Best Opay Merchant Apps

220+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated July 2026

OPay Business is the household name in opay merchant, but it's far from the only option. We track 220+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Opay Merchant Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OPay BusinessOPay BusinessFree3.6★ (465)NoNoAug 2026
2Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (30K)NoNoAug 2026
3Signal - Private MessengerSignal - Private MessengerFree4.7★ (1.1M)NoYesAug 2026
4MoMo PSBMoMo PSBFree4.5★ (4.8K)NoNoAug 2026
5Moniepoint Business BankingMoniepoint Business BankingFree4.6★ (15K)YesNoAug 2026
6MoMo AgentMoMo AgentFree3.0★ (20)NoNoMay 2026
7Smartcash PSBSmartcash PSBFree3.9★ (1.8K)NoNoAug 2026
8GTWorldGTWorldFree4.7★ (45K)NoNoAug 2026

Top Picks for Opay Merchant

OPay Business#1

OPay Business by OPay Digital Services Pte.Ltd.

Editor's Choice
💰 Finance
3.6😞(465 ratings)
Free
#90in Finance
OPay Business screenshot 1
OPay Business screenshot 2
OPay Business screenshot 3
OPay Business screenshot 4
OPay Business screenshot 5
OPay Business screenshot 6

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.

What We Love

  • 👍 Good app functionality overall
  • 💡 Bill payment feature requested and appreciated

Room to Improve

  • 🐛 Missing loan icon in updated version
  • 🐛 Transaction history not displaying properly
  • 🐛 Sub-account creation failing on iPhone
Moniepoint Personal Banking#2

Moniepoint Personal Banking by Moniepoint

Savings account | Send money
Strong Contender
💰 Finance
4.6😞(30K ratings)
Free
Moniepoint Personal Banking screenshot 1
Moniepoint Personal Banking screenshot 2
Moniepoint Personal Banking screenshot 3
Moniepoint Personal Banking screenshot 4
Moniepoint Personal Banking screenshot 5
Moniepoint Personal Banking screenshot 6

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

What We Love

  • 🚀 Fast transactions
  • 👍 Smooth onboarding
  • 🔒 Secure banking
  • 💡 Innovative features

Room to Improve

  • 🐛 Login issues
  • 🐛 Transfer failures
  • 🔒 Account restrictions
Signal - Private Messenger#3

Signal - Private Messenger by Signal Messenger, LLC

Say “hello” to privacy.
Worth Considering
🌐 Social Networking
4.7😊(1.1M ratings)
FreeIn-App Purchases
#13in Social Networking
Signal - Private Messenger screenshot 1
Signal - Private Messenger screenshot 2
Signal - Private Messenger screenshot 3
Signal - Private Messenger screenshot 4
Signal - Private Messenger screenshot 5
Signal - Private Messenger screenshot 6

This messaging app prioritizes your privacy with strong end-to-end encryption for all communications. It offers free text, voice, and video messaging, including group chats and disappearing stories, all without collecting your data.

What We Love

  • 🔒 Security and privacy
  • 👍 Ease of use
  • 🚀 Great call quality
  • 🚀 Smooth and pleasant user interface

Room to Improve

  • 🐛 Delayed message delivery
  • 🐛 Inconsistent image/video quality
  • 🐛 Buggy call functionality

More Opay Merchant apps to explore

4
MoMo PSB
MoMo PSB
MoMo PSB
Better than cash.
Free

Access a wide range of financial services and MoMo products with this user-friendly app. It offers secure, fast, and convenient control over your finances, allowing you to send money, buy airtime, pay bills, and more, all without data charges.

Send and receive moneyBuy airtime and dataPay bills
💰 Finance
(4.8K)
free
5
Moniepoint Business Banking
Moniepoint Business Banking
Moniepoint Business Banking
Mobile bank account|POS|Loans
Free

This app offers comprehensive mobile banking solutions for businesses. It allows users to open business accounts, accept payments, manage expenses with dedicated cards, purchase airtime, and pay bills. Businesses can also request POS terminals and access savings plans to grow their reserves.

Business bank account creationAccept online and offline paymentsPOS terminal requests
💰 Finance
(15K)
free with in-app purchases
6
MoMo Agent
MoMo Agent
MoMo Agent
by MTN Group LTD
Free

This app helps agents increase their earnings by streamlining transaction processing and improving customer service. It aims to boost foot traffic and facilitate the sale of value-added services for higher commissions.

Faster transaction processingIncreased foot trafficImproved customer service
💰 Finance
(20)
free
7
Smartcash PSB
Smartcash PSB
Smartcash PSB
Smartcash
Free

This application facilitates instant money transfers to mobile numbers or bank accounts. It also enables convenient bill payments for utilities, data recharges, and merchant payments via scanning.

Instant money transfersMobile and data rechargeUtility and bill payments
🔧 Utilities
(1.8K)
free
8
GTWorld
GTWorld
GTWorld
by Guaranty Trust Bank PLC
Free

Manage your mobile banking and finances with a redesigned application. Open accounts, transfer money, pay bills, and buy airtime all in one place. Features include biometric login, incognito mode, and card controls.

Open new accounts with selfie verificationBiometric and facial recognition loginIncognito mode to hide balances
💰 Finance
(45K)
free
9
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
💰 Finance
(14K)
free
10
MTN MoMo
MTN MoMo
MTN MoMo
MoMo
Free

Easily send money to friends and family, top up airtime, and purchase bundles. This app also allows you to pay bills and merchants, offering a comprehensive solution for managing your finances and tracking your money.

Send money to friends and familyTop up airtimePurchase bundles
💰 Finance
(572)
free
11
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(132K)
freemium
12
myMTN NG
myMTN NG
myMTN NG
MTN
Free

This app provides MTN Nigeria customers and non-customers access to a wide range of MTN products and services. It offers a streamlined shopping experience for managing accounts, purchasing airtime and data, and accessing lifestyle content like news and entertainment.

Login with social media or MTN numberBuy or borrow airtime and dataReal-time account balances
📊 Productivity
(14K)
free
13
Meta Business Suite
Meta Business Suite
Meta Business Suite
by Meta Platforms, Inc.
Free

Manage your business presence across Facebook and Instagram. Create, schedule, and post content, engage with customers through unified messaging, and track performance with insightful analytics. Stay organized with notifications and a to-do list.

Create, schedule, and manage posts and storiesUnified inbox for messages and commentsAutomate responses
💼 Business
(491K)
ad-supported
14
MTN MoMo SA
MTN MoMo SA
MTN MoMo SA
MTN Mobile Money South Africa
Free

Manage your money easily and securely with this mobile finance app. Send money instantly, pay bills, buy airtime, and make purchases by scanning merchants. Register in minutes and avoid bank queues and carrying cash.

Secure money storageInstant money transfersAirtime and bundle purchases
💰 Finance
(1)
ad-supported
15
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

High-interest savings accountsAccessible instant loansBuy Now, Pay Later (0% interest)
💰 Finance
(10K)
free with in-app purchases
16
UBA Mobile Banking
UBA Mobile Banking
UBA Mobile Banking
by United Bank For Africa Plc
Free

Experience enhanced mobile banking with quick biometric login, faster navigation, and intuitive screens. Manage your finances on the go with features like an ATM locator, live chat support, and easy bill payment reminders.

Biometric quick loginFaster sliding menu navigationIntuitive screen design
💰 Finance
(12K)
free
17
Kuda Business
Kuda Business
Kuda Business
Kuda Business Banking App
Free

Open a business bank account in minutes and accept payments online or offline. Manage inventory, send invoices, and simplify expenses with virtual POS and expense cards. This app offers a comprehensive suite of tools for Nigerian freelancers and SMEs to manage their finances and operations.

Open business bank accountAccept online/offline paymentsInstant settlement
💰 Finance
(983)
free
18
OVO
OVO
OVO
by Visionet Internasional, Pt
Free

This all-in-one app simplifies payments and savings for everyday needs and online shopping. Enjoy secure, fast transactions with numerous rewards, including cashback and discounts. Upgrade to access exclusive deals and bonus points.

Secure and fast mobile paymentsCashback on transactionsExclusive discounts and deals
💰 Finance
(328)
free with in-app purchases
19
HellOOpay Agent
HellOOpay Agent
HellOOpay Agent
HellOOpay
Free
🛍️ Shopping
(0)
20
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.

Secure UPI paymentsInternational UPI paymentsMobile and DTH recharges
💰 Finance
(39K)
free with in-app purchases

FAQ about Opay Merchant

What are the best opay merchant apps for iPhone?
OPay Business tops our opay merchant apps ranking as of July 2026, with a 3.6-star average from 465 App Store ratings, and it's free to download.
Yes — 20 of the top opay merchant apps we rank are free to download, including OPay Business and Moniepoint Personal Banking.
OPay Business has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 220+ opay merchant apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
The OPay Business app is designed for Nigerian retail businesses to manage their finances and operations. It provides tools for collecting payments through various methods, managing employees and stores, applying for and managing POS devices, and accessing over 200 billers for services like airtime and utilities.
Key features include omnichannel payment collection, a unique account for receiving transfers, easy application and management of OPay POS devices, the ability to manage branches and employees within one app, downloading insightful business statements and reports, and access to over 200 billers for essential services.