Many people who use Opay POS machines ask the same questions every day.
“How much does Opay charge per withdrawal?” “Why is my charge different from another agent?” “Is this the real Opay charge or someone is cheating me?”
That is why I decided to write this detailed post.
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This article explains everything about Opay POS charges, in a very simple way that anyone can understand, even a child.
I will not use big grammar or confusing words.
I will explain everything clearly, just like I am talking to you face to face. You can Read my Last Post: How to Create Opay Business Account and Upgrade It to Merchant (Step by Step Guide)
What Is Opay Pos Charge?
Opay POS charge is the small amount of money that Opay collects whenever a customer withdraws money from your POS machine.
For example, when someone withdraws ₦5,000 from your POS, Opay will remove a small amount from that transaction as their charge.
What remains is what you keep or what you share with the customer, depending on how you run your business.
Why Opay Charges Are Not The Same For Everyone
Opay has different POS levels.
That is why two POS agents can withdraw the same amount, but their charges will be different.
There are three main Opay POS Levels:
- Regular
- Gold
- Platinum
Each one has its own charge rate.
Full Opay Pos Charges Table (Updated)
Below is the correct and complete Opay POS charges as currently used.
| Withdrawal Amount (₦) | Regular (₦) | Gold (₦) | Platinum (₦) |
|---|---|---|---|
| 1 – 3,000 | 0.5% | 0.45% | 0.43% |
| 3,001 – 4,000 | 20 | 18 | 17 |
| 4,001 – 5,000 | 25 | 22.50 | 21.25 |
| 5,001 – 6,000 | 30 | 27 | 25.55 |
| 6,001 – 7,000 | 35 | 31.50 | 29.75 |
| 7,001 – 8,000 | 40 | 36 | 34 |
| 8,001 – 9,000 | 45 | 40.50 | 38.25 |
| 9,001 – 10,000 | 50 | 45 | 42.25 |
| 10,001 – 11,000 | 55 | 49.50 | 46.75 |
| 11,001 – 12,000 | 60 | 54 | 51 |
| 12,001 – 13,000 | 65 | 58.50 | 55.25 |
| 13,001 – 14,000 | 70 | 63 | 59.50 |
| 14,001 – 15,000 | 75 | 67.50 | 63.75 |
| 15,001 – 16,000 | 80 | 72 | 68 |
| 16,001 – 17,000 | 85 | 76.50 | 72.25 |
| 17,001 – 18,000 | 90 | 81 | 76.50 |
| 18,001 – 19,000 | 95 | 85.50 | 80.75 |
| 19,001 – 20,000 | 100 | 90 | 85 |
| 20,000 and above | 100 | 90 | 85 |
Simple Explanation Using Real Examples
If a customer withdraws ₦10,000 from your POS:
- Regular account will pay ₦50
- Gold account will pay ₦45
- Platinum account will pay ₦42.25
That is the difference.
Another example:
If a customer withdraws ₦20,000:
- Regular pays ₦100
- Gold pays ₦90
- Platinum pays ₦85
This is how Opay calculates charges.
Nothing is hidden.
Important Things You Should Know
• The charges are taken automatically
• You do not need to calculate anything manually
• The amount is removed instantly once the transaction is successful
• Charges may change if Opay updates their policy
Why Many People Search For Opay POS Charges
Many POS agents want to know:
- How much they are being charged
- Whether the charge is fair
- How much profit they can make per transaction
That is why this information is very important, especially for people running POS business daily.
Conclusion
This post is written to help you clearly understand Opay POS charges without confusion or stress.
No exaggeration. No hidden meaning. Just clear facts.
If you save this page, you will always know how much Opay charges for every transaction amount.
If you want more clear guides like this, I will keep sharing them in simple words that everyone can understand.
This post was written by Prudent Joshua for BANKIBUSINESS.COM.
I am a licensed Opay Aggregator, and you can get your Opay POS directly from me by contacting me on WhatsApp at 07025557344.
