Can my OPay Account be Tracked? [Revealed]

Online privacy is a growing concern for many people today. As we conduct more of our financial, social, and work lives online, we naturally start to wonder – just how much of our activity can be tracked?

In this post, we’ll explore whether OPay, a popular online payment app, can track your activity and purchases. With mobile payment apps like OPay, Venmo, CashApp and others becoming increasingly common, it’s important to understand how much of your data is being collected behind the scenes

OPay and Online Tracking

OPay is a mobile payment app launched in 2018 that lets users make payments, transfer money, and more. Based in Lagos, Nigeria, OPay reached $2 billion in transaction volume as of 2020.

Like many apps and online services today, OPay likely collects data about its users’ activity both within the app and possibly beyond it as well. Tech companies utilize tracking for various reasons – to improve their service, target advertising, and even sell data to other parties in some cases.

While tracking can have benefits, many individuals understandably want to limit how much of their personal data is being monitored or shared by apps like OPay. We will analyze what OPay specifically might be able to see about your transactions and activity.

What Type of Data Does OPay Collect?

To start using OPay, you need to provide some personal information during signup, such as:

  • Full name
  • Email address
  • Phone number
  • Date of birth

This data is necessary to create your account. OPay’s privacy policy states that they may share your info with third party service providers to conduct ID verification and fraud detection.

Once your account is set up, OPay also collects data about your activity within the app, such as:

  • Transaction details (sender, recipient, amount, date/time, etc.)
  • Location data
  • Device information
  • Contacts you connect with
  • Other app features you use

This data allows OPay to deliver their service and customize the user experience. It may also be used for marketing purposes or shared with business partners.

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Can OPay See My Purchase History?

Yes, OPay can view details about the transactions you conduct through their platform. Whenever you use OPay to shop online, pay bills, send money to a friend, or use any other services, OPay gains access to:

  • The name/details of who you paid
  • The amount transferred
  • Date and time
  • Any related notes or memo for the payment

Your OPay purchase and transfer history is visible within your account dashboard and transaction records. OPay states this data may be kept on file for dispute resolution, auditing, or legal purposes.

So in summary, any payments, transfers, or transactions made directly with OPay can be viewed by OPay. However, they supposedly cannot see your full bank purchase history or activity you conduct with other apps/payment services.

Does OPay Share Data with Third Parties?

According to OPay’s privacy policy, they may share users’ personal information and transaction data with third parties in certain situations, including:

  • Service providers: OPay may provide info to vendors who support aspects of their business – such as data analytics, fraud prevention, marketing, etc. However, OPay claims these third parties are restricted from using data for their own purposes.
  • Legal requirements: OPay may share data with law enforcement, government agencies, or third parties when complying with legal orders/processes, fighting fraud, or protecting users.
  • Business transfers: If OPay were to sell part of its business, user data may be shared or transferred as part of the acquisition.

Users must agree to this potential data sharing when they enable various OPay services or features like personalized ads, social integration, etc.

However, OPay states that they do not sell your personal information to third parties without your consent. So you can likely limit data sharing by carefully controlling which permissions are enabled.

Tips for Using OPay More Privately

If you want to maximize your privacy when using OPay, here are a few precautions you can take:

  • Limit linked accounts/apps: Connecting your OPay account to social media, other finance apps, contacts, etc. allows more data to be tracked. Avoid linking accounts unless necessary.
  • Turn off personalized ads: Opting out of tailored advertising means your activity data cannot be used for this purpose. Look for this setting in your account.
  • Use privacy-friendly payment memos: The memo or notes you include with OPay payments could reveal information about your purchases/activity. Consider keeping memos generic rather than specific.
  • Monitor permissions: Be selective when enabling optional app permissions like location, contacts, camera, etc. Disable any permissions that OPay doesn’t need.
  • Use privacy-focused security: Options like passcodes, 2FA, and biometrics can help protect your account from unauthorized access. Don’t share login info.
  • Review privacy policy: Stay up to date on OPay’s data practices, third-party sharing allowances, opt-out choices, and contact info for privacy concerns.
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The Bottom Line: Limiting Tracking on Your OPay Account

To summarize, OPay does collect personal and transactional data about its users by default in order to deliver and improve their services. However, OPay claims not to sell your data to third parties without permission.

If you wish to minimize the amount of information OPay can collect and share, you have options like limiting linked accounts, disabling personalized ads, using generic payment memos, and limiting optional permissions. But some basic data sharing is likely unavoidable if you choose to use OPay or similar services.

Many individuals see benefits in using a payment app like OPay despite some inevitable data collection. But reviewing the app’s privacy protections, being selective when granting permissions, and limiting your links to other services can help keep your activity and information more private.

FAQs About OPay Tracking

Can OPay see all my bank transactions?

No. OPay only has access to transaction details conducted directly through their app, not other external bank account activity.

Does OPay sell my data to advertisers?

OPay claims not to sell your information to third parties without consent. However, they may share data anonymously or in aggregate to inform advertising systems.

Can I use OPay without providing personal information?

No. You need to register with details like your name, phone number, and email to set up an OPay account. This allows OPay to verify your identity.

Can the government or police request my OPay data?

Yes. Like other tech companies, OPay may provide user data to law enforcement if required by valid legal orders or processes.

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Can I permanently delete my OPay account?

Yes. You can request account deletion, however OPay may retain some transaction records as required by law. Data from deleted accounts is de-identified.

Does OPay read my private payment messages?

OPay states they have automated systems that analyze payment memos for fraud, spam, and suspicious activity. But employees should not manually read your private memos or notes.

Can I use OPay anonymously?

No. OPay requires you to register with your real identity information. For more anonymous payments, a service like cryptocurrency might be better. But know the risks.

Does OPay sell transaction data to banks or financial institutions?

No. OPay does not share your transaction data with banks, credit bureaus, or other financial institutions according to their privacy policy.


Maintaining privacy online involves understanding how our data is collected and used by the apps and sites we interact with daily. Services like OPay aim to provide visibility and control over your information, but still gather certain usage data by default. Taking steps to limit your sharing settings, permissions, linked accounts, and other privacy precautions can help restrict tracking and protect your personal details. But connecting any app or site to your financial life inherently reveals some aspect of your activity to their systems. Evaluate your comfort level with their privacy standards before use.


  • Adekiya Joscor

    Am a Tech blogger | Content Writer | Website designer | Freelancer | YouTuber. Need any of my help? Use any of the social handles below to get to me.

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