APIs
Budpay vs Opay
A verified, side-by-side comparison. Both records are status-checked by Wycord, so you are comparing what each actually offers today, not a stale listing.
Category
APIs
APIs
Type
Payments
Payments
Country
🇳🇬 Nigeria
🇳🇬 Nigeria
Docs status
Docs live
Docs live
Licensing
Pricing
~1.5% domestic / transaction
~1.5% domestic / transaction
Verified
Verified
Verified
Last verified
10 Oct 2026
10 Oct 2026
Tags
payments, crypto, consumer
payments, ussd, qr
Summary
Consumer-first payment provider that also supports crypto payments. Growing fast; JS SDK only.
Large-scale Nigerian payments provider supporting USSD, QR and web payments. Limited SDK coverage.
Budpay vs Opay at a glance
Budpay and Opay are both listed under Payments in Wycord's APIs index.
Both are based in Nigeria.
Both currently show the status "Docs live".
On access, both are marked "No approval needed".
Over the last 30 days Wycord's probes measured 100% uptime for Budpay (36 checks) and 100% for Opay (36 checks).
Average response time on live probes was 293 ms for Budpay and 719 ms for Opay.
Uptime and latency come from Wycord's own probes of each resource's website, documentation and repository, run every six hours.
How they differ
- Average latency: Budpay, 293 ms; Opay, 719 ms.
Topics
Both are tagged: payments.
Only Budpay: crypto, consumer.
Only Opay: ussd, qr.
Common questions
- Which has better uptime, Budpay or Opay?
- They are level at 100% over the last 30 days.
- Do Budpay or Opay need approval before use?
- Both are marked "No approval needed".
- Is the documentation for Budpay and Opay working?
- Both show "Docs live" at the last check.
- Where are Budpay and Opay based?
- Both are based in Nigeria.