highest interest rate
- Enjoy 3 times higher interest rate than banks. New users enjoy 20% p.a.
- Secured & Guaranteed
- Secured by the Central Bank of Nigeria. Guarantee that the return will be repaid.
What is Fixed Savings?
A Fixed Savings is a savings product developed by BlueRidge Microfinance bank and available on the OPay App. With Fixed Savings, you can earn up to 18% annual interest on your savings.
For balances of #300,000 and below, your interest will be calculated at 15% - 18% annual interest rate while for balances over 300,000, the first #300,000 will be calculated at 15% - 18% interest rate while the remaining balance will be calculated at 6% -9% annual interest rate.
What is the difference between Fixed Savings and OWealth?
A Fixed savings offers a higher interest rate than OWealth. but the funds will be locked in the account until a set payback date. If you want to withdraw your money before the payback date, half of your interest will be deducted. OWealth is more flexible. You can withdraw your money at any time without losing interest.
How is Fixed Savings interest calculated?
A Fixed savings interest calculation:
Interest rate = Annual Interest Rate * Duration/365 Interest = Investment Amount * Annual Interest Rate *Duration/365
Payout = Investment Amount + Interest
If you are a Fixed Savings new user and you want to save N400,000 for a year: #300,000 will be calculated at 18% annual interest rate while the #100,000 balance will be calculated at 9% annual interest rate. Therefore, your annual profit earned will be (300,000 18% +100,000*9%) = 63,000
Q When will the investment amount and interest be paid to my account if my Fixed savings has matured?
If you choose 'Lock fund" on the "Make a plan" page, interest will be paid back to your OWealth balance immediately. The investment amount will be locked until the set payback date. For unlocked deposits, the investment amount and interest will be paid to your OWealth balance on the set payback date. You can use the funds in OWealth to pay bills, transfer to your OPay balance and other users' accounts or withdraw it at any time.
Can the funds in my Fixed Savings be withdrawn in advance?
A: Locked deposits cannot be withdrawn in advance. For unlocked deposits, if you decide to withdraw your funds before the set payback date, half of your interest will be deducted. The actual duration of your investment will be calculated, and half of your earned interest will be deducted.
- Interest = Investment Amount * Annual Interest Rate *Actual Duration/365
- Actual Duration = Liquidation Application Day - Payment Day
- Interest Lost = Interest * 70%
- Payout Amount = Investment Amount + Interest - Deducted Interest
The payout amount will be paid to your OWealth balance within 48 hours after you submitted your liquidation application. You can use the money in OWealth to make payments and transfer money or withdraw it at any time.
Why the expected duration showed on the APP is different from the actual duration?
Duration = Payback day- Payment day If a user tries to invest at 23:59 pm on December 31st, 2021 and sets January 1st, 2023 as the payback day but the payment is completed at 00:10, January 1st, 2022, the duration would be 364 days rather than 365 days.
How can I invest money in Fixed Savings?
A There are 3 ways that you can invest your money into a Fixed Savings plan. You can add money via your OPay balance, OWealth balance, Bank account or Bank cards.
Which account will be credited if I withdraw funds from my Fixed Savings plan?
A: The funds will be deposited into your OWealth balance account. You can use the money in your OWealth balance account to pay bills, transfer more to your OPay balance account and other users' accounts or withdraw itany time.
What projects will the funds deposited in Fixed invest in?
A Like normal banks, Fixed Savings will use available deposits to invest in high-quality projects or loan businesses that have undergone a proper financial review as well as any business operations permitted by the government after retaining the deposit margin required by law and paying the required deposit insurance fees.
Note: Funds in Fixed Savings will not be used to invest in high-risk projects or assets such as stocks or cryptocurrencies. If you want to obtain returns that far exceed market interest rates, please choose a more suitable platform for investment and pay attention to the risks.
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All You Need to know about Opay/Paycom Target Savings
- Earn Flexible Spending with 15% annual interest
- Security CBN licensed, NDIC insuranced
- Do you aim to pay for
- Accomodation
- Education
- Business
- Eventa
- Appliances
- Emergencies
- Travels
- Others
What is Target savings?
A Target savings is a savings product that allows you to create a unique savings target and save with discipline on a monthly, weekly or daily basis. The system will automatically debit your balance based on your set savings plan and debit time. For a successful debit, you can top up your balance in advance before the debit cycle. If you miss your set debit schedule, you can deposit quickly through the top-up feature on the Target savings page.
How is the interest on Target savings calculated?
A You can earn up to 15% annual interest on Target savings and the interest earned will be paid at a set payback date. For balances of #300,000 and below, your daily interest will be calculated at 15% annual interest rate while for balances over #300,000, the first #300,000 will be calculated at 15% interest rate while the remaining balance will be calculated at 6% annual interest rate.
- Interest rate = Annual interest rate * Duration/365 Interest = Investment amount * Duration * Annual interest
- Payout = Investment amount + Interest Duration of each investment Investment day - Payment date for each investment
- The interest of each investment is calculated successively, with the full interest of the target being equal to the sum of the interest of each investment.
When will the savings amount and interest be paid to my account if my target is matured?
A The savings amount and interest will be paid to your OWealth balance at 16:00 pm on the set payback day and no later than 2 days after the payback day. You can use the funds in OWealth to pay bills, make transfers to your OPay balance account or other users' accounts and withdraw it at any time
Can the funds in Target savings be withdrawn in advance?
Funds in Target savings can be liquidated before the set payback date, but part of the full interest earned will be deducted and a liquidation fee of 0.5% of savings amount will be incurred.
What happens to the savings amount and interest if my target has matured but I didn't reach my savings target?
A If the Target has matured but the savings target has not yet been met, all the interest earned will be deducted and the savings amount will be paid to your OWealth balance at 16:00 pm on the set payback day and no later than 2 days after the payback day. You can use the funds in Owealth to pay bills, make transfers to your OPay balance account or other users' accounts and withdraw it at any time.
What happens to the interest if my target has matured but I exceed the savings target?
You will receive all the interest on your current savings amount.
All you need to know about Opay/Paycom Earn as you spend
- Save a percentage every time you spend money
- High returns
- Earn interest daily at 15% p.a, and withdraw funds any time without penalty
- Secured & Guaranteed
- Your funds are protected with the same 256-bit HTTPS SSL as all other banks, and deposits are insured by the NDIC.
What is Spend & Save?
A Spend & Save is a savings product developed by BlueRidge Microfinance Bank and available on the OPay app. It is designed to help you make full utilization of your funds using a "save & earn as you spend" model.
Q: How does Spend & Save work?
A Set a percentage to save and tap the 'Activate Spend & Save" button. Funds will be automatically transferred from your OPay Balance to Spend & Save balance every time you spend or transfer money on the OPay app.
Automatically transferred amount = Amount spent or
transferred The percentage
"Spend" in this context includes Airtime, TV, Electricity, Mobile Data, Betting, Transport, and Waste bills payment.
"Transfer" includes transfers to bank accounts and OPay accounts.
Q How is Spend & Save interest calculated?
A The annual interest rate is 15% on Spend & Save. Interest will be calculated and paid every day.
Daily interest = Spend & Save balance *((1+ annual interest rate) (1/365)-1) If Spend & Save balance is less than #48, no interest will be earned.
From April 6, 2022, all savings products will no longer deduct Interest Withholding Tax, and 10% of the withholding tax will be borne by Blue Ridge Microfinance Bank.
How long do I have to wait before I can withdraw from my Spend & Save balance?
Withdrawals are processed immediately.
How can I stop Spend & Save?
To stop deductions, set the percentage to 0% and your funds will not be automatically transferred to your Spend & Save balance. You can withdraw funds when Spend & Save is stopped.
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Learn How to Request and Obtain Opay/Paycom Vertual Cards for Free
- Virtual Card opay
- OPay Virtual Card Verve
- Instant Access Apply and activate Instantly
- Safety No physical handling, No risk of loss
- Online Merchant Acceptance Accepted by 40,000+ online merchants including JUMIA, KONGA, NETFLIX, UBER Wallet Funding and others
- Security CBN licensed, NDIC insuranced
Frequently asked questions and Advantages of OPay Vertual cards
Q: What is a virtual card?
A: A Virtual Card is a digital payment card that is associated with your OPay Wallet and Owealth balance.
Q What are the features of a Virtual Card?
- It is not a physical card
- -It can be used for online payments and subscriptions
- . It cannot be lost or stolen
- Card application is fast and easy
- ⚫ Card can be blocked and unblocked at any time on the app
- Transaction limit can be managed at any time
Q: Will you charge me a card maintenance fee for the virtual card?
No, we won't charge you a card maintenance fee.
What are the usage scenarios of virtual cards?
A: Your Virtual Card can be used across 40,000+ online merchants including JUMIA, KONGA, NETFLIX, UBER wallet funding and others where Verve cards are accepted.
Q: How do I use my Virtual Card?
A: Apply for a Virtual Card on the app and receive your card details(Card number, CVV, Expiry date and PIN).
Q: How long is the validity period of the Virtual Card?
A: The Virtual Card is valid for 3 years. You can re apply for a new card after expiration
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Frequently asked questions and Advantages of OPay physical Debit cards
Q: What is a Physical Card?
A: The OPay Physical Card is a bank card that is linked to your OPay wallet balance and OWealth balance.
Q: How many times of free ATM withdrawals can I enjoy monthly?
A: You can enjoy 10 times free ATM withdrawals at any ATM on a monthly basis.
Where can I use my Physical Card?
A Your physical card can be used anywhere Verve cards are accepted for withdrawals and payments.
How can I apply for a Physical Card?
A Click 'Cards' on the homepage and Click "Get It Now".
Q: How can track my card application process?
A Once your card application is successful, click "Cards" on homepage and then Click "Track Card" on to track and get latest updates on delivery.
Q: When can I start using my card?
A Activate your card on the App and get your card details (card number, expiration time, card PIN). You can begin using your card once it has been activated.
Q: How can I change the card PIN?
A You can change the PIN by clicking "Manage Card' after selecting "Cards" on the homepage or going to any ATM to change the PIN..
Q: How long is the validity period of the Physical Card?
A The Physical Card is valid for 3 years. Apply again after expiration to renew your card.
Q What is the minimum amount that can be paid with the Physical Card?
A #10
Q: Which account is debited when I use my OPay debit card?
A: When you select Default or Current or Savings account, OPay account balance is the primary account for deductions. If your OPay balance is insufficient, your OWealth balance will be deducted.
Q: How to check account balance on ATM and POS terminals?
A When you select Current account, the result is OPay account balance; When you select Savings account, the result is Owealth balance; When you select other type of accounts, the result is the sum of OPay account and Owealth balance.
Learn all About OPay/Paycom Account Tiers Transaction Limits (Transfer and Withdrawal limits) UPGRADING PROCESSES
Tier 1
- Single transaction limit #20,000.00
- Daily transaction limit #50,000.00
- 7 days cumulative transaction limit #150,000.00
- Maximum account balance #300,000.00
Tier 2
- Single transaction limit #50,000.00
- Daily transaction limit N200,000.00
- 7 days cumulative transaction limit Unlimited
- Maximum account balance #500,000.00
Tier 3
- Single transaction limit #1,000,000.00
- Daily transaction limit N5,000,000.00
- 7 days cumulative transaction limit Unlimited
- Maximum account balance Unlimited
Merchant account Unlimited
- Single transaction limit Unlimited
- Daily transaction limit Unlimited
- 7 days cumulative transaction limit Unlimited
- Maximum account balance Unlimited
To upgrade to any of the above Tiers you must Provide the required documents for verification. Within a week or more your document will be successfully verified. After that you can be free to perform limitless transactions at lowest cost.
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To upgrade to any Opay/Paycom tiers as seen above
- Launch Opay/Paycom App
- Click on Home at the bottom left hand corner
- At the top left hand corner, Click on the photo ID with Your Name Beside it to access your account details
- Scroll to the bottom of the screen and Tap on UPGRADE TO TIER ??????????
- Submit The required documents
- Then wait for their approval
Do you still have questions?
- Check out our FAQ page to find answers to questions about our products and services.
- Need more help? Reach out to us via Social media, Telephone or Email.
- Our support team is always available to assist you.
- 0700 8888328 OR 01 888328 (App & Card queries)
- 0700 8888329 OR 01 888329 (POS Business queries)
- customerservice@opay-inc.com