EBANX has gone live with OPay Direct Debit, a new way for global subscription businesses to collect recurring payments from Nigerian customers. Announced on 22 October 2026, the integration makes EBANX the first global payments company to offer the service, according to the companies.
Merchants using EBANX can enable OPay at checkout. Customers can then authorise recurring deductions through the OPay app without approving each payment manually.
How OPay Direct Debit Works
Customers give a one-time authorisation inside the OPay app. After that, merchants can collect future subscription charges without the customer being present or re-entering payment details each time.
OPay says this keeps users in control of their subscriptions while giving them a simple way to pay for global digital services, from streaming platforms to online tools.
A Route to 40 Million OPay Users
The integration gives merchants access to OPay’s 40 million monthly active users, which the companies say is roughly one in three adults in Nigeria. OPay, a digital bank that launched in Nigeria in 2018, lets customers pay through its digital wallet and bank transfers.
Targeted merchants include streaming services and software-as-a-service providers, businesses that depend on subscription billing.
Why Cards Are Not Enough in Nigeria
EBANX argues that card-based recurring billing leaves many Nigerian consumers out. Its release cites figures showing that only about 5 percent of Nigerian adults own a credit card, while mobile phone penetration is around 84 percent.
EBANX also cites data showing that about 95 percent of online spending in Nigeria comes from consumers without a credit card. Digital wallets and bank transfers together account for roughly 65 percent of e-commerce volume.
EBANX puts Nigeria’s e-commerce market at $30 billion, the largest in Africa, and projects that 32 million more Nigerians will join the consumer class by 2036. These figures come from the company’s own analysis of third-party data.
Part of a Wider Recurring Payments Push
The launch follows a similar EBANX project in South Africa, where Canva became the first international company to offer recurring payments through Capitec Pay’s account-to-account solution. EBANX says the OPay integration extends the same strategy to Nigeria.
With the two launches, EBANX now offers recurring alternative payment solutions in 13 emerging markets across Asia, Africa and Latin America. The company says this puts more than one billion consumers who use local payment methods within reach of global merchants.k.
