Cancellation service #1 in Nigeria
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Opay service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Owealth on Opay: Easy Method
What is Opay
Overview
OPay is a Nigerian mobile payments and financial services platform that lets individuals and businesses send money, pay bills, use POS services and manage a digital wallet.
The service is delivered via a mobile app, USSD code and web interfaces and is widely used for retail payments and merchant services across Nigeria.
Core functions
OPay provides wallet storage, transfers, merchant POS integration and basic financial tools such as savings features and bill payments.
The platform connects to Nigeria’s banking and payments infrastructure and operates under its own terms of service and internal dispute rules.
How to cancel Opay
Prepare your account
- Transfer out any remaining funds from your OPay wallet to a bank account or another wallet.
- Ensure you stop any recurring services and unlink cards where applicable before requesting closure.
- Wait for the account to be inactive for at least 15 days if required by OPay’s closure conditions.
Request closure
- In-app: Open the OPay app, go to Account Settings, then use in-app Support or Help to request account deletion or deactivation.
- Email: Send a deletion request to OPay support (e.g., customerservice@opay-inc.com) with your account details and proof of fund transfer.
- Security/blocking: If your device is lost or account compromised, use USSD or call OPay support immediately to restrict the account first.
What happens when you cancel
Access and reactivation
Once OPay confirms account closure the account is deactivated and cannot be reactivated.
The phone number used for the closed account may not be reused to open another OPay account.
Data and records
OPay will retain transaction records and account data as required by its policies and applicable law for dispute resolution and regulatory compliance.
You should download or save any required receipts or statements before closure; access to the app and history may be lost after deletion.
Will I get a refund?
General policy
OPay’s Terms of Service do not provide a general 14-day cooling-off or automatic refund right for service cancellation.
Refunds and reversals depend on transaction type, internal chargeback rules, recipient cooperation, and card-scheme or bank processes.
Common exceptions
- OPay may recover amounts by invoking chargeback or debit rights against your wallet to recover losses or costs.
- If funds were sent to the wrong recipient, OPay cannot always reverse the transfer automatically; recipient consent or bank/legal action may be required.
- Chargebacks for card transactions follow card network rules and are handled case-by-case.
Opay plans and pricing
Summary
Public pricing for OPay’s consumer services in Nigeria is typically quoted in Nigerian Naira (₦).
No verified pricing in EUR for 2024/2025 was found in available sources.
Price table
| Plan / Service | Typical Price (NGN) |
|---|---|
| Wallet account | Varies |
| POS merchant services | Varies |
| Business / merchant plans | Varies |
Your consumer rights in Nigeria
Contract and platform terms
OPay’s customer relationship is governed by its Terms of Service which set out chargeback, debit and refund rules.
These contractual terms limit automatic consumer cancellation rights compared with statutory cooling-off provisions for some other services.
Regulatory avenues
If OPay cannot resolve a dispute, you may escalate to your bank (for interbank transfers) or to national regulators such as the Central Bank of Nigeria or the Federal Competition and Consumer Protection Commission (FCCPC).
Formal complaints to regulators may be necessary where funds cannot be recovered via OPay’s internal processes.
Customer experiences
Positive feedback
Many users praise OPay for fast and convenient transactions, low or zero-fee transfers in some cases, and features like “spend and save.”
Users often appreciate the speed of wallet-to-wallet transfers and the broad merchant acceptance.
Negative feedback
Frequent complaints include funds debited despite failed POS transactions and slow or unsuccessful refunds.
Other issues reported are app downtime, crashes, delayed notifications and unresponsive customer support channels.
Documentation checklist
Before you request cancellation
- Valid government ID (national ID, driver’s license, or passport).
- Active phone number tied to the account and verification SMS screenshots if needed.
- Proof of transfer of remaining wallet balance (bank transfer receipts or wallet transaction screenshots).
When contacting support
- Account username or registered email address and phone number.
- Clear written request stating you want account deletion or deactivation.
- Relevant transaction IDs, screenshots of issues and any correspondence with OPay support.
Common mistakes
Not clearing the balance
Many users try to close accounts without transferring out wallet funds first; this delays or prevents closure.
Always move funds out and retain proof before submitting a closure request.
Assuming automatic reversals
Users often expect quick reversals for wrong transfers; OPay cannot always reverse interbank errors without recipient cooperation or bank/legal intervention.
Do not rely on immediate refund guarantees; act quickly and supply transaction details to support.
Comparative recap
At-a-glance comparison
| Feature | OPay | Typical Bank Account | Other Nigerian e-wallet |
|---|---|---|---|
| Account closure process | Requires fund transfer and inactivity; request via app or email | Closure often requires branch visit or written request to bank | Varies by provider; some allow in-app requests |
| Refunds / reversals | Case-by-case; chargebacks and recipient cooperation needed | Banks can reverse based on error investigations and legal request | Similar limits; depends on provider and transaction rails |
| Support responsiveness | Mixed reviews: fast resolution for some, slow for others | Often formal but slower; regulated complaint channels exist | Varies; some have better chat support, others less reliable |
After cancelling
What to do next
Save or export any final statements and transaction receipts before your account is closed.
Monitor your bank accounts and cards for unexpected debits after closure in case of pending chargebacks.
Useful links
- OPay official website
- Email OPay support
- Central Bank of Nigeria (regulatory information)
- Federal Competition and Consumer Protection Commission (FCCPC)
Address
Headquarters (correspondence)
Alexander House, Plot 9, Dr. Nurudeen Olowopopo Avenue, Alausa, Lagos.
Use the address above for postal correspondence; for account actions, prefer in-app support or the support email.
Notes on contacting
If your phone is stolen or you suspect fraud, use OPay’s urgent blocking options such as USSD (*955# → manage account → restrict account → block debit transaction) and contact support immediately.
Keep copies of sent emails and reference numbers from any support chats when escalating a dispute.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.