PayPal in Nigeria: How to Open and Verify a Paypal Account

Update: PayPal is now officially available in Nigeria (effective from Tuesday, June 17, 2014). However, Nigerian PayPal users can only send funds and make online payments. PayPal does not allow Nigerians to receive of withdraw funds.

If you need a PayPal account for making payments online, then click here to read this article on how to create your own account within 10 minutes.

However if you need a PayPal account for receiving and withdrawing funds, continue reading this article to its end. The trick I revealed here will be of help to you.

It’s no news that PayPal does not accept Nigerians. This restriction by Paypal was necessitated some years back when some Nigerians used the payment platform to defraud many foreign buyers on Ebay (which owns Paypal).

Because Paypal is not available to Nigerians, sending and receiving payment for online transactions have been very difficult for those who have legitimate reasons to use the payment system. And from all indications, Paypal isn’t ready to reverse this restriction anytime soon.

Before I reveal the only trick you can use to operate a Paypal account in Nigeria safely and free of charge, I’ll advice you to check out the alternatives to Paypal (for Nigerians) as revealed in this article: Alternatives to Paypal (for Nigerians)

ALSO READ:  France Embassy in Nigeria (Full Contact Details)

If you think the alternatives offered in the article are still not suitable for you, then try this:

If you have a TRUSTED friend or relative in the US, UK, or any other country where Paypal allows users to withdraw funds, ask that person to help you open a Paypal account (if they don’t have one already). The account would be opened in their name so that they would help you with their ID documents whenever Paypal requests for them.

If that friend or relative of yours has a bank account over there, you’ll need their card for verifying the account.

After the account has been created, ask for the username and password used for creating the account (if they were not provided by you). Then, you can freely login to the account from Nigeria whenever you need to.

Chances are high that Paypal will notice the Nigerian IP address and would request that some ID documents be scanned and sent to them for security verification. You’ll easy scale this hurdle if the person who helped you create the account used their own name (instead of yours) and address in the US or UK (or wherever they may be).

ALSO READ:  Spain/ Spanish Visa Application in Nigeria

However, if your relative already has and uses a PayPal account, he/she won’t be able to create a second account, as PayPal frowns against that. So, it’s better to have your funds sent to their PayPal ID.

Ultimately, you’ll ask your friend/relative to help you withdraw the funds and send to you via Western Union or Moneygram.

This is the only trick that can work for you. Don’t pay anyone who promises to get you a verified Paypal account. You’ll most likely get your account banned and all your funds seized! Be warned.

Note: The email address used to register the Paypal account must be YOURS!

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Add a Comment
  1. Abass,
    Thanks for the info, indeed PayPay now acepts payment frm nigeria which only favours those who buy online, how best then do we receive payment or do P2P transactions?

    1. Read this post:

  2. Please i have 2 questions.
    1…i have a paypal account in the USA cause i reside there. Am now in Nigeria on a visit, Can i use another email address and create another account with Paypal Nigeria using my name and Nigerian Bank details? I need to be sending myself money whenever i want to wire money for my use in the USA from my Nigerian account….in case am stranded for cash while in the USA and cant fill wire transfer forms with my bank in Nigeria while in the USA

    2. I have a PayPal debit Mastercard, i tried severally to withdraw my funds with the 4$00 withdrawal limit and the Atm’s say ” thus card cannot be used n this machine”. I called PayPal and they told me to look for a Maestro Cirrus Atm. Where in Lagos can i find one?

    1. Pat,

      No problem with opening a Nigerian PayPal account with another email address. Note, however, that Paypal does not allow multiple registrations. If they should discover that you’re running two accounts, they’ll ban both! So, if you’re sure you can play your game without being caught, no problems.

      You cannot use a PayPal debit card to withdraw from a Nigerian ATM machine, because the card has been programmed for US dollars only. Only a Maestro Cirrus ATM can issue dollars from that card, but I don’t know where you can find that in Lagos.

      1. I just found only one Maestro Cirrus ATM and it is operated by UBA. It accepts PayPal debit cards and it is the only ATM in Lagos out of the almost 32 ATMs i tried with my PayPal debit card.
        But sad thing is that it is in the heart of Idumota. UBA Bank Branch on Nnamdi Azikiwe street, Idumota, Lagos. I found this after much research online and it pointed only that machine as one that allows also non-chip/sim based cards and Maestro Cirrus too.

        1. Yes, I got that. But as you can read, you can only have one personal + one business account. Not 2 personal accounts.

  3. Is it the Naira Master Card issued by First Bank?

    1. Anyone will work so far it’s Mastercard issued by a Nigerian bank.

      1. Hello Abass i need to open a PayPal how do i do it, do i need to go to the bank to do that

        1. Okon,
          No you do not need to go to the bank to open a paypal account.
          All the details you need are in the post.
          Kindly read through it.

  4. Good evening Mr Abass glad from ur sincere answers and clearifications

    1. Mubba,

      Thanks for reading the article. I’m glad you found it helpful.

  5. Good morning mr Abass,glad to be reinformed with your update

  6. As I am sending this message to you now, I have completed my signup with paypal from Nigeria and my application accepted. The reason is because Paypal has suspended the ban on Nigeria and other ten nations. How do I verify my account?

    1. Pastor Peter,

      Yes, the post has been duly updated to inform readers of the new development. You can verify your account with a Mastercard- or Visa- issued ATM card.

  7. hello sir,

    Paypal now work for nigeria

    1. Thanks for the information. The post has been duly updated.

  8. Paypal is now officially accepting nigerians.

    1. Thanks for the information. The post has been duly updated.

  9. Paypal now accepts Nigeria, check their site and register

    1. Thanks for the information. The post has been duly updated.

      1. Hello Abass,

        Please i want to open a paypal account for my company, but before i do that can you please give me the information on the rate that is charged per transfer.
        This information is urgent please.


        1. Hello Mary,
          The rate would depend on your bank exchange rate.

  10. Hello Abass,
    There is a service I want to subscribe for but the website uses Paypal, Clickbank and Moneybooker as their payment processor or platform. The subscription for this service will last for six months and costs $100.

    How can you help me to make this payment or subscription successful.

    Thanks for your anticipated help.


    1. Chidi, I have replied your email.

  11. Good morning Mr Abass..i have just sent you an email regarding a purchase i want to make using paypal..i got your email using the contact page..i will be very happy to hear from you..
    Have a great day.

    1. Sandra, I have replied your email.

  12. Hello,

    Thanks for taking your time to explain the simple truth about Paypal account opening in Nigeria.

    so many Nigerians loses money each day to other Nigerian who claim that can open a working Paypal account.

  13. Hi Abass,
    Please I want to pay for a service subscription of about $100 which will last for six months; but the website that offers this service uses ClickBank, Paypal and Moneybooker as their payment processor. I want their service badly and I live here in Nigeria; please what do I do or which service do I use to make this payment work for me. If you can render the service to me, please don;t hesitate to tell me.



  14. Abass
    pls is payza not working well in Nigeria? cos it’s not listed among the 5 alternatives to PayPal opened to Nigerians in ur link. I asked cos I’ve been speaking with someone from the UK who told me payza works fine in Nigeria.

    1. Payza has been working fine in Nigeria since 2009 though they were called Alertpay.They fell because they sold it to Payza around 2012.

      I have a verified personal pro account with them but I hardly use it because much people are not using it.

  15. Was there ever a time PayPal supported Nigeria before stopping?

  16. Can you help me open paypal account for my ebay account.

    1. Tochi, I don’t open PayPal accounts for people.

  17. Where can I access Nigerian banks SDK?

  18. Hello. Pls after d paypal account is
    opend by a family Member in USA,
    how will i transfer funds into the account.

  19. what of payza is it working in nigeria.

    1. Payza is working in Nigeria.

  20. Thanks for this nice piece. But why did you say that the email address used must be “mine”?

    1. Because it must be an email address you have access to. The person helping you to create the account will most likely not want to give you access to their email.

      If you open your account with the person’s email, only that person will get the notifications whenever you receive Paypal transfer notifications. And you will need to contact the person to confirm each transaction.

      1. PayPal allows adding up to 8 e-mail accounts to a PayPal account.He can just tell him to add his e-mail to his PayPal while he sends back the confirmation link to the person for the e-mail to be confirmed.
        After he must have done that,he should be giving his own e-mail to whatsoever that want to send him fund his e-mail and with that,he will be getting payment alert via his e-mail and the primary e-mail of the owner of the PayPal will also get confirmation of money received.

  21. I have two PayPal accounts – one verified, one not. I received money in the unverified one and tried to transfer money from it to my verified account. PayPal then restricted my account demanding that I confirm my identity. What do I do now?

    1. If your identity documents indicate that you live in Nigeria, I’m sorry, there’s nothing you can do. Your funds may have gone!

    2. Give them your Nigerian ID card.By the way,check out resolution center in your PayPal account to see what they are requesting you provide.

  22. The paypal is opened in my name but I choose UAE as my country of resident with UAE address.

    1. If you don’t really reside in the UAE, then you’ve just made a big mistake. Because, along the line, PayPal will request for an ID document (Driver’s license or another government-issued ID card) that bears your name and the UAE address you used. If you cannot provide that, you lose your account forever.

  23. Thanks so much.Your information is quite helpful.But suppose I opened another account in another country like UAE,can I use the PAYONEER virtual card to verify and withdraw money?

    1. So far you didn’t open the PayPal account in your name, you cannot verify it with a Payoneer account opened in your name.

      1. Babalola Olatunbosun Muftau

        Please sir l want the statement of my paypal account because l received messages from paypal that money was deposited into my paypal account, -1, 2-ba

  24. Hi Mr. Abass.
    This writeup and forum on Paypal has answered all my questions on it.
    First time on your website. Very good and informative. Welldone.

  25. Dear Abass,

    If a frnd in USA helped me to open a paypal account on his name,will that has any effect with my name which I used to open my payoneer account or must I use his name too?

    1. Danny,

      Don’t ever try to use your Payoneer card to verify the Paypal account, since the names on both accounts are different.

      This is how you will get your funds: Once you have funds in your Paypal that you want to withdraw, ask your friend to withdraw the funds to HIS OWN US bank account, for which he holds a card. After he gets the funds in his own account, then ask him to load the funds unto your Payoneer card using the private load option (Read more about Private Load on Payoneer’s website.)

      I hope this helps.

  26. Thanks a lot for this wonderful expo u gave us.I’m about to pay someone to open a paypal account for me with his so mentioned guaranty but i was afraid dat he is fraudulent. so i decided to search Google for clear information. thank u so much for opening my eye. pls i want to know if somebody in Spain can open the paypal account for me and i will b using it here in Nigeria.

    1. Uche,

      Yes, Spain is one of the countries allowed by PayPal. But all conditions apply. That is, the account must be opened in that person’s name, and the person must have an ID bearing his address in Spain as well as a bank account with a Spanish bank, for which he holds the ATM card.

      1. thanks alot for ur assistance.

        1. You’re welcome.

          1. pls i want to open a payoneer account but did not succeed . it keep saying that i should fill in the field with latin words pls how can i do that.

  27. If I travel to a country that has PayPal freedom and open the account there, can I operate the account in Nigeria?

    1. Dele,

      Well, you must have ID documents and bank accounts in that country so that you’ll tender these documents when PayPal contacts you for verification. Otherwise, you’ll lose your account once you try to access it from Nigeria.

  28. Thanks Abass but how do I use I just checked on their site and paypal was not included as an option of making payment. Pls enlighten me.

    1. Better yet, you can register for a Payoeer card at They have a US payment service which offers you a virtual US bank account that you can use for withdrawing your PayPal funds easily.

      1. Pls,can I use the payoneer’s virtual card to verify my account? With payoneer’s virtual card,do I still need someone in USA to assist me to open a paypal account?

  29. Thank you for this wonderful information.Pls,I want to ask,if one opens an account through the procedure above,will one be able to withdraw to his account here in Nigeria? Being mindful of the fact that the name of friend in USA that opens it for me is different frm the name in my domicilliary bank account.

    1. Danny,

      No you can’t withdraw to your Nigerian account. What you can do is to have your funds withdrawn by the same individual who helped you create the account and sent to you via Western Union. Another option is to send your funds to your Nigerian account through

  30. Thanks. I didn’t think its be considered unprofessional since so many people in Nigeria suggested it.

    It is so discouraging that Nigeria doesn’t have a relatively fair priced safe online payment system. Thanks. I’ll look into GTB but I’m not feeling optimistic.

    Thanks a lot.


    1. No problems. But I hope that won’t deter your customers. If your customers are okay with that option, that’s fine.

      1. Actually I thought it would but folks said it wouldn’t. I imagine that if I had to go into the bank to make a payment, I’d likely forget to. The benefit of shopping online is for convenience. Having to go into the bank defeats that purpose.


        How I wish Paypal still existed in Naija.

        Even now I’m trying to shop online to have items delivered directly to Nigeria and I’m being told that my delivery address must match my Paypal address. Buy it I change my Paypal address to Nigeria, it wouldn’t be a valid Paypal account.
        I’ll call Paypal and see what they say.

        1. Titi,

          I don’t advise calling PayPal. I think that will be risking your account. That company doesn’t want to have anything doing with Nigeria and Nigerians.

        2. Use service of sites like,,, or among others to get us address where your purchaces will be sent to which will then be forwarded to you in Nigeria.

      2. hello Abass can’t someone open it in republique of togo. tks and bless

        1. PayPal only allows users in Togo to send payments. Just like the Nigerian version, you cannot receive payments or withdraw money.

  31. Thanks for your replies,would prefer china!

    1. Mimi,

      Then I would advise you to google “Do it yourself importation guide.” In the results page, you’ll find the link to a Nairaland thread on which the OP went deeply into the details of how to import from China. I’m sure you’ll get all the information you need.

  32. Thank God for keeping people like u alive for us. I have been reading ur writeup since last night till this morning. So I want u to help me on how to start a online surveys immediately. Pls Also tell me to buys shoes and cloth from a us market online. Thanks and may God reward u abundantly.

    1. Chikasoko,

      I would advise you never to go into online surveys. It’s the best way to waste you time online. If you really want to go into credible and profitable online businesses, visit You’ll learn all you need to know to get started in online business.

      As for importing goods from US, will help.

  33. I mean foreign country!!! Thanks a lot!

    1. Can you get in touch with ColorMeKink (Titi)? She seems to offer the services you need (I don’t know her, anyway). And on the surface, she sounds credible. Maybe you get in touch.

      If you’re not comfortable with that let me know. BTW, which foreign countries would you prefer? US, UK, China?

  34. Hello Abass and thanks for your insightful post.

    I am in the process of opening an online store in Nigeria. I have just realized that Paypal isn’t available in Nigeria. What would be the best payment method to use at this point?

    I have heard of direct in-person bank payment methods where the customer would have to go into the bank to deposit the payment into my bank account in Nigeria, but this just sounds daunting to me. Do people really use this method or would it be discouraging for customers?

    I have also heard of credit card payments in Nigeria and have been warned about their lack of security. I was told that one can possibly make a credit card payment and if the payment remains unpaid by the buyer (to the bank) within a certain amount of time, the seller ends up having to refund the bank the money. How true is this?

    1. Titi,

      For an online store, asking customers to pay in person to the bank is unprofessional. In fact, it could raise doubts about your business.

      I would have loved to recommend any of the Nigerian payment processors, but unfortunately, they’re all suckers who render epileptic and frustrating services that could cripple your business (I’m talking from what I’ve gathered from people’s experiences with them).

      Personally, I do feel the GTBank payment solution would be very good. But the last time I checked, the price was somewhat on the high side. You can find out more about that to see if it seems good for you.

  35. Have read comments n sincerely u been a genuis,please which website can I buy clothes n shoes from cause have wasted some money in this online bussiness.

    1. Mimi,

      Do you mean Nigerian websites or foreign websites?

    2. (Abass, I hope you don’t mind me interjecting).

      Hi Mimi,

      If you mean foreign websites, I may be able to help with that.

      I currently have a small business where I ship clothings and shoes to Nigeria for small shop retail sellers. I get the clothings and shoes from the United States, and payment is received in person in Nigeria (I have an associate in Nigeria who receives the items from customs and brings them to Nigeria). I do ask for a downpayment but it is a small fraction of the items.


  36. My friend and I have wasted time and money on online businesses which as really affected my finances and am really fed up.

    Pls, can u give me information and guidelines on how to start an online business successfully.

    Thanks in anticipation.

    1. Bolaji,

      It’s quite unfortunate that you’ve been unable to make money online even after spending much money. If you really want to learn how to make money online, check my other blog ( I share practical information on how to make money online in Nigeria–and the information is FREE.

  37. Hello genius, am very grateful for the information you’ve provided God will reward you.

    Can i create/open a paypal account in South Africa aside from having a friend or relatives in US/UK? If YES… How much do i need to open the paypal account?

    1. Bolaji,

      Thanks for your kind words.

      If you’re based in South Africa at the moment, you can open your PayPal account yourself since South Africa is one of the countries allowed by PayPal. However, you must have ID documents that reflect that you’re presently in South Africa as well as a South African bank account for verification purposes.

      Opening a PayPal account attracts no charges. It is FREE!

  38. You are a genius, your type is very rare, I almost cough out #10,500 to someone this morning in respect to Paypal account, whereas I ve lot of relatives in USA, no word can quantify your worth but I would have love to establish strong relationship with you, thanks

    1. Gabriel,

      Thanks for your kind words. You would have wasted your money because, even if you were able to create the account, it wouldn’t have lasted long. And the sad part is, the account might be frozen at a time when you have some cash in it. Then you’d be like “Damn!”

      Since you have relatives in the US, you’d be fine. Just ensure that the account is opened in their own names and address, so they can quickly verify with their ID documents when PayPal requests for that.

  39. How to open a paypal account pls.

  40. pls how do I fund the account from here

  41. dear, i like the way you honestly speaks the truth, your type is rare….. I never thought that someone can ever speak of ETHICAL on internet let alone giving it a due CONSIDRATINO…..!
    Thank u may God reward you for your honesty. I would like us to become friends….. Pls notify me at my e mail

  42. Hello genius please i need online mobile bussiness to start that does not need paypal for payment thank u

    1. Benjamin,

      If you need a comprehensive guide on how to start an online business, I recommend you visit

  43. Perhaps, you may have a solution to this for me. I’m a consultant here in Nigeria and payments are made directly into my account. Presently, I’m planning to sell this idea of mine to the world. My big question is, “If I offer this service to a foreigner, for instance, an American, can I have such payment directly into my account here in Nigeria? If so, how do I go about this? Pardon my ignorance on this ‘cos I’ve never gone this far before. Thanks for your anticipated response.

    1. Bejom,

      There are payment processors that you can use to receive money from foreigners. Payoneer and 2checkout are very good options to consider.

  44. Pls dear can u kindly reach me on ma email id ezekielfolly@ thanks for ur anticipated reply

    1. Zeel,

      If you have any enquiries, contact us. You’ll find our contact details on the “Contact” page. Thanks

  45. plwase help me to open a paypal acct

    1. Daniel,

      We don’t create Paypal accounts for people. Read the post and follow the guidelines explained.

  46. My fiance is in nigeria hoe can i set up a legal paypak account he has a Nigerian phone number also

    1. There is no way you can set up a legal Paypal account in the name of someone in Nigeria. Your best bet is to use your own name and details, and then let your fiance access it from his end.

  47. Hello Admin, i would like you to help me on how i can buy a product from a company in USA that does not Ship their products to Nigeria. Please your advice and help are highly needed and will be appreciated.

    1. Odozi,

      I will advise you to use the services of They are reliable and their charges are cheap.

      1. How much do they charge in naira per $ that makes their charges so cheap?

      2. The is it a genuine site? Is it a nigeria site? I want to do some shopping and I don’t want to be scammed. So that’s why I decided to ask you because I got the site from you.

        1. Nurudeen,

          Yes, is a Nigerians site, and to the best of my knowledge, they are genuine. I’ve never done business with them in the past, but I know people who have. It’s just a recommendation, anyway.

  48. I just want to thank you for been sincere…I know this is nothing but the truth. Don’t mind those thieves that go round promising what they know that is not true.

    1. Elitel,

      You’re welcome. Anything that involves changing your IP address or your name is simply unethical. And that’s what those self-acclaimed “Paypal gurus” advise.

      1. I’m so glad seeing this comment of yours.Concerning the issue of changing names,I’ve never and never will in support of using fake names.

      2. please and please for god sake help me open paypal acct for me please i cnt do it for my self please

  49. Hello please, and what if i don’t have anyone in UK or Us who can help me get that done? I want to know if i can still open a paypla account any other way

    1. Dayo,

      Well, I don’t know of any other safe shortcut. If you only need to buy something with PayPal, I can help with that, as I know of a service that charges at $200 per dollar to help make PayPal payments. Contact me if you you’re interested (see “contact us” page).

      1. i want to buy from china can you buy.they only accept paypal and moneygram

        1. Wisdom, Paypal is now available in Nigeria.

          1. how can someone open the paypal account thanks

          2. Read the post.

      2. Mr Abass Thanks for the information on how to open a paypal account. pls i want to know how to transfer money from my paypal account to my bank account.
        Thanks i look forward to your response.

        1. Simply tell your friend to withdraw the funds and send to you via Western Union/Moneygram or load it onto your Payoneer card (if you have one).

  50. Considering the huge number of calls and emails we receive on inquiries about Paypal, we have decided to enable comments for this post. So, feel free to ask any questions you may have.

    –Abass (Admin).

    1. please help me to open a pay pal account i beg with this email

      1. Paypal has just lifted ban on Nigeria and ten others. You can freely signup now.

        1. I’ll like to open a paypal account

        2. I tried to fill the paypal account form but i kept on receiving error. please what is the postal code

    2. y paypal did not allow nigeria?

    3. Ibrahim Shehu Ado

      How to open a new Account with paypa? My email is

      1. Ibrahim Shehu Ado

        I am online business, I do not have paypal Account.

    4. Thanks for making out time to write about paypal, I’ve always found it difficult adding funds into my PayPal wallet from Naija. I tried changing my country base but it never yielded any result.
      I count your suggestion a reliable one.

    5. Has UBA been able to allow paypal by sending money to other countries use paypal too.(sending and recieving)

    6. How can i open paypal account. Thanks

      1. Hello Ope, here is a link on how to open a paypal account written by Abass

    7. I just read your post and I want to try and open a PayPal account using a relative of mine but I would like to know if this could cause problems for the person later especially if PayPal gets to find out.what happens then?

    8. ikechukwu ogbonna

      I do have a PayPal account but am stuck at the page where i have to verify my address and add my SSN(social security number) and i dont know what else to do, please what can i do because i want to link my Mastercard to this account. Reply

    9. Good Day
      I just created a paypal account, linked it to my master card and have already verified my email.

      Pls how do i fund my account and do i need to verify before using it?

      1. After creating your paypal account and it has been linked to your debit card you do not need to fund it.
        Any purchase you make will be automatically deducted from your account.


          1. No it is not possible to receive funds with a Nigerian PayPal account so if you cannot receive there’s no way to withdraw funds.

    10. I need a PayPal account like now.please help

    11.….please help me open a paypal acc.

    12. My Name is Amanda. I sold a camera toa lady in Nigeria. She tells me that she paid the money into my paypal account. To date I have had to pay for Insurance fees, Customs and Excise duties, VAT. These fees were supposed to be paid by the buyer. Paypal Nigeria is holding my money. I spoke to A lady in the USA who works for Paypal and she told me that Paypal would never hold money back. Once money has been paid into an acount it is immediately available. It has also come to light that the notification emails I have been receiving from Paypal Nigeria are fake!!! Paypal Nigeria is now under investigation.

    13. where is the exact location(address) of paypal office in lagos?

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