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)

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 that allows Paypal, ask that person to help you open a Paypal account. 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).

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!

177 Comments

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  1. 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. 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. 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.
        Thanks

        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).

  2. 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.

  3. 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 Chrisvicmall.com. They are reliable and their charges are cheap.

      1. The chrisvicmall.com 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, chrisvicmall.com 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.

    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.

  4. 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.

    1. Benjamin,

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

  5. 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

  6. 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.

  7. 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!

  8. 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 (http://webincomeplus.com). I share practical information on how to make money online in Nigeria–and the information is FREE.

  9. 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. (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.

      -ColorMeKink

  10. 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.

    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?

  11. 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 webincomeplus.com. You’ll learn all you need to know to get started in online business.

      As for importing goods from US, Chrisvicmall.com will help.

    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.

  12. 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.

    -Titi

    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.

        *sigh*

        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 myus.com,shippyme.com,midasshipping.com,aascargo.com or myamericanshipper.com among others to get us address where your purchaces will be sent to which will then be forwarded to you in Nigeria.

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

  13. 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 worldremit.com.

  14. Thanks Abass but how do I use worldremit.com? 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 Payoneer.com. 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?

  15. 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.

  16. 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. 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.

  17. 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.

  18. 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.

  19. 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. 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.

  20. 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!

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

  22. 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.

  23. 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.

    Thanks

    Sincerely
    Chidi

  24. 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.

  25. 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.

  26. 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.

    Chidi

  27. 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.

  28. 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.

  29. 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:

      webincomeplus.com/online-payment-methods-for-nigerians-5-ways-to-receive-payment-from-foreigners-aside-paypal/

  30. Good day, i once open a paypal account two year ago using a US IP,but was later restricted bcos i mistakenly logged into my account using an IP from Nigeria. Can i still make use of the same paypal acct now that nigerians can now open paypal acct?

  31. hi,

    thanks ffor your post, i have successfully opened a paypal account and verified my card too… buh here is the big question, how do i fund my account as there is no option for that? and i really need to start using it.

    1. Nky,

      If you want to make a payment or send funds to another PayPal account holder, use the appropriate option on the PayPal home page.

      Just visit http://www.paypal.com/ng and choose the appropriate option on the top left hand corner.

      1. Thanks for the response.

        My paypal balance reads $0.00 while the card is funded. how do i credit/fund MY paypal account? or do i just go ahead to test?

    1. You can only fund it using the debit card linked with the account. So, each time you send a payment, the card will be billed directly.

    1. No, PayPal only allows Nigerians to transfer funds and make payments. You cannot receive or withdraw funds (for now).

  32. sorry i opened the paypal account and i was asked to verify from the bank now here is the problem when i met the customer of (my keystone) bank she dint even know what i was talking about now how do i get the last .4 digit is the problen

  33. I tried to sign up on PayPal with my android phone but I only saw ” I want send money, login and more about PayPal mobile”. Pls WHR is there official site dat I can sign up easily. Thanks

  34. Pls what do u know about the site jobandpay.com. are they for real? Am afraid that I might not be able to withdraw my earnings.

    1. You can verify your PayPal account with any card issued by a Nigerian bank provided the card is Mastercard or Visa branded.

  35. Please my bro.I am Damian and i trade Forex with a broker abroad (FXPRO LONDON)Pls.can i make a withdrawal to my local bank account now from this broker using PayPal because they accept PayPal. Thanks.

    1. No, PayPal does not allow Nigerian users to receive or withdraw funds. For now, Nigerians can only send funds and make payments.

  36. I tried opening an account but the security image keep returning error when summited.
    I have tried times without number.
    Thanks

    1. That’s not true. I’m using GTB, and I verified my PayPal using my GTBank ATM. Other people have also verified their Paypal accounts with ATMs issued by other banks. The news is that First Bank just started allowing the use of their cards for verifying PayPal.

  37. i have been suspended twice from ebay.but a friend of mine open an ebay account with a us address can i link it with my paypal,nd hope it will not be suspended.

  38. Hello Mr. Abass, Please I need your help to withdraw my earning on fiverr.com, I have applied for payoneer card but though they promised to send it since up till now I am yet to get and i want to withdraw my earning on the website, please can you help me with your card?

    1. Ideally, your Payoneer card should arrive within 30 days (at most). If you’ve waited for that long and haven’t gotten it, chances are your card is lost-in-transit. I will advice that you visit the post offices nearest to the delivery location you submitted. Ask them if they got the card. If they didn’t then you have to contact Payoneer to inform them.

      Payoneer will be willing to send the card again, but use an address that receives mails this time around. If you don’t usually receives post mails at your house address, don’t use your house address! Use an address where post mails are received often. It could be a friend or relative’s address.

      PS. If your card gets lost-in-transit the second time, Payoneer will demand a $50 payment before sending it the third time. So, you need to be very careful this time around.

  39. Hello Abass,

    It’s only a few Nigerians that would do what you’re doing presently for free. You’re well appreciated bro.

    With other people’s many questions, and your prompt responses, you’ve indeed opened my eyes. I appreciate u once again.

    I need help, I’ve always wanted to explore into forex, but pity enough, I’ve got no one to put me through for free. I’d kindly appreciate your guide pls. Many thanks.

    Permit me to ask pls, how would i use my paypal account to buy stuffs especially books, and few gadgets from foreign stores, and get it delivered here in Nigeria?

    Would u recommend any pls?
    Keep the good work up!

    -sylvester
    pin:211F2BD3

    1. Sylvester,

      To be frank with you, I don’t know much about Forex trading, so I won’t be of help in that regard.

      As for buying from foreign stores, you can definite use PayPal for that purpose. But bear in mind that not all stores deliver to Nigeria. So, before you place any order, contact the store to confirm if they ship to Nigeria.

      Using PayPal to buy stuffs is very easy. On the seller’s website just choose whatever you want to buy, click checkout, choose PayPal as your payment option, and enter your PayPal account details.

  40. Many healthy thanks bros. I appreciate. You’re really doing a good job here.

    As per buying stuffs online, I’d sure give it a shot. And if anything comes up some other time, I’d get in touch for ur guide. Once again, thank u, and have a gud day.

    -sylvester

  41. Mr abass thanks so much for the good work. Please what will happen to our funds in our paypal account if the almighty paypal try to ban Nijas from using their platfom. Thanks.

  42. I have a paypal account opened in 2008. How do i close this account to open fresh account verifiable with all my nigeria documents? Or will it be better if paypal will permit me to change/edit profiles to current address? Also, will paypal permit me to operate a biz account and a personal account with different address but same name and age? If NO, how do i close them without logging in?

  43. I learnt one can now open the account in Nigeria ,what are the steps or the best way to open the account.

  44. I’ve opened my PayPal account by simply logging into the paypal website paypal. Com.
    The only problem I have encountered is adding funds to the PayPal account. I tried using my master card from 2 different banks but it kept telling me my entries were invalid.

      1. Hello Abbas,

        You seem to have ommited response to my enquiry earlier. Please, what about money with payza, how can one receive it in Nigeria. Thanks.

  45. Which bank in nigeria support worldremit…. Plz can you enlighten me more about world remit? Will the money be remitted directly to my bank account from any country without paying any charges? Thanks

    1. I’m not sure if all banks in Nigeria support Worldremit, but I’m sure GTB does. Provided the sender is in the UK, the money can be remitted directly from the sender’s PayPal account to your GTB account here in Nigeria. Of course, charges apply, but they’re very reasonable. Presently, Worldremit does not support sending money from the PayPal account of someone in the USA to Nigeria.

  46. I once registered my credit card number with paypal but I’m unable to locate that paypal account so I decided to register again but I was asked to cancel the first registration. what can I do to locate the first account and to register the new one successfully?

    1. Simply send them the details you can remember about the first one and tell them to help you generate the password so you can access it again. You really don’t have to open another one.

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