Quick answer
If an OPay transfer shows successful but the receiver did not get money, save the OPay receipt, reference, date, amount and receiver details, ask the receiver to check their statement, then use OPay's official support or transfer-dispute route.
This guide is written for Nigerians who need a practical next step. It gives the direct answer first, then shows what to verify, what to prepare, what mistakes to avoid and which related Explainer.NG pages can help.
Check both sides
The sender should check OPay transaction history and download or screenshot the receipt. The receiver should check their bank app or statement for the same amount and time.
If the receiver only checked SMS, ask them to check the actual statement. Alerts can fail even when credit arrives, and credit can also delay.
Merchants should release goods only after confirming value in their own account.
If the receiver later gets the money after a second payment has been made, both sides need the original references to identify and refund any duplicate value.
- OPay receipt
- Receiver statement
- Amount and time
- Beneficiary bank
- Reference number
Use official OPay support
Use the official OPay app, website or customer-support channels. Do not contact phone numbers from social media comments claiming to reverse transfers.
A real support process should not ask for your password, OTP, PIN or card CVV.
If the transfer went to another bank, tracing may involve both OPay and the receiver's bank.
Write down the dispute ticket and the exact response from support. If you need to escalate later, that trail matters more than repeated chat screenshots.
When to escalate
If OPay or the bank does not resolve, keep the ticket number and support replies.
Escalate with a clear timeline and evidence. State whether you want reversal, credit confirmation or written trace outcome.
If you paid again, preserve both receipts so duplicate credit can be identified later.
For merchant disputes, keep the order chat, delivery note or receipt so the financial complaint is tied to the actual transaction.
Checklist
- Save OPay receipt
- Ask receiver for statement check
- Use official support
- Get ticket number
- Avoid fake support
- Track duplicate payment risk
People also ask
Should I send the money again?
Avoid duplicate payment unless urgent and documented.
Can OPay reverse it?
If the transfer failed or cannot be completed, reversal may happen after review.
What if receiver's bank says no credit?
Add that evidence to the OPay or bank dispute.
Can I complain to CBN?
Start with the provider, then escalate unresolved regulated financial complaints.
What details are needed?
Reference, amount, date, receiver account and screenshots.