How to Get Opay ATM Card, Can I Use Opay Card for Online Payment?

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If you’re an OPay user, you might want to know how to apply for Opay Atm Card or you might be wondering if you can use your OPay card for online transactions. The good news is, yes, you can!

OPay ATM card is a debit card that is linked to your OPay wallet. You can use the card to make purchases at any merchant that accepts Verve cards, including online retailers.

The OPay card serves as a convenient gateway to the digital shopping world, allowing you to make online purchases with ease.

In this guide, we’ll walk you through the process of applying for Opay ATM Card and using your OPay card for online payments and provide you with a list of online platforms that accept it.

How to Apply for OPay Card

Getting OPay ATM card is a straightforward process. In this section we’ll walk you through the steps to apply for OPay card without the need for any complicated jargon.

Method 1: Applying Online for Your OPay ATM Card

The first way you can apply for opay atm card is through their app. Let’s see how to do that

Step 1: Open the OPay App

Start by launching the OPay app on your smartphone and sign in to your OPay account. If you don’t have the app yet, you can download it from your device’s app store and create an account.

Step 2: Access the “Me” Tab

Once you’re logged in, navigate to the “Me” tab within the app. This is where you’ll find various options related to your account settings and transactions.

Step 3: Request Your OPay Card

Under the “Me” section, look for the “Request for OPay Card” option. Tap on it to initiate the card application process.

Step 4: Complete the Application Form

You’ll be presented with an application form that you need to fill out. Make sure to provide accurate information as it will be used for card issuance and delivery.

Step 5: Submission and Payment

After filling out the application form, submit it as instructed. To obtain your OPay ATM card, you will need to pay a card issuance fee of N700. Ensure you have sufficient funds in your OPay wallet to cover this cost.

Step 6: Card Delivery

Sit back and relax. Your OPay ATM card will be delivered to your specified address within 7 working days. Once it arrives, you can activate it and start enjoying the benefits.

Method 2: You can get OPay Card at any Opay Agent Location

You can choose to apply for your OPay ATM card in person at an OPay agent location. Here’s how:

Step 1: Gather Required details

Before heading to the agent, ensure you have the following documents and fees:

– A valid ID for identification
– N700 for the card issuance fee.

Step 2: Visit an OPay Agent

Locate a nearby OPay agent location and visit them with your documents and fee in hand. The agent will assist you in completing the application process.

Step 3: Application and Card Issuance

With the help of the agent, fill out the necessary application form. Once the form is completed, the agent will initiate the card issuance process.

How to use OPay Card for Online Payments

Can you use opay card for online transactions? Yes you can. To make an online payment with your OPay card, you’ll need to follow a few simple steps:

1. Where are you buying from?: Go to the website or app of the online retailer that you want to make a purchase from.

2. Select product or service: Select the item or service that you want to buy and add it to your cart.

3. Checkout: Proceed to checkout and select the payment method.

4. Enter Card Details: When prompted during the checkout process on an online retailer’s website or app, enter the following details:

  • Card Number
  • Expiration Date
  • CVV Number

5. Billing Address: Some online retailers may require you to enter the billing address associated with your OPay Verve card. Make sure to provide accurate information.

6. Complete Payment: After entering the necessary information, click or tap the “Complete Payment” or equivalent button. Your payment will then be processed.

7. Funds Deduction: The funds for your purchase will be deducted from your OPay wallet and transferred to the merchant’s account. It’s a seamless process that ensures a hassle-free online shopping experience.

Checking Merchant Acceptance

While OPay cards are widely accepted, it’s important to note that not all online retailers may support this payment method.

To avoid any surprises, it’s a good practice to check with the merchant before finalizing your purchase. Here are some well-known online platforms that do accept OPay cards:

  • Jumia
  • Konga
  • Travelbeta
  • Amazon
  • eBay
  • AliExpress
  • Spotify
  • Netflix
  • Apple Music

If you’re uncertain whether a specific online retailer accepts OPay Verve cards, don’t hesitate to reach out to them directly. Most merchants provide customer support and can clarify their payment options.

Keep in Mind

Here are some of the things to keep in mind when using your OPay Verve card for online payments:

Make sure that the online retailer accepts OPay Verve cards. You can check this by looking for the Verve logo on the website or app.

Be careful when entering your card information. Make sure that you are on a secure website before entering your card number, expiration date, and CVV number.

Keep your card number and CVV number confidential. Do not share them with anyone.

Report any unauthorized transactions to OPay immediately

Here are some additional tips for using OPay Verve card for online payments:

  • Make sure that your OPay app is up to date.
  • Use a strong password for your OPay account.
  • Enable two-factor authentication for your OPay account.
  • Keep your OPay wallet balance topped up.
  • Only make purchases from trusted online retailers.
  • Be careful of phishing emails and websites.

By following these tips, you can help protect yourself from fraud and make safe and secure online payments with your OPay Verve card.

Benefits of having Opay Atm Card

Here are the benefits of having an OPay ATM card:

  • You can use it to withdraw cash from ATMs.
  • You can use it to make payments at merchant POS terminals.
  • You can use it to make online payments.
  • You can get cashback on airtime and data recharges.
  • You can get up to 10 free ATM withdrawals per month.
  • There is no maintenance fee for the card.

Opay Card Limit

The OPay card comes with some limits which are as follows:

  • Daily ATM withdrawal limit: N20,000
  • Weekly ATM withdrawal limit: N150,000
  • Daily POS transaction limit: N 200,000
  • Monthly POS transaction limit: N5 million
  • Daily online transaction limit: N50,000
  • Monthly online transaction limit: N5 million

These limits may vary depending on your account status and usage patterns. You can check your current limits in the OPay app.

If you need to increase your limits, you can contact OPay customer support. They will need to verify your identity and financial standing before approving your request.

Here are some things to keep in mind about the OPay card limits:

  • The limits are applied per card. If you have multiple OPay cards, each card will have its own limits.
  • The limits are applied per day and per month. This means that you can only withdraw or spend up to the specified amount in a day or in a month.
  • The limits are subject to change. OPay may change the limits at any time without notice.


In a world where digital transactions have become the norm, the OPay Verve card empowers you to make secure and convenient online payments.

Whether you’re shopping for electronics on Jumia, planning your next trip with Travelbeta, or streaming your favorite tunes on Spotify, your OPay Verve card can be your trusted companion.

Just remember to verify merchant acceptance and enjoy the seamless online shopping experience OPay provides. Happy shopping!

All rights reserved. Do not copy, rewrite or republish this content, in part or in whole, without proper credit to the source.

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About the Author: Femi Olawole

Femi Olawole is a seasoned blogger with interest on providing helpful Contents on online loan apps, Tech and Business.

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