Convenience and savings with the mobile service

Top 10 Reasons to Install Oplati™
If you value comfort and savings, download Oplati™ for free on your smartphone and start using it!

Developed by the Belarusian IT company LWO and issued by Belinvestbank, this app has already been installed by over 500,000 Belarusians and foreign users.

Oplati™ is a mobile payment system based on electronic money stored in the user’s digital wallet. The actual funds are held securely in a bank and protected by the state. Access is provided through a mobile app on your smartphone.

What makes the service stand out is its security and convenience. You can top up your digital wallet from any bank card—without fees or hidden charges.

1. Easy fare payment

Everything is secure and reliable. Buying a ticket is quick and easy. After boarding, the passenger simply uses the Oplati™ app on their smartphone to scan the QR code displayed inside the vehicle. The e-ticket instantly appears on the screen and contains all the necessary details: ticket number, vehicle number, its assigned bus depot, date and time of purchase, and the fare.

The ticket is stored in the “My Tickets” section of the app and can be shown to the inspector at any time. In Minsk, it’s also possible to purchase a ticket by entering the bus’s fleet number. In some cities, transport companies offer different types of travel passes through the app—another convenient and in-demand feature.

In total, more than 12 million tickets and over 25,000 electronic travel passes have been sold via Oplati™ across Belarus. In the capital alone, around 20,000 public transport passengers purchase QR e-tickets every day. The system is also actively used for minibus rides throughout the country. Once you’ve installed the Oplati app, you can buy QR tickets in any city in Belarus.

2. Save money when shopping

Oplati™ offers access to partner promotions and extra discounts on top of store loyalty programs. Paying by QR is a smart choice for shoppers—some major supermarket chains and retail networks offer up to 10% savings when you pay with Oplati™.

All promotions and partner projects are listed on our official social media pages and at o-plati.by.

Plus, it’s hygienic—no need to handle cash or cards. You control your own smartphone, with no unnecessary contact with shared surfaces. All your receipts and loyalty cards are stored conveniently in one app.

There are currently two ways to pay for purchases in stores using the Oplati™ app. In the first scenario, you show your personal QR code and the cashier scans it. In the second, you scan the store’s QR code at checkout, and the cashier provides a confirmation code for the payment. Both options are simple and convenient.

More than 20,000 checkout points across the country accept payments through Oplati™.

For those who have tried the NFC contactless payment feature, it’s even easier—you can pay with your smartphone at any terminal worldwide that accepts standard card payments.

3. Refuel right at the pump

Refueling your car without stepping away from the pump—that’s a dream for many drivers, especially women during bad weather or when there are small children in the car. With Oplati™, that dream becomes reality.

Just scan the QR code on the fuel pump, fill up your tank, and pay instantly through the app. It’s quick, easy, and contactless.

This service is available at A-100 and Belorusneft gas stations nationwide, and in Minsk, also at United Company stations—where you can both refuel and pay for a car wash using QR.

4. Send money with one click—no fees, no charges

Ever gone to the store and realized you forgot your wallet with all your cash and cards? With Oplati™, that’s no longer a problem. You can request money from family or friends and receive it instantly—just like a regular message in the chat.

This is another unique feature of the Oplati™ mobile service, and it’s completely free—no commissions or extra fees.

It’s also super handy for pooling money with your spouse, friends, or in a parents’ group using the “Shared Wallet” feature. You can see who contributed, when, and how the funds were spent.

Plus, the e-wallet lets you transfer funds from one card to another, or combine money from multiple bank accounts—all without any fees.

5. Earn rewards while you shop with Oplati™

The “Generous Trio” promo from the Oplati™ mobile service has already launched!

Get 3 rubles credited to your wallet for your first purchase at each participating sales point!

You spend — we pay!

Terms of the Promotional Campaign:

How to Take Part in the “Generous Trio” Promo:

1. Download the Oplati™ mobile app.

2. Find the list of promo partners in your region on the official Instagram page — @oplati_official.

3. Make a payment via QR at any of the listed participating stores during the promo period and receive 3 BYN to your wallet for your first purchase!*

* Exceptions apply: purchases of alcoholic beverages (including low-alcohol drinks and beer), tobacco products, medicines, as well as payments via NFC or virtual card are not eligible for the bonus.

Important!

The promotional campaign “Generous Trio” will run every two weeks.

• A new list of participating partners will be published every Monday at 10:00 on the official Instagram account @oplati_official.

• Each promo round is valid from 10:00 Monday of the current week until 23:59 Sunday of the following week.

• Don’t miss your chance to earn cashback at new locations every round!

If a single partner has multiple sales points, participants can receive a separate reward for the first transaction at each individual location listed.

Additionally, all payments made within the Oplati™ app (such as through the “Catalog” or “Entertainment” sections), as well as purchases in partner online stores, are counted as a single sales point for the promo.

All cashback rewards will be credited on the 2nd business day following the end of the promo period, by 18:00, to the user’s electronic wallet in the Oplati™ mobile app.

You can view the reward in your wallet transaction history, and the bonus funds can be used freely at your discretion.

To receive the reward, simply make your first payment at any of the listed locations.

Ten first-time payments = 30 BYN in bonuses!

The more unique locations you visit from the partner list, the more cashback you earn — it’s that simple!

Follow @oplati_official on Instagram to shop and earn!

A fresh list of participating sales points for each region is published every two weeks on Mondays. Don’t miss out — stay updated and make your purchases count!

6. With Oplati™, you can win your own home in Minsk and high-value prizes!

All Oplati™ app users are automatically entered into the promotional game “Dream with Oplati 3”!

Capital apartments in the prestigious Minsk World residential complex and other amazing prizes are up for grabs – Xiaomi electric scooters, Alisa smart stations, and JBL 1000W sound systems.
Just make purchases through the Oplati™ app and keep your money in your e-wallet.
For more details on how to participate, visit o-plati.by.

Maybe the next lucky winner is you!

7. Invite friends — get 5 BYN!
Invite your friends to the Oplati™ mobile app and get 5 BYN to your wallet for each one!
More friends — more money in your account!

What do you need to do?

1. Download the Oplati™ app and register.
2. Invite a friend by sending your personal referral link from your profile via any messenger, email, or SMS.
3. If your friend installs the Oplati™ app and successfully registers, you’ll receive 5 BYN to your electronic wallet!

Invite as many people as you like — get a bonus for each one!
Got 100 friends? Get 500 BYN!
More details about the offer are available at o-plati.by.

8. “Stay on Trend!”: Order at a café without a waiter

Scan the QR code on the table, place your order in the Oplati™ mobile app, and pay instantly!

The convenience of a mobile waiter is already available in select cafés connected to the Oplati™ service.
An introvert’s dream — no unnecessary interaction, no flipping through paper menus, no contact with staff.

The app provides detailed descriptions and pricing for every dish.
It’s also a stylish way to impress — imagine placing a sleek, high-tech order on a date!

For businesses, it’s next-level hospitality and a smart way to save on resources.

9. Business: Save three times!

For businesses, the Oplati™ service means direct savings.
Merchant acquiring fees average just 0.45% of the transaction amount.
All you need to accept payments is a smartphone or a scanner at the checkout — no need for expensive terminals.

The service also supports integration with online stores, loyalty programs, and dozens of POS solutions for retail, cafés, and hotels.

To connect with Oplati™, simply submit a request on the website www.o-plati.by in the “Business” section — you’ll be contacted within 15 minutes and can start accepting QR payments shortly after.

There’s also a support channel on the site where you can submit inquiries for free and get quick help.
If a large company needs custom features, those can be discussed and implemented individually.

By using the Oplati™ service, entrepreneurs can also save money. When accepting payments through the Oplati™ system, they pay only 0.45%, compared to the 2–3–5% typical for card payments. At the same time, this remains a non-cash form of payment for goods and services, just like card acquiring.

There’s even more potential for savings when it comes to receiving personal income as a sole proprietor or transferring dividends. Transferring personal funds from a business account to an Oplati™ e-wallet is completely free!

From the e-wallet, the entrepreneur can then pay for purchases in stores and cafés, shop online, or even refuel their car via QR, just like any other user.

10. Pay safely with Oplati™ anywhere in the world!

With the Oplati™ service, you can get a tokenized MasterCard (currently Gold only) to use via your phone’s wallet at millions of NFC-enabled terminals around the world. There’s no risk of fraudsters withdrawing money from the card — because there’s no money stored on it. At the moment of payment, funds are transferred to the card from your electronic wallet.

You can learn about all the features of the Oplati™ mobile service on the official website o-plati.by, the Oplati™ YouTube channel, and the app’s social media pages!