eLendly vs OPay Business
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
eLendly
Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.
- Automate subscriptions
- Lend and borrow with friends
- Track finances
- Investment tracking
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Automate your subscriptions, Lend/Borrow from a friend and track your finances
OPay Business
This app empowers Nigerian businesses with a comprehensive financial management suite. It offers diverse payment collection methods, employee and store management, and access to over 200 billers for seamless operations and growth.
- Omnichannel payment collection
- Unique account for transfers
- POS application and management
- Branch and employee management
- Downloadable business statements
- Access to 200+ billers
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OPay is a well-known and leading financial service company in Nigeria with 40 million+ users who trust, rely on, and use the platform. OPay consistently adheres to its mission which is "make financial services more inclusive through technology" and keeps advancing its infrastructure and product to provide services that are "Beyond Banking" in Nigeria. OPay Business App addresses the retail needs for all kinds of business providing omnichannel collection methods, employee & store management, bill payments, and other excellent features to make your business secure, profitable, and more efficient. With the OPay Business App, you can: • Collect payments in any way you want • Get a unique account for receiving transfers • Apply for and manage your OPay POS easily • Manage your branches and employees in one app • Download statements and reports that bring insight to your business • Access to over 200 billers…airtime, data, utilities and more Take your business to the next level with OPay Business. Contact us We have a dedicated support team available 24/7 for all your questions and complaints. Helplines: 07008888329 Website: https://opayweb.com/merchants/ Facebook: @OPay agents
Screenshots
Verdict
The clearest difference is rating: OPay Business at 3.6 against eLendly's 2.7. OPay Business also leads on update cadence (every 2 weeks vs every 2 months) and review sentiment (22% vs 7%). eLendly's advantage is iOS requirement (12.0 vs 15.1). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
OPay Business holds the better App Store score, 3.6 against 2.7. That said, the two scores are not equally well evidenced: OPay Business has 840 ratings behind it against 106, so its average is the more settled of the two. Written reviews point the same way: 7% of eLendly's written reviews are positive against 22% of OPay Business's.
eLendly ships an update every 2 months, OPay Business every 2 weeks. The most recent releases landed on October 23, 2026 and October 25, 2026 respectively.
| Parameter | eLendly | OPay Business |
|---|---|---|
| Price | Free | Free |
| Rating | 2.7 (106 ratings) | 3.6 (840 ratings) — better |
| Positive reviews | 6.7% of reviews | 21.6% of reviews — better |
| Number of ratings | 106 | 840 — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | — | #108 — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 70 MB | 105 MB |
| Age rating | 4+ | 12+ |
| Developer | Elendly Limited | OPay Digital Services Pte.Ltd. |
Customer experience
eLendly
OPay Business
Bugs and requests
eLendly
Not enough reviews yet to summarise bugs or requests.
OPay Business
Reported bugs
18 issues- Loan icon missing from updated app
- Transaction history not showing previous transactions
- Sub-account creation failing on iPhone
- Sub-account withdrawal not working on iPhone
- Business account transfer features unavailable for iOS users
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- Airtime and data purchase not functioning
- Bill payment features not working
- App displaying 'Coming Soon' for multiple features
- Account freezing without clear resolution
- Upgrade prompt appearing with no available update in App Store
- Accept large transfer stuck on iOS
- Nigeria phone number registration not supported
- OTP delivery only via SMS, email option missing
- Money stuck in accounts with no withdrawal option
- Account balance discrepancies
- App crashing or not opening
- Version mismatch (v2 vs v3) on fresh installations
- Restricted accounts unable to perform transactions
Requested features
13 requests- Restore loan icon functionality
- Display complete transaction history with totals
- Add bill payment capability
- Restore airtime and data purchase functionality
- Restore electricity bill payment
Show 8 moreShow fewer
- Enable email-based OTP option
- Support for Nigeria phone number registration
- Fix sub-account functionality on iPhone
- Improve app performance and speed
- Parity between iOS and Android features
- Option to downgrade from merchant account
- Accept pending transfer functionality for business accounts
- Restore previous app version features
In-app purchases
eLendly
No in-app purchases
OPay Business
No in-app purchases
