Have you ever tried making a transaction on the Opay app before and get an error message like Opay transaction failed? It might be a transfer, withdrawal, or utility purchase? Yes! It can be frustrating and tiring. Especially in an emergency and that is your last hope of getting money.
Well you don’t need to bother, we are here to explain why this happens and also help you get around this. First we call these error messages, and quite like other error messages, they have codes.
These codes help the developer to be able to assist you with the right help as he would be able to determine the exact fault using the code identity.
Now to better understand the whole failed transactions on the Opay application, we would have to go into the possible causes of such error.
Possible Causes Of a Failed Transaction
- Bad network from ISP
Having a network downtime or a bad network from your internet service provider, can cause a Opay transaction failed. Reason being that the Opay application, is an online functional application which means it needs to have direct access to the internet to be able to work effectively and when it doesn’t get that access, it would not carry out its functionalities perfectly well of which transactions are one of them.
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- Incomplete KYC details
It is important to fill in your KYC details completely and as accurate as possible. It is advisable to avoid imputing wrong details, as the system will detect it as a fraudulent activity, which will likely lead to your account being suspended or to you having to experience challenges and difficulties while trying to make transactions via the Opay application.
Your KYC details are the company’s means of being able to verify their users and also be able to keep database of its users in cases of fraudulent activities; they can get the right suspect. As such, the KYC details is a must and no matter how hard a user may try to avoid it, certain functionalities will be restricted from the user till the KYC details are completely imputed.
- Incorrect Transfer pin
This is another cause of Opay transaction failed as It is requested of the user, to impute his or her pin. This is as a security measure to ensure that the transaction about to be executed is to be directly done by the main owner of the account and not by anyone else.
This reason is why as a user you are advised to keep your pins safe and also impute a pin that you can easily recall, if possible to write it out somewhere safe that you can always reference to in a situation where the pin is needed and you cannot recall. Inputting a wrong pin, will lead to a failed transaction as the system will likely flag the account for fraudulent activities, and this will likely lead to your account being suspended or blocked until proper verification.
- Network issues from Bank
This is a very common experience, especially in Nigeria, bank networks tend to fluctuate thereby causing a whole lot of discomfort and inconvenience.
This may be due to several factors, but as a result of a bank having network issues, a user of the Opay platform, will most likely experience Opay transaction failed error.
Especially in a card withdrawal, if the issuing bank has a network issue, that transaction will indefinitely be declined, and might sometimes lead to a debit notification without crediting the other account, but no need to worry, as it would definitely revert back after 24 to 48 hours.
- Incorrect one time password (OTP)
In a situation where the merchant, is using a 3D payment gateway, it is mandatory to impute a onetime password, commonly known as OTP. This password will be sent to the customer via the phone number linked to his or her bank verification number mostly known as BVN.
You are then expected to impute this code which sometimes is a six digits or eight digits code, depending on the issuer.
Once this code is imputed, and it is correct, the transaction goes successfully. But in a situation where the password is incorrect, you will get a failed transaction using the Opay platform.
How to solve Opay Transaction Failed
- Ensure you Keep the Transaction Print Out
If you are faced with this type of Situation, you are expected not to discard the transaction slip, but you are to keep it so you can take it to your bank and report that you had a Opay transaction failed or a declined transaction. The slip is an evidence that the transaction was done.
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Carry out the Transaction Using a Good network
Ensure that when you wish to carry out a transaction, you have a good network access, and also that it is smooth and fast. This would help in fostering a smooth transaction, as the Opay application, is an online only access mobile application.
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Complete KYC and Upgrade your account
Ensure to complete your KYC document, this way the Opay platform can verify you and allow you to carry out transactions. Endeavour to upgrade your account as there are limits to the amount you can transact with if your account has not yet been upgraded. And this also can cause an error in transaction, thereby leading to a transaction failed message.
- Ensure the transfer Pin is correct
An incorrect pin will return a transaction failed message, causing Opay transaction failed as such it is advisable to ensure that your transfer pin, is correct and also do the best you can, to keep this pin safe and secured and also known to only you, as it would prevent you from losing your money due to an illegal or strange access.
- Ensure the issuing Bank has no network issue
As a user who has no job or affiliation with the bank, other than being a customer, you might not know if the bank has network issues or not. But it is advisable to ensure the network is all clear before carrying out a transaction. You can find this out by trying out with smaller amounts, before conducting transactions with a larger amount.
- Ensure you have access to your bank sim card
To get the one time password, you need to have access to your bank sim. The system will only send the one time password to the sim card linked to your bank, as such do ensure you have access to that sim card.
- Contact Customer care
If after trying out the above options and you still have transaction failed error messages, we would advise you reach out to the Opay customer care unit. You can reach out to them via their website. They will be the best option to helping you resolve the transaction has failed error on your Opay application.
This post is written on Opay transaction failed showing you how to go about it and rectify and failed Transaction on Opay. Please ensure that you read to the end and share to anyone facing same issues.
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