How to Create a PayPal Account in Nigeria – PayPal is one of the most popular online payment platforms in the world. In Nigeria, many freelancers, online sellers, bloggers, and digital marketers rely on PayPal to receive international payments, pay for services, and shop online.
If you’re just starting out in 2026 and wondering how to create a PayPal account in Nigeria, this guide will walk you through everything you need — step by step, without confusion. This article is written for absolute beginners, so even if you’ve never used PayPal before, you’ll be able to set up your account successfully.
What Is PayPal and Why Is It Important?
PayPal is an online payment system that allows you to:
- Receive money from clients worldwide
- Send payments securely
- Pay for online services and subscriptions
- Shop on international websites
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Why Nigerians Use PayPal
Below are the reasons why Nigerians use PayPal
- Many foreign clients pay only via PayPal
- It’s trusted globally
- Faster than many traditional payment methods
- Works with freelancing platforms and online tools
Can Nigerians Use PayPal in 2026?
Yes. Nigerians can open and use PayPal accounts, but with some limitations.
What Nigerian PayPal Accounts Can Do
- Send money
- Pay online
- Receive payments (with conditions)
- Withdraw funds using linked cards or platforms
Limitations
- Some accounts cannot hold balance long-term
- Direct withdrawal to Nigerian banks may not always be available
Despite these limits, PayPal remains very useful for international payments.
Requirements to Create a PayPal Account in Nigeria
Before you start, make sure you have:
- A valid email address
- Your full legal name
- Nigerian phone number
- Debit card (Visa or MasterCard recommended)
- Internet connection
- Smartphone or computer
Important: Your name on PayPal must match the name on your card.
Step-by-Step: How to Create a PayPal Account in Nigeria
Follow the steps given below carefully to create your account
Step 1: Visit the Official PayPal Website
- Open your browser and go to PayPal’s official website at www.paypal.com
- Click Sign Up.
Step 2: Choose Account Type
You’ll see two options:
- Personal Account – best for individuals
- Business Account – best for freelancers, sellers, and businesses
If you plan to receive payments, choose Business Account.
Step 3: Select Your Country
Choose Nigeria as your country and click Next.
Step 4: Enter Your Email Address
- Use a valid email you can access
- This email becomes your PayPal login
Create a strong password and continue.
Step 5: Enter Your Personal Details
Fill in:
- First and last name
- Phone number
- Date of birth
Make sure all details are correct.
Step 6: Agree to Terms and Create Account
Review PayPal’s terms and click Agree & Create Account.
Your PayPal account is now created.
How to Verify Your PayPal Account in Nigeria
Verification increases trust and account limits.
Step 1: Confirm Your Email
- Check your inbox
- Click the confirmation link sent by PayPal
Step 2: Link a Debit Card
- Log in to your PayPal dashboard
- Click Wallet
- Select Link a Card
- Enter your card details
PayPal may charge a small amount temporarily for verification.
Step 3: Confirm Your Card
- PayPal sends a code with the charge description
- Enter the code in your PayPal dashboard
Once done, your card is verified.
Best Cards to Use for PayPal in Nigeria
Most users prefer:
- Visa Debit Cards
- MasterCard Debit Cards
Cards from major Nigerian banks usually work, as long as:
- International transactions are enabled
- The card has enough balance
How to Receive Money on PayPal in Nigeria
To receive money:
- Share your PayPal email address with the sender
- They send payment to your email
- You receive a notification
If you’re using a Business Account, you can also:
- Send invoices
- Receive payments from websites
How to Withdraw Money From PayPal in Nigeria
Withdrawal options may vary, but common methods include:
- Using linked debit cards
- Using third-party payment services
- Paying directly for online services
- Always check PayPal’s latest withdrawal options inside your dashboard.
Common PayPal Problems in Nigeria (And Solutions)
Account Limitation
Cause: Incomplete verification or suspicious activity
Solution: Upload requested documents and avoid unusual transactions
Card Declined
Cause: Card not enabled for international use
Solution: Contact your bank to activate online payments
Payment Reversal
Cause: Buyer disputes or policy violation
Solution: Keep proof of service and follow PayPal rules
PayPal Safety Tips for Nigerians
- Never share your login details
- Avoid using VPNs unnecessarily
- Use your real information
- Do not open multiple PayPal accounts with the same details
- Monitor your account regularly
Alternatives to PayPal in Nigeria
If PayPal doesn’t fully meet your needs, consider:
- Wise
- Payoneer
- Skrill
Each has different features and requirements.
Frequently Asked Questions (FAQ)
- Can I use PayPal without a card?
You can create an account, but verification and full use require a card.
- Is PayPal free to use?
Creating an account is free. Fees apply to some transactions.
- Can I have two PayPal accounts?
Yes — one personal and one business, but not two of the same type.
In Summary
Creating a PayPal account in Nigeria in 2026 is simple if you follow the right steps. Whether you’re a freelancer, blogger, online seller, or beginner exploring online income, PayPal remains a valuable payment tool.
This How to Create a PayPal Account in Nigeria (2026 Step-by-Step Guide for Beginners) guide is one way to get started, after that set up your account correctly, verify it, follow PayPal rules, and you’ll avoid common problems.
Meanwhile, share this article on your social media accounts so that others can know about it.