“My customers are scared to pay me” – Business owner calls out OPay over ‘potential risk’ alert

A Nigerian business owner has called out OPay over its “potential risk” alerts, claiming they are affecting her business and discouraging customers from making payments.

The lady, identified on Facebook as Grace Anuoluwapo Lois, shared her experience in a lengthy post, questioning what triggers the alerts, particularly for transactions involving relatively small amounts.

Business Owner Raises Concern

In her post, Grace said she had noticed that some customers were receiving “potential risk” warnings whenever they attempted to transfer money to her OPay account.

She explained that the issue usually occurs when multiple people send money to her account within a short period.

According to her, while some customers informed her about the warning, she believes many others may have abandoned their transactions without notifying her, resulting in lost business.

“Why Small Transactions Also Trigger Alerts?” – Lady Queries

The business owner expressed surprise that even transfers below ₦10,000 were reportedly flagged by the system.

She questioned why low transactions would generate such warnings and argued that the alerts could create the impression that the recipient’s account was suspicious.

Grace wrote:

“I want to know what exactly triggers your potential risk alert when someone is about to transfer to an account, especially when the amount isn’t that huge (below ₦10,000 even).

“Whenever I have a lot of people sending money to my account in a short period of time, I keep getting complaints from some of them that they want to transfer but got a warning from OPay.”

Business Owner Consider Stopping the Use of OPay

She further stated that the recurring alerts have made her consider discontinuing the use of her OPay account for business transactions.

“Now, I’m sure not everyone who encountered this ended up informing me, some must have just chicken out and not continued with the transaction. That means my business is loosing and I’m not even aware.

So please, you guys need to explain why this is like this because I’m about to let go of your bank totally for such transactions. I know you are trying to protect your customers who are sending money, but why do it at the expense of the business owner at the receiving end too?? Sc*m alerts and potential risk alerts is such a sensitive thing to put out when you are not sure the person is a scam.

Please work on your system for the sake of people whose business might be suffering from this… as for me, I think I’m done with you guys until I’m very sure this won’t happen again,” she stated.

Business Owner Shares Another Incident

In a follow-up post, Grace revealed that her sister also encountered the same warning while attempting to send her just ₦2,500.

She added:  “This Afternoon, my sister wanted to send #2,500 to me and this was the notification she got… just 2500 ooo.

One of my student who registered for my class this morning also experienced the same thing and she almost chickened out, but told me and I had to just encourage her to proceed with the payment with PalmPay.

I see no reason why a transaction less than 50k should be triggering your potential risk alert It doesn’t make any sense.”

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