How to Create a PayPal Account in Nigeria: A Step-by-Step Guide

Having a PayPal account has become a necessity for online transactions. Whether you’re shopping online, freelancing, or running an e-commerce business, PayPal provides a secure and convenient way to send and receive money globally. If you’re a resident of Nigeria and are looking to create a PayPal account, you’re in the right place.

In this article, we will walk you through the step-by-step process of creating a PayPal account in Nigeria.

What Is PayPal

PayPal is a widely recognized and widely used online payment platform that enables individuals and businesses to send and receive money electronically. It serves as a virtual wallet, allowing users to link their bank accounts, credit cards, or debit cards to their PayPal accounts for seamless and secure transactions.

With PayPal, users can make payments for goods and services, send money to friends and family, and conduct business transactions across the globe. The platform provides a convenient way to shop online, pay bills, and manage financial transactions without the need to share sensitive payment information with multiple websites.

One of the key features of PayPal is its buyer and seller protection, which offers a level of security and confidence for both parties involved in a transaction. PayPal also facilitates international money transfers, making it a valuable tool for individuals and businesses engaged in cross-border commerce.

Is PayPal Available in Nigeria?

Yes, PayPal is available in Nigeria, but with certain limitations. While Nigerian PayPal accounts can send and receive payments, they are restricted from receiving payments for goods and services. However, you can use your PayPal account for online transactions and to receive funds from friends and family.

Benefits of Having a PayPal Account

Having a PayPal account offers several advantages:

  • Global Transactions: PayPal allows you to make and receive payments from individuals and businesses around the world.
  • Secure Transactions: PayPal uses advanced security measures to protect your financial information and offers buyer and seller protection.
  • Convenience: You can link your bank account and cards to your PayPal account for seamless transactions.
  • Accepted by Online Retailers: Many online retailers accept PayPal, making it easy to shop online without repeatedly entering your payment details.
  • Send Invoices: If you’re a freelancer or business owner, you can send professional invoices to clients.

Documents Required To Create A PayPal Account In Nigeria

Before you begin the process of creating a PayPal account in Nigeria, make sure you have the following:

  • A valid email address
  • A Nigerian mobile number
  • A valid form of identification (e.g., international passport, driver’s license)

How To Create A PayPal Account In Nigeria

In order to create a PayPal account in Nigeria for online transactions, you should follow the process below:

  1. Visit the PayPal website ( and click “Sign Up.”
  2. Choose the account type you want (Personal or Business) and click “Get Started.”
  3. Enter your email address, create a password, and click “Next.”
Verifying Your Email Address
  1. Log in to the email account you used to sign up for PayPal.
  2. Open the verification email from PayPal and click the link to confirm your email.
Linking a Bank Account
  1. Log in to your PayPal account.
  2. Click “Wallet” at the top of the page.
  3. Click “Link a Bank Account” and enter your Nigerian bank account details.
Confirming Your Bank Account
  1. PayPal will deposit a small amount into your bank account.
  2. Check your bank statement and note the amount.
  3. Log in to your PayPal account, click “Wallet,” then click “Confirm Bank Account.”
  4. Enter the amount deposited and click “Confirm.”
Adding a Debit or Credit Card
  1. Log in to your PayPal account.
  2. Click “Wallet” and then “Link a Card.”
  3. Enter your card details and click “Link Card.”
Confirming Your Card (KYC)
  1. PayPal will charge your card a small amount.
  2. Check your card statement, note the amount charged.
  3. Log in to your PayPal account, click “Wallet,” then click “Confirm Card.”
  4. Enter the amount charged and click “Confirm.”

Security Measures To Protect Your PayPal Account

Ensuring the security of your PayPal account is of paramount importance to safeguard your financial information and prevent unauthorized access. Here are some crucial security measures you should take to protect your PayPal account:

  1. Strong Password: Choose a complex password that includes a combination of uppercase and lowercase letters, numbers, and special characters. Avoid using easily guessable information such as birthdays or names.
  2. Unique Password: Use a unique password for your PayPal account that you don’t use for other online services. This prevents a security breach on one platform from affecting your PayPal account.
  3. Two-Factor Authentication (2FA): Enable 2FA for an extra layer of security. With 2FA, you’ll need to provide a second piece of information (such as a code sent to your mobile device) in addition to your password when logging in.
  4. Security Questions: Choose security questions with answers that are not easily guessable and that only you would know. Avoid using information that can be found on your social media profiles.
  5. Device Security: Ensure the devices you use to access your PayPal account are secure. Use strong PINs or passwords to lock your devices, and avoid using public or unsecured Wi-Fi networks for transactions.
  6. Secure Email: Keep your email account secure, as it’s often linked to your PayPal account. Use a strong password, enable 2FA if available, and regularly review and delete unnecessary emails.
  7. Phishing Awareness: Be cautious of phishing emails or websites that mimic PayPal’s official communication. Always double-check the sender’s email address and verify the website’s URL before entering any login credentials.
  8. Official App: Download the official PayPal mobile app from reputable sources such as the App Store or Google Play Store. Avoid third-party apps that may compromise your security.
  9. Regular Account Review: Periodically review your PayPal account activity to ensure there are no unauthorized transactions. If you notice any suspicious activity, report it to PayPal immediately.
  10. Linking Bank Accounts and Cards: Only link verified and trusted bank accounts and cards to your PayPal account. Be cautious when providing financial information.
  11. Secure Transactions: Look for the padlock symbol and “https” in the URL bar when accessing PayPal’s website. This indicates a secure connection.
  12. Log Out: Always log out of your PayPal account after completing transactions or accessing your account. Don’t leave your account logged in on public computers or shared devices.
  13. Email Alerts: Enable email notifications for account activity and transactions. This will help you quickly identify any unauthorized actions.
  14. Account Limits: Set transaction and withdrawal limits to prevent large or unauthorized transfers.
  15. Regular Updates: Keep your device’s operating system, browser, and security software up to date to protect against vulnerabilities.

By implementing these security measures, you can significantly enhance the protection of your PayPal account and conduct your online transactions with confidence.

How to Send Money With Your PayPal Account

In order to send money with your PayPal account you should follow this process

  1. Log in to your PayPal account.
  2. Click “Send & Request” at the top of the page.
  3. Enter the recipient’s email address or phone number, the amount, and currency.
  4. Review the details and click “Send.”

How to Receive Money With Your PayPal Account

  1. Provide the sender with your PayPal email address.
  2. Once the sender initiates the payment, you’ll receive a notification.
  3. Log in to your PayPal account to access the received funds.

Common Issues and How to Resolve Them

  • Unverified Account: Complete all verification steps to lift transaction limits.
  • Failed Transactions: Check your bank/card details or use a different payment method.
  • Disputes: Communicate with the seller and escalate to PayPal if needed.

Frequently Asked Questions

1. Can I receive payments for goods and services with a Nigerian PayPal account?

No, Nigerian PayPal accounts are restricted from receiving payments for goods and services.

2. Can I use my PayPal account for international transactions?

Yes, PayPal allows you to send and receive money internationally.

3. Are there any fees for creating or using a PayPal account in Nigeria?

Creating a PayPal account is free, but there may be fees for certain transactions.

4. What should I do if I forget my PayPal password?

You can reset your password by clicking “Having trouble logging in?” on the PayPal login page.

5. How can I contact PayPal customer support?

You can reach PayPal customer support through the “Help & Contact” section of the PayPal website.


Creating a PayPal account in Nigeria opens doors to seamless online transactions and global connectivity. By following these steps, you can set up your account, link your bank account and cards, and enjoy the benefits of secure and convenient digital payments.

Leave a Comment