If you accidentally send money on OPay, you can try to reverse it, but there are specific conditions. OPay can’t directly reverse a transaction, but they’ll help you by getting in touch with the person who received the money and asking them to refund it. This process only works if the money was sent between two OPay accounts. If you made an inter-bank transfer, you’ll need to reach out to the person who got the money yourself. If they don’t cooperate, you might have to get legal advice or ask their bank for help.
The recipient's bank will then invite the person to bank to explain and proof the ownership of the fund that was transferred to his/her account on the date the transaction was initiated. However, before it get to this stage, make sure you've inform OPay about this through their hotlines; 0700 888 8328 or 01 888 8328, email; support@opay-inc.com, or in-app support.
Initiating a Refund/Reversal
If you need to contact OPay support or the recipient's bank to reverse a transaction, it’s important to have all the right details ready. This includes things like the Transaction ID, Session ID, or Reference Number. You’ll also need to know exactly when the transaction happened, how much money was involved, and have the recipient's details, along with your own account information. Having these ready will make the process smoother and faster. Because having those information at hand will make it easier for customer support to quickly trace the transaction in the bank system and resolve any issues efficiently.
When explaining the issue to the support team, be clear and concise. Clearly state the reason for your reversal request, whether it’s due to a wrong transaction, a duplicate payment, or another issue. Being specific will help expedite the process and increase the likelihood of a successful resolution.
After submitting your request, be proactive in following up with the customer support team if you do not receive a response within the expected timeframe. It’s also advisable to keep records of all your communication for future reference.
Acting quickly is crucial, as the chances of reversing a transaction decrease over time. If the recipient is someone you know, it’s a good idea to contact them directly to ask for the return of the funds. However, remember that not all transactions can be reversed, especially if the recipient has already withdrawn or spent the money. Following these steps will assist you in initiating a reversal request with OPay.
Does OPay Refund Money?
Unfortunately, if you've sent money through OPay to a wrong account, it cannot be retrieved through OPay itself. The only way to obtain a refund is if the recipient of the funds agrees to send the money back to you. If the recipient does not return the funds, OPay will not be able to process a refund for you until you take permission from the recipient's bank. To initiate a refund from the recipient's bank, you'll need a court affidavit, and proof of the transactions.
If a transaction is made via POS and the funds don’t appear in your OPay wallet, report it right away through the Support tab in the OPay app. Make sure to provide the transaction number and a screenshot of the transaction receipt. Once reported, the reversal is usually processed instantly, and the funds should show up in the cardholder's account without delay.
In conclusion, if you encounter issues with a transaction made through OPay—whether it's a missing credit in your wallet or a need for a reversal—it's crucial to act swiftly. Report any discrepancies using the Support tab in the OPay app, providing necessary details such as the transaction number and receipt screenshot. Reversals are processed instantly to the cardholder’s account. However, if the funds were sent to another person, you will need their cooperation to return the money, as OPay cannot reverse the transaction on its own.
