A Nigerian entrepreneur has raised concerns about OPay’s “potential risk” notifications, saying they are hurting her sales and dissuading clients from completing payments.
Entrepreneur Highlights the Issue
She explained that several of her clients receive “potential risk” alerts whenever they try to send money to her OPay wallet. The problem tends to appear when numerous individuals transfer funds to her account in a short span. While some users inform her about the warning, she suspects many others abandon the transaction silently, leading to unseen revenue loss.
Questioning Alerts on Low‑Value Transfers
Grace expressed bewilderment that even transfers under ₦10,000 are flagged by the system. She questioned why such small amounts would trigger warnings, noting that the notices could mistakenly signal that her account is risky.
“I would like to understand what exactly activates your potential‑risk alert when someone is about to send money to an account, particularly when the sum is not large (below ₦10,000). Whenever I experience a surge of incoming transfers in a brief period, I keep hearing from some users that they want to proceed but receive a warning from OPay.”
Considering Abandoning OPay for Business
She added that the repeated alerts have prompted her to think about stopping the use of her OPay account for commercial transactions. “I am certain that not everyone who sees the warning tells me; some likely give up and walk away without saying anything. That means my business is losing money without my knowledge. Please clarify why this happens, because I am on the verge of discontinuing OPay for these kinds of transfers. I know you aim to protect senders, but why should the recipient bear the cost? Flagging potential scams and risk alerts is a delicate matter when you are not sure the party is fraudulent. Please improve your system for the sake of entrepreneurs whose livelihoods may be affected… for my part, I will step away from OPay until I am confident the issue is resolved.”
Another Example Shared by the Entrepreneur
In a follow‑up post, Grace revealed that her sister also received the same warning while trying to send her just ₦2,500.
“This afternoon my sister attempted to send #2,500 to me and got that notification… only 2,500. One of my students who enrolled in my class this morning faced the identical problem and almost backed out, but she informed me and I encouraged her to complete the payment via PalmPay. I see no justification for a transaction under ₦50,000 to trigger your potential‑risk alert; it simply does not make sense.”
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