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How to Open a Paypal Account in Nigeria 2024

By Oluchukwu Ikemefuna

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PayPal has emerged as an essential tool for facilitating online transactions worldwide. If you reside in Nigeria and wish to utilize PayPal, you must follow specific steps.

This guide outlines the process of creating a PayPal account capable of both sending and receiving money within Nigeria, allowing you to benefit from the convenience and security of online financial transactions.

Paypal account in Nigeria

Introduction: What is PayPal?

PayPal Holdings, Inc. operates as an American multinational financial technology company, providing an online payments system across numerous countries that facilitates online money transfers.

Serving as an electronic substitute for conventional paper-based methods like checks and money orders, PayPal functions as a payment processor for various online vendors, auction sites, and other commercial entities, charging a fee for its services.

Also read: Flutterwave Terminates Barter

Guides to Creating a PayPal Account in Nigeria:

1. Understanding the Basics

Before initiating the PayPal account creation process in Nigeria, it’s crucial to grasp a few key points.

Availability: As of 2023, Nigerians have full access to PayPal, enabling seamless sending and receiving of payments, thereby enhancing your online financial capabilities.

Currency: PayPal transactions in Nigeria are primarily conducted in U.S. dollars (USD). You can connect your Nigerian bank account or card to your PayPal account to facilitate transactions.

Verification: To unlock the complete array of PayPal features, account verification is essential. This typically entails linking a bank account and confirming your identity.

2. Signing Up for PayPal in Nigeria

Here’s a detailed guide on how to create your PayPal account in Nigeria:

Step 1: Visit the PayPal Website
Navigate to the official PayPal website (www.paypal.com) and click on either the “Sign Up” or “Sign Up for Free” button.

Step 2: Choose Your Account Type
Select the account type that suits your needs: “Personal” for individual use or “Business” for commercial transactions.

Step 3: Provide Your Information
Enter your personal details, including a valid email address and a secure password. Your email address will serve as your PayPal login credentials.

Step 4: Add a Lesotho Address (recommended)
Due to PayPal’s stringent policies regarding Nigerian accounts, it’s advisable to use a Lesotho address during the account creation process. This helps ensure smoother transactions and minimizes the risk of account restrictions. By appearing to reside and conduct business in Lesotho, your account is less likely to encounter issues.

Step 5: Verify Your Email Address
PayPal will send a verification email to the provided address. Click on the verification link within the email to confirm your email address.

Step 6: Link a Card or Bank Account
To enable transactions, link your Nigerian debit/credit card or bank account to your PayPal account. PayPal will guide you through the verification process.

Step 7: Confirm Your Identity
PayPal may request additional identification documents, such as your national ID or passport, to verify your identity. Simply follow the instructions provided and upload the necessary documents. Ensure to use your Nigerian ID for verification, even if a different address from Lesotho is required. As long as you provide the requisite information, PayPal will approve the verification process.

Also read: Full LIst of Opay USSD Codes & How to Use Them 2024

3. Start Using PayPal in Nigeria

Upon successfully setting up and verifying your account, you can commence sending and receiving payments through PayPal in Nigeria. Here are some useful tips for effectively utilizing PayPal:

-Ensure a stable internet connection and use a secure device when conducting PayPal transactions.
– Provide the sender with the email address linked to your PayPal account to receive funds.
– Regularly monitor your PayPal transactions to stay informed about your financial activities.
– Bear in mind that PayPal imposes fees for currency conversion and international transactions.
– By adhering to these guidelines, you can confidently utilize PayPal, ensuring the security of your finances.


Creating a PayPal account in Nigeria in 2023 is a straightforward process. Simply follow these steps to begin utilizing this secure online payment platform for both personal and business purposes. Stay updated on PayPal’s policies and fees to maximize its benefits. Experience the convenience of managing your finances on a global scale.

Also read: CBN and Gluwa Partner to Boost the Use of eNaira

FAQ about PayPal:

  1. What is PayPal?
    PayPal Holdings, Inc. is an American multinational financial technology company that operates an online payments system that facilitates money transfers across many countries. It serves as an electronic alternative to traditional paper methods such as checks and money orders.
  2. What services does PayPal offer?
    PayPal functions as a payment processor for online vendors, auction sites, and various commercial users. It allows users to send and receive payments securely, making transactions convenient and efficient.
  3. How does PayPal charge for its services?
    PayPal typically charges a fee for its services, which may vary depending on the type of transaction and the region. Users should review PayPal’s fee structure to understand the costs associated with using the platform.
  4. Is PayPal available worldwide?
    While PayPal operates in the majority of countries that support online money transfers, its availability may vary depending on regional regulations and restrictions. Users should check PayPal’s website for the most up-to-date information on supported countries.
  5. What are the benefits of using PayPal?
    Using PayPal offers several benefits, including the ability to make secure online transactions, access to a global network of users, and the convenience of managing finances from anywhere with an internet connection.
  6. How can I start using PayPal?
    To start using PayPal, individuals can sign up for an account on the official PayPal website and follow the steps outlined in the registration process. Users should ensure they provide accurate information and comply with PayPal’s verification requirements.
  7. Can PayPal be used for personal and business purposes?
    Yes, PayPal caters to both personal and business needs, offering different types of accounts tailored to individual and commercial users. Whether you’re sending money to friends or conducting transactions for your business, PayPal provides versatile solutions.
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Christian Maximilian
Christian Maximilian

I am a Software Engineer, technical writer, and overall tech enthusiast. For me, utilizing my skills as a Software Engineer to perform Technical Search Engine Optimization is not just a job, but something I gladly incorporate into my pastimes as well, and I have been doing this for over 3 years.

When I'm not coding or writing technical documentation, I enjoy listening to music and exploring new genres.

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