1. Overview

Integrating your OPay POS terminals with Lumi Business gives your store faster checkouts, real-time payment tracking, and stronger fraud protection.

1. Instead of typing amounts manually into the terminal, Lumi sends the exact sale value directly to your OPay POS. Staff can’t adjust it. Payments sync automatically, saving time, preventing errors, and closing every sale with instant proof.

1. This setup eliminates confusion at checkout, prevents internal fraud, and provides your business with full visibility across every branch and device.

This guide provides a clear, detailed explanation of each step in the integration process. The goal is to ensure that every merchant, regardless of technical experience, can complete the setup confidently and understand the purpose behind each action.

2. Prerequisites and Required Information

Before beginning your integration, ensure the following requirements are met. They are essential to avoid delays and ensure a smooth setup.

2.1 An Active OPay Business Account

Your OPay Business account is required to access the integration credentials. These credentials are issued exclusively by OPay. Lumi cannot generate, retrieve, or modify these details for you. To access your OPay Business dashboard: https://saas.opayweb.com/login

You will need:

• Your Business/Branch Code

• Your registered phone number

• Your OPay Business password

Once logged in, you will use the OPay Developer Tools to retrieve the values required for integration.

2.2 An OPay POS Terminal

You must also have at least one OPay POS terminal associated with your OPay Business account. Each device contains unique identifiers, specifically:

• Terminal Serial Number

• Merchant ID

These will be required during the terminal registration process in Lumi Business. If you do not yet have an OPay account or device, Lumi can assist you:

• Email: customerservice@enlumidata.com

• Phone: 02013309157

• WhatsApp: +2349167667098

2.3 Understanding the Integration Structure

The Lumi OPay integration consists of three major components:

1. Business Connection:  linking your OPay merchant identity to Lumi Business

2. Secure Key Generation: generating keys so Lumi and OPay can exchange secure messages

3. Terminal Registration: adding each of your OPay POS devices to Lumi

Understanding this structure makes the setup process logical and easier to complete.

3. Step One: Connecting Your OPay Business to Lumi

This step establishes your OPay business identity in Lumi. Without it, Lumi cannot initiate secure payments to your terminals.

3.1 Open the OPay Integration Page in Lumi

Start by opening Lumi’s OPay integration page: https://app.lumibusiness.io/app/markets/Opay. This is where all OPay connections and settings are managed.

3.2 Retrieve Your OPay Client ID/Business ID and Merchant Name

These are the two credentials Lumi needs to recognise your business:

1. Visit: https://saas.opayweb.com/store/main/details

2. Log in with your OPay credentials, Tap on branch from the main menu, click on view details or tap this link to to take you to your main branch: https://saas.opayweb.com/store/main/details. Please ensure that you use the right branch for this setup 

3. Copy your business ID. This is what you will need to paste into the Client ID field on lumi. Your merchant name is the your registered business name on opay. 
   

4. 

If you don’t have a business account, contact Lumi to request setup and device allocation.

3.3 Enter These Credentials into Lumi

Back on the Lumi integration page:

1. Tap Connect

2. Paste your Client ID

3. Enter your Merchant Name

4. Tap Proceed

4. Step Two: Secure Key Generation

Lumi will now generate its secure key values for the integration. Lumi now needs to establish a secure communication channel with OPay.

4.1 Lumi Will Display Three Values

Lumi will automatically generate:

• Public Key

• Webhook URL

• IP Address
  

• 
  

4.2 Enter Lumi’s Details into OPay Developer Tools

Return to https://saas.opayweb.com/developer-tools:

1. Locate the secure integration setup

2. Paste:

   • Lumi Public Key

   • Webhook URL

   • IP Address

3. Submit the form

OPay will return your integration keys.

4.3 Copy OPay Keys Back into Lumi

OPay will generate:

• OPay Public Key

• Client Auth Key

Paste both into Lumi and tap Proceed. This secures the connection for real-time transactions and webhook notifications.

5. Step Three: Add Your POS Terminals

You can now register the POS devices that will receive payment instructions from Lumi.

5.1 Required Information

For each terminal, you will need. Visit this link here to get your opay terminal credentials: https://saas.opayweb.com/pos/pos-list

• Merchant ID

• Terminal Serial Number (TSN)

• The store or branch where it will be used

5.2 Add Your First Terminal

1. Fill in:

   • Merchant ID

   • Terminal Serial Number

   • Assigned Store

2. Tap Proceed

The terminal is now active and ready to receive instructions.

5.3 Add More Terminals

To add more terminals:

1. Go back to OPay POS > Add Terminal

2. Enter new terminal details

3. Tap Proceed

You do not need to repeat the business connection or key setup again.

6. Enable Your POS Terminal to Receive Lumi Payments 

Now that you have added your terminals to lumi. Just one final bit, you will now need to enable your terminals to receive push notification instructions from lumi. To do this, visit this URL, https://saas.opayweb.com/settings/setting?module=pos-configuration and tap on the H5 Checkout and hit save. If this is not enabled, the integration will not work. 

7. Testing Your Integration

1. Open Sell Mode in Lumi Business: https://app.lumibusiness.io/app/stores

2. Add items to the cart

3. Choose Card
   

4. Tap OPay
   

5. The terminal should show the exact amount

6. Complete the payment

7. Lumi will update the sale in real time

8. Conclusion

You’re now fully integrated. Your sales data and payment confirmations are now securely synced, improving reconciliation, speeding up service, and removing the risk of fraud or error.

Need help?

• Email: customerservice@enlumidata.com

• Phone: 02013309157

• WhatsApp: +2349167667098