OPay
6.7#13 in peer-to-peer payment appsFree planFree planAndroidiOSAPI
VisitOPay vs Splitwise
What both publish
| Fact | OPay | Splitwise |
|---|---|---|
| Founded | 2018 | 2011 |
| Headquarters | Lagos, Nigeria | Providence, Rhode Island, USA |
| Integrations | The merchant developer guide describes RESTful APIs, Express Checkout, and e-commerce plugins, including a WooCommerce plugin. | Pro transaction import connects a credit or debit card to show recent purchases for splitting, and the site says this feature is currently available only in the US. |
| Purpose | OPay describes itself as a financial services platform for managing finances, payments, and transactions. | Splitwise organizes shared expenses and IOUs so friends, family, housemates, and trip groups can track who owes whom. |
OPay plans
- OPay appFree
Splitwise plans
- Individual + Trip Pass—
- Duo + Trip Pass—
- Monthly subscription—
- FreeFree
- Splitwise Pro monthly$4.99 a month
- Splitwise Pro annual$39.99 a year
Pick OPay if…
OPay suits people in Nigeria who need payments, transfers, bills, top-ups, or savings options. It also serves agents and merchants, with integrations for merchant payments.
Pick Splitwise if…
Splitwise suits friends, family, housemates and travel groups who want to record shared costs and settle balances. Its free plan and unequal splitting options may suit groups with varied expense-sharing arrangements.