Best Opay Merchant Apps & Games

250+ iOS apps & games curated and reviewed

4.4 avg rating
20 free apps & games
Updated October 2026

OPay Business is the household name in opay merchant, but it's far from the only option. We track 250+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Opay Merchant Apps & Games (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OPay BusinessOPay BusinessFree3.6★ (857)NoNoOct 2026
2Xender: Transfer, Share FilesXender: Transfer, Share FilesFree4.1★ (18K)YesNoNov 2026
3Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (33K)NoNoNov 2026
4Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (130K)NoNoNov 2026
5Moniepoint Business BankingMoniepoint Business BankingFree4.6★ (16K)YesNoNov 2026
6Tam Tam PayTam Tam PayFree—NoNoOct 2026
7MTN MoMoMTN MoMoFree3.1★ (592)NoNoOct 2026
8Smartcash PSBSmartcash PSBFree3.9★ (2.1K)NoNoOct 2026

Top Picks for Opay Merchant

3.6😞(857 ratings)
Free
#99in 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 helps businesses manage payments, employees, and bills. It offers various collection methods, POS management, and access to over 200 billers for airtime, data, and utilities. Take your business to the next level with secure, profitable, and efficient financial services.

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
  • 🐛 Sub-account withdrawal not working on iPhone
  • 🐛 Business account transfer features removed for Apple users
  • 🐛 Unable to buy airtime and data
  • 🐛 Unable to pay bills
  • 🐛 App showing 'Coming Soon' instead of functional features
  • 🐛 Account freezing issues
  • 🐛 Frozen accounts not unfreezing
  • 🐛 'Upgrade to latest version' message with no available update
  • 🐛 Accept large transfer not working on iOS
  • 🐛 Cannot register Nigeria phone numbers
  • 🐛 OTP only available via SMS, not email
  • 🐛 Money stuck in accounts
  • 🐛 Discrepancies in account balance
  • 😞 Poor customer service response
  • 😞 Confusing UI between OPay and OPay Business
  • 😞 App slower than previous version
  • 😞 Less user-friendly than previous version
  • 😞 iOS version lacks features available on Android
  • 😞 Forced merchant account integration unwanted by users
Xender: Transfer, Share Files#2

Xender: Transfer, Share Files by Xender Team

File Sharing,Share Music,Video
Strong Contender
🔧 Utilities
4.1😐(18K ratings)
FreeAds
Xender: Transfer, Share Files screenshot 1
Xender: Transfer, Share Files screenshot 2
Xender: Transfer, Share Files screenshot 3
Xender: Transfer, Share Files screenshot 4
Xender: Transfer, Share Files screenshot 5

Instantly share files, photos, videos, and music between devices without needing an internet connection or USB cable. This app offers lightning-fast transfers across different platforms, including phones and computers, with a built-in music player and file manager.

What We Love

  • 🚀 Fast file transfer
  • 👍 Easy to use
  • 💡 Useful features like music player
  • 🚀 Reliable app

Room to Improve

  • 🐛 Crashes and bugs
  • 🔒 Privacy concerns
  • 🔋 High battery consumption
  • 👎 Deteriorating service quality
Moniepoint Personal Banking#3

Moniepoint Personal Banking by Moniepoint

Savings account | Send money
Worth Considering
💰 Finance
4.6😞(33K 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
  • 💸 Unexpected charges

More Opay Merchant apps to explore

FAQ about Opay Merchant

What are the best opay merchant apps & games for iPhone?
OPay Business tops our opay merchant apps & games ranking as of October 2026, with a 3.6-star average from 857 App Store ratings, and it's free to download.
Yes — 20 of the top opay merchant apps & games we rank are free to download, including OPay Business and Xender: Transfer, Share Files.
OPay Business has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 250+ opay merchant apps & games on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.