slug: opay
provider: OPay
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 3
edges:
- tag: Cashier
  spec_file: opay-cashier-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.85
  evidence: POST /cashier/create — "Create Hosted Cashier Payment Order"; POST /cashier/status — "Query
    Payment Status"; schemas CashierCreateRequest, PayMethod, Amount
  reason: The tag exposes hosted checkout payment order creation and status query for a merchant — payment
    instruction capture, validation and authorisation across card, transfer, USSD, QR and wallet methods.
    That is payment initiation within Payments & Card Management.
- tag: Payments
  spec_file: opay-payments-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.85
  evidence: POST /payment/create — "Create Server Payment"; schemas BankCard, PaymentCreateRequest, NextAction,
    PayMethod
  reason: Server-to-server payment creation with card and other pay-method details plus a next-action
    (e.g. 3DS) flow is payment instruction capture and authorisation, i.e. Payment Initiation Management.
- tag: Refunds
  spec_file: opay-refunds-api-openapi.yml
  capability_id: BC-1340
  capability_id_l1: BC-1340
  capability_name: Payments & Card Management
  confidence: 0.7
  evidence: POST /payment/refund — "Refund Payment"; POST /payment/refund/status — "Query Refund Status";
    schemas RefundRequest, RefundStatusResponse
  reason: Refund initiation and refund status enquiry on merchant payments sit squarely in Payments &
    Card Management, but the evidence does not name a specific sub-capability (it is neither clearly initiation,
    clearing/settlement, nor card chargeback handling), so only the L1 is asserted.