In this guide, you’ll learn how to create PayPal account in Nigeria, why you need a PayPal account in Nigeria, what you need before creating a PayPal account, and more. All you have to do is read this article carefully, and you’ll be very much good to go.
PayPal has become one of the most trusted online payment platforms worldwide. Whether you’re a freelancer, online seller, or someone who wants to receive money from abroad, having a PayPal account is essential.
However, for many Nigerians, setting up a PayPal account may seem complicated due to country restrictions, verification processes, and funding limitations. But don’t worry. In this article, we will guide you step by step on how to get it done, share tips to avoid common mistakes, and explain real-life examples to make it relatable.
By the end of this guide, you will not only have a functional PayPal account but also understand how to use it effectively for online transactions.
Why You Need a PayPal Account in Nigeria
Before diving into the setup process, let’s understand why PayPal is crucial for Nigerians:
Global Transactions: PayPal allows you to receive payments from clients worldwide, especially if you work as a freelancer on platforms like Fiverr, Upwork, or Freelancer.
Secure Payments: PayPal is known for its buyer and seller protection. Your bank account details are never shared directly with clients.
Ease of Use: Once set up, sending and receiving money becomes effortless, even across borders.
Integration with Online Stores: If you want to sell digital products or services, PayPal integrates seamlessly with platforms like Shopify, Etsy, and WooCommerce.
Things You Need Before Creating a PayPal Account in Nigeria
Setting up a PayPal account requires preparation. Here’s what you need:
A Valid Email Address: This will be your PayPal ID.
A Nigerian Bank Account or Debit Card: Currently, Nigerians can link their Naira debit cards (Verve, MasterCard, or Visa) to PayPal for verification and withdrawals.
Phone Number: A valid Nigerian phone number for verification purposes.
Government-issued ID (Optional for Some Verifications): Passport, National ID, or Driver’s License may be requested during identity verification.
Stable Internet Connection: PayPal registration requires uninterrupted access to complete forms and receive verification emails.
Step-by-Step Guide to Create PayPal Account in Nigeria
Follow the steps given below to create your account quickly.
Visit the PayPal Website
Open your browser and go to www.paypal.com
Click Sign Up at the top right corner.
You will see two account types: Personal and Business.
Choose Account Type
Personal Account: Suitable for sending and receiving money, online shopping, and casual transactions.
Business Account: Ideal for sellers, freelancers, and businesses who need to accept payments from clients worldwide.
For most Nigerians, a Personal Account is sufficient.
Enter Your Details
Fill in your email address (ensure it’s active and professional).
Create a strong password: Include uppercase, lowercase, numbers, and special characters for security.
Click Next.
Fill in Personal Information
Enter your full name as it appears on your official documents.
Choose your country (Nigeria).
Enter your phone number and date of birth.
Agree to Terms and Conditions
Carefully read PayPal’s User Agreement and Privacy Policy.
Tick the box to agree.
Click Agree and Create Account.
Confirm Your Email
PayPal will send a verification email to the address you provided.
Open your email inbox and click the verification link.
Link Your Bank Account or Card
To fully activate your PayPal account, link it to your Nigerian bank account or debit card.
Go to Wallet → Link a Card or Bank.
Enter your card number, expiry date, and CVV.
Tip: Use a Verve, Visa, or MasterCard debit card. Many Nigerians face issues with cards that aren’t internationally enabled.
Verify Your Card
PayPal may charge a small fee (usually $1.95) to verify the card.
Check your bank statement for a 4-digit code and enter it on PayPal.
Once verified, the amount is refunded.
Set Up Security Features
Enable two-factor authentication (2FA) for added security.
Add a security question to recover your account if needed.
Start Using PayPal
You can now send and receive money.
Nigerian users can withdraw to their linked bank account in Naira, though there are fees.
How PayPal Helps Nigerians
Meet Chuka, a freelance graphic designer from Lagos. He works with clients in the U.S. and Europe. Before PayPal, he struggled with receiving payments through traditional banks due to high transaction fees and delays.
Once Chuka created a PayPal account, he could:
Receive payments instantly from clients abroad.
Convert the money to Naira and withdraw it to his local bank.
Keep track of transactions easily for business accounting.
Chuka’s story shows how PayPal opens global opportunities for Nigerians.
You Can Also Read: 7 Legit Ways to Make Money Online in Nigeria Without Scam
Common Challenges for Nigerians Using PayPal
Withdrawal Issues: PayPal cannot withdraw directly to all Nigerian banks. Using services like Payoneer or Flutterwave can help convert PayPal funds to Naira.
Card Verification Problems: Some local debit cards are not accepted internationally. Always use a Visa, MasterCard, or internationally enabled Verve card.
Currency Conversion Fees: PayPal charges fees when converting USD to NGN. Be mindful when calculating prices for international clients.
Tips for a Smooth PayPal Experience in Nigeria
Use a Professional Email Address: Avoid casual emails like cutie123@gmail.com. Use your name or business name.
Keep Your Account Verified: Verify your identity and link a bank account to avoid limits on transactions.
Monitor Exchange Rates: PayPal’s conversion fees can be high. Compare with other services before withdrawing.
Avoid Suspicious Transactions: PayPal is strict about fraud. Avoid deals that seem too good to be true.
Stay Updated: PayPal policies in Nigeria may change. Check their local support page for updates.
Alternatives to PayPal for Nigerians
If you face limitations with PayPal, here are alternatives:
Payoneer: Widely used by Nigerian freelancers. Allows receiving payments in USD, EUR, and GBP.
Flutterwave & Remita: For local business payments and international clients.
Wise (Formerly TransferWise): Low-cost international transfers.
Frequently Asked Questions (FAQs)
- Can I create a PayPal account in Nigeria?
Yes, Nigerians can create PayPal accounts. You can register using your valid email, Nigerian phone number, and an internationally enabled debit card (Verve, Visa, or MasterCard). Some limitations exist with withdrawals, but you can still send, receive, and shop online.
- What type of PayPal account should I create in Nigeria?
If you are a freelancer or someone sending/receiving money occasionally, a Personal account is sufficient. If you plan to run a business or sell online products, choose a Business account for more features and payment options.
- Can I withdraw PayPal money to my Nigerian bank account?
Yes, but PayPal does not directly withdraw to all banks in Nigeria. Many users use services like Payoneer, Flutterwave, or Wise to convert PayPal funds to Naira and transfer to local bank accounts.
- What cards work with PayPal in Nigeria?
PayPal in Nigeria accepts internationally enabled Visa, MasterCard, and some Verve cards. Ensure your card is activated for online international transactions to avoid verification issues.
- Is PayPal free to use in Nigeria?
Creating a PayPal account is free. Sending money is free if you use your PayPal balance or linked bank account. However, fees apply for receiving payments for goods/services and currency conversion.
- Can I open multiple PayPal accounts in Nigeria?
Yes, you can open multiple PayPal accounts (one Personal and one Business) using different emails. But each account must have a separate bank account or card linked to avoid conflicts.
- How do I contact PayPal support in Nigeria?
You can reach PayPal support through their Help Center on the website, chat support, or email. Always log in to your account when contacting support to get personalized assistance.
Conclusion
Creating PayPal account in Nigeria is simple once you know the steps. From setting up your email and password to verifying your card and linking your bank account, this guide covers everything you need.
With PayPal, you can access international clients, secure your online payments, and grow your freelancing or online business. Remember to verify your account, use secure cards, and be mindful of fees for the best experience. Don’t let the fear of process stop you—like Chuka, take the first step and open your PayPal account today!
Meanwhile, share this article on your social media accounts so that others can learn from it.