Ojapay Nigeria Limited offers three main services. These are;
1. Aggregated Online Merchant acquiring Services: Our flagship product UBILLSAFRICA offers Online aggregation of Bill Merchants across 19 countries in Africa
2. Virtual Card Issuing Services: This is in Conjunction with VISA/Mastercard and Ixaris and incorporates a Virtual Wallet system product of VISA/Mastercard for Card-Not-Present transactions for both web and mobile applications
3. Online E-Settlement & Reconciliation services referred to as ”OJAPAY SettleIT”