How to Open and Verify PayPal Account in Nigeria

paypal account in nigeria

PayPal is a globally accepted means of payment anywhere in the world and we shall be looking at how to open a PayPal account in Nigeria. Many people know what a PayPal account is and have used it many times to make payment and receive payment. But for the purpose of the people that don’t have much knowledge of it, I will be describing what a PayPal account is, and later I will explain how you can open and verify it in Nigeria.

If you already know what PayPal is all about but just want to know who to open and verify it, scroll down to the subheadings describing the process below.

What is A PayPal Account?

A PayPal account is an online payment platform owned by PayPal Holding Inc. PayPal is one of the widely used online payment processors, supporting payment in almost all countries. Before 2014, Nigeria was among the countries in which the usage of PayPal isn’t available, but now it is available for usage, with some restrictions.

With a PayPal account, you can pay for products and services online, without the merchant seeing your local bank account detail. Besides PayPal is a comfortable way to pay on Amazon, Godaddy, Gearbest, Aliexpress,  Ebay and other international e-commerce websites.

Now you know what PayPal is. Let’s go and open one.

How to Open PayPal Account in Nigeria

For the purpose of this post, I will be using my Android phone to open a verified PayPal account in Nigeria. The steps are the same for PC.

Follow the steps below to sign up for the PayPal account:

  • Go to PayPal website on
  • On landing on the PayPal website, tap on Menu, located at the top left corner: Tapping Menu will expand the option.
Paypal Homepage

On the displayed option, you will see the option called PERSONAL, with a V-sign beside it. Normally PayPal allows two type of accounts – Personal and Business. However the business account isn’t available in Nigeria.

  • Click on Sign Up below PERSONAL: This loads a Personal Account form page.
Sign Up Paypal
  • On the first form page, fill in your Email address, and create and confirm a password.
  • After filling your email address and password, tap on Continue: Tapping continue loads the second page of the form.
Paypal form page 1
  • On the second form page, fill in all the personal information required. Make sure your Street Address 1 is the same as the address you used in opening the local bank account of the ATM card you will be linking with the PayPal account. You don’t have to feel Street Address 2.
  • Tap on the box below Mobile to accept User Agreement and Privacy Policy.
  • Tap on Agree and Continue.
Sign up paypal page 2

By tapping on Agree and Continue, you have successfully registered a PayPal account in Nigeria. The next step is to verify the account.

How to Verify Your Nigeria PayPal Account

To verify the Nigeria PayPal Account you just registered, you have to first activate the account through a link sent to your email, and then you must link your Nigeria Master or Visa card. See the steps below:

  • Login to the email address you used in registering the PayPal account and find the email from PayPal.
  • Open the email and click Activate My Account: This will activate the account and give you a first-time login access to your PayPal account.
Paypal verify email
  • While you are still logged in, locate and tap on get verified.
  • Tap on Link a card.
  • Fill in your Master or Visa card information and tap on Save.

On tapping save, $1.95 will be deducted from the account of the card you are trying to link. The money will be refunded within hours. The deduction is to verify your ownership of the card. This charges also creates a unique 4-digit code which you will use in the confirmation of the card.

  • After receiving the 4-digit code from your bank, login to your PayPal account, tap confirm credit card, enter the code and tap continue. The code is the 4-digit number after PP* in the message from your bank.

That’s all, you now have a verified Nigeria PayPal account, the next step is funding and using it to pay for products and services online.

How to Fund Nigeria PayPal Account

Actually, at present, there is no way to fund Nigeria PayPal Account as a result of the restrictions still placed on Nigeria by PayPal. Nevertheless, you can use your Nigeria PayPal Account to make payment online. Instead of funding your PayPal account and then make payment using the fund in the account, payment with Nigeria PayPal account is deducted directly from the fund in the Master or Visa card you linked to your PayPal.

So you don’t fund the PayPal account. Money will be automatically deducted from your local bank account as you buy stuffs online through the PayPal account.

Aside the restriction on personally funding account, Nigerians can’t receive PayPal funds, too. I believe that as time goes on, all restrictions on Nigeria would be lifted and we will be able to enjoy the full features of this payment processor. In the meantime, keep shopping with your just created Nigeria PayPal account.

But for Nigerians with foreign PayPal account that they use in receiving money from abroad, you can sell or withdraw your PayPal funds to receive Naira with the help of PayPal exchangers.

One good PayPal exchange company you can use in Nigeria is They are a fast growing E-Currency exchanger based in Lagos, Nigeria. 

To sell your PayPal funds to receive Naira, You would have to register on their website at

Login to your Mytopexchange account dashboard and place a PayPal sell order. After you send PayPal funds to their PayPal account, your transaction would be processed immediately and Naira payment would be sent to your bank account using Mytopexchange Dollar to Naira exchange rate.

MyTopExchange have a physical office in Lagos where you can carry out your transaction in person. You can find their address on their website contact page. You can contact MyTopExchange on phone number: 08144333114.

Posted by Adedapo Olatunde

Geek. Webhead. Editor at Techrabytes. Minimalist. Environmentalist. Aspiring Martian. I'm on Facebook and Twitter


  1. Can we use the PayPal services from Auction Essistance to help us open an account in a different country?

  2. Yes, I have also come across Auction Essistance too. I remember my friend told me they offer withdraw service for us users in Nigeria since we cannot accept payments to our Nigeria PayPal.

    • Hi Israel
      You don’t have to use a different Ip address or country name to open a Nigerian PayPal account.
      I have a Nigerian Paypal account.
      The limitation is, you can’t fund this account but you can make online purchases.

      You only go for change of IP if you want to enjoy full priviledges.

  3. Hi Adedapo Olatunde. Can you help me make a purchase online with paypal & then I’ll pay you the equivalent amount in naira? Is this something you’re open to?

  4. Hi Adedapo Olatunde. I successfully opened a paypal account but it rejected my diamond visa card & I cant link it. We’re almost in a new month. I want to purchase a gig of just $21 on Fiverr. Like I said, I’ll pay the equivalent in naira to you. What do you say bro, help a brother out? How do we connect, so we can talk?

  5. Hello sir. It’s rejecting all the cards I’ve tried to add. I really need to activate it and use it. Please kindly drop your contact for me.

  6. I read about it on another blog dat say u can use it received money if u open through first bank with a visa Gold card

  7. Who needs a verified PayPal(naija or foreign)account or payoneer here in Nigeria to send and receive funds. I just made for someone and its working, call or Whatsapp me on 08107128935…PayPal is so necessary

  8. Hi please i kept on getting this message as i try to link my account-“check your account detail and try again later”

  9. Hi everyone. Merry Christmas. If you want to buy gigs on fiverr contact me. I’m a successful seller there. I’ll drop my username for you to check me out before we make a deal. I’ll pay for you in $ and you pay me the equivalent in Naira

    • Can you help me, someone want to send me some money from Vietnam can you send me the money in naira then he will send you in dollars

  10. This card is not accepted. Please use a different card this is the message I received when I tried my UBA visa naira card

  11. If you want to buy anything online and you need paypal payment, please contact me. I will assist you buy it and get equivalent.

    • How can u help.. Am trying to get an online book through PayPal payment but PayPal keeps declining my card.. What do I do

  12. it has rejected my visacards, mastercard and payoneer card. I don’t have a dollar card. What next? Make I rest???

  13. On the paypal form only the firstname and lastname have been ask, what about people with 3 names? that is the middle name, is it needless?

  14. Pls sir how do I know if my card have been accepted? because I have entered the card and it showed “card have been added” but money have not been deducted from my account.

  15. Sir, how long does it take for the 4-digit code to be send? because the card have been accepted and showed that $1.50 deducted but I havent receive any message.

  16. Hello, I have been trying to link my Gtb dollar MasterCard with my PayPal account but this is the message it’s telling me “the bank that issued your card didn’t approve this transaction” . Please what do I do??

    • Yes, you should visit your bank and ask them to activate your card for international transaction and paypal linking, after doing that come and try linking the card again. That also happen to me some ago when trying to link my card, but I visited the bank and ask them to enable the card for paypal linking and other international transactions and it worked just fine.

  17. Thanks for that man. Please I would like to know if it’s possible to make a transfer from my PayPal account to a foreign account directly. And if not how can I go about it? Thanks in anticipation

  18. what is all this Slfwhy can them just allow nigerians to use paypal to withdraw money na what have we done to thermal or are we thy only corrupt country ibid the world

  19. I don’t know why there is restriction in the first place. As a developing country we need to maximize the opportunity that technology offers and stop lagging behind.

  20. How can I save money into my PayPal account and link it to my local account here in Nigeria. Thanks

  21. I open a PayPal and i want to Link it to debit Card, it was rejected. They are asking for only credit card. what would i do to link it to my Debit Card.

  22. Please are you saying i can’t move the funds in my fiverr account to my PayPal if it was opened in Nigeria?What if someone opens the PayPal account for me from say Canada? Will that be fine? Won’t I have problems accessing the account here in Nigeria?

  23. i want to withdraw money on my platform,and only with paypal.what can i do to get the money out here in Nigeria?

  24. Please, some people are that nigeria paypal can recieve payment, is that true? What if one true changing the country’s name to USA can it work out that way.

  25. Truth is you can’t receive payments with Nigerian paypal, unless a business PayPal and must be from your site.. But if you want a verified PayPal that receives and sends money even without verifying your card call or whatsapp me on 08107128935, I’ll show u easy way to verify your card and ID to help you withdraw your funds too, it’s working for people too, as i see problem for most people isn’t receiving, its withdrawal. I’ll also explain Why PayPal blocks accounts and how to prevent it

  26. I’m following the steps you have given in this post but right now I’m stuck in the page where the” agree and create account”’s not going through, I’ve clicked and double checked and clicked again but nothing,what do I do?

  27. Found this post very helpful, thanks.
    But I want to know if one can link his/her bank rather than master/VISA card during verification.

  28. Hello Olatunde, very informative post you got here..Meanwhile, is it that a Debit card cannot be used to link PayPal account, and what other reliable method can be used to receive money from Abroad that can be withdrawable. Thanking you in anticipation of your prompt reply.

  29. I opened a PayPal Nigeria account some days ago, I linked my first bank account with my visa card… I didn’t get any code to verify. I was sent some sum amount of money from diamond BANK and GT BANK, 66, 000 from diamond bank and 33, 000 from GT bank but I wasn’t credited and they have already debited from the other banks, from the same bank again I was credited #100 and I was credited immediately. I don’t know if it was the PayPal account is receiving my money so I need to remove my card from the account. Please I need someone to help me on this…. It’s that the paypal received my money or I have problems with my bank. I use first bank, with master card… Please I need someone to help me on this.

  30. I tried to confirm my card and they deducted the money but i didn’t see any code in my transaction notification(i receive my alerts in my email)

  31. Please i have not been able to receive the 4 digit paypal code since on thursday so i that i can be able to confirm my card and the money has been deducted. What could be the problem?

  32. I found paypal online banking system helpful, this online banking method as safe me from stress all thanks, God bless you guys hoping too see more here

  33. Wow…. Wow…. Wow.. I can’t believe there is a post like this on the internet…. You just blew my mind…. Thanks a lot..

  34. Site too speedy…At first i was little bit skeptical reading this.But I’d say after giving it a try I must say this post really worth reading and will recommend to everyone.Thanks for sharing.

  35. I want to attach my Payoneer with paypal Is this work for me. As Paypal didn’t provide their services in Pak that’s why I want to attach this..!

  36. Hello please after I receive a payment on my PayPal, my account was blocked. Please what can I do?

Leave a Reply

Your email address will not be published.