OPay is a mobile payment platform that allows you to send and receive money, pay bills, buy airtime, and more, all from your smartphone. It's fast, secure, and convenient.

To create an OPay account:

1. Download the OPay app from Google Play Store or Apple App Store
2. Open the app and tap on "Register"
3. Enter your phone number and follow the verification process
4. Set up your PIN and complete your profile

Yes, OPay is free to download and use. However, some transactions may attract minimal fees which will be clearly displayed before you complete the transaction.

To reset your PIN:

1. Open the OPay app and tap on "Forgot PIN"
2. Enter your registered phone number
3. Verify your identity with the OTP sent to your phone
4. Create a new PIN and confirm it

If your phone is lost or stolen:

1. Immediately contact your mobile network provider to block your SIM card
2. Contact OPay customer support to temporarily freeze your account
3. Once you have a new phone, you can reactivate your account by verifying your identity

Transfers to other OPay users are instant. Transfers to bank accounts typically take a few minutes but may take up to 24 hours depending on the bank.

Transaction limits vary based on your account verification level:

• Basic Account: ₦50,000 daily limit
• Verified Account: ₦300,000 daily limit
• Premium Account: ₦1,000,000 daily limit