Opay has physical customer service offices in about 15 states across Nigeria. These states include major locations such as Lagos, Abuja, Abeokuta (Ogun), Ibadan (Oyo), Osogbo (Osun), Jos (Plateau), Kaduna, Kano, and others, making its physical presence quite extensive nationwide. The physical offices provide services like agent registration, POS issuance, personalized customer care, and complaint resolution, complementing their digital customer service channels.