How To Open PayPal Account In Nigeria, Verify And Link It With Your MasterCard

PayPal is arguably the most popular and globally accepted means of online transactions that offers a very strong user security. When it was initially launched, Nigerians and some other countries were excluded from the list of supported countries but later in June 16, 2014 Rupert Keeley, the executive in charge of the EMEA region of PayPal, the payments unit of eBay Inc, said in an interview on Monday (16th June, 2014) that 10 new countries were going to make their list of which Nigeria was included. However, Nigeria was only limited to sending money and using the platform for online transactions but "can't receive funds" as of today.

PayPal Holdings, Inc. is an American company operating a worldwide online payments system. Online money transfers serve as electronic alternatives to traditional paper methods like checks and money order" 
On this article, am going to show you how to open a PayPal account in Nigeria, verify it and link your bank account with it so that you can make online purchases and transactions safely and easily.

There are many advantages enjoyed with the use of PapPal and i will highlight seven of them according to an online fellow
1. Credit card security: When you sign up for a PayPal account, you type in the credit cards and bank accounts you wish to use for purchases one time on the PayPal secure system. Once that is accomplished, you never again have to disclose your credit card information online. By paying with PayPal, you keep your credit card information private, meaning that you can shop without worrying about a hacker downloading your account data from your online merchant.

2. Sending money: Whether you need to send money to a child at college or a friend in trouble across the globe, PayPal users can instantly transfer money to them with just a click of the mouse. Save time and money over costly Western Union style transfers while getting money to where you wish to send it faster than ever.

3. Cost: One of the best reasons for using PayPal is its cost: free. That’s right. No annual membership fees, no processing fees, no service charges. Shoppers using PayPal get all the powerful advantages associated with the service and do not have to pay one dime.

4. Discounts: PayPal sponsors special discounts for customers that shop with PayPal at selected retailers. Users who visit can find the latest special offers from companies like HP, Barnes & Noble, Wal-Mart, Nike, and more. The bottom line is that PayPal can save you money on the things you need at the places where you shop. To take advantage of the savings all you have to do is copy the special promo code from the PayPal shopping Web page and paste it into your order at your merchant’s site when you pay with PayPal.

5. Online Auctions: How could anyone talk about PayPal without mentioning eBay? Because PayPal is integrated with the online auction powerhouse, you can place bids and make purchases safely. Buyer protection and a structured complaint resolution process means that eBay bidders have more protection than most credit card holders when it comes to one of the most popular online shopping sites.

6. The iPhone App: The PayPal iPhone application makes it easy to shop online and transfer money wherever you are. All you have to do is visit the Apple iTunes store and search for the PayPal app and you will be ready to transfer, send money, pay bills, review your transaction history, and make purchases right from the palm of your hand. Because PayPal will ask you to confirm transactions with a PIN, you can rest assured that your finances are safe should your iPhone be lost or stolen. If you meet someone you need to pay while out on the town, just bump iPhones and make your transfer.

7. Flexibility: Relieve yourself of the embarrassment and hassle of trying to purchase goods and services online only to have your credit card declined. Because you can set up multiple bank accounts, debit cards, and credit cards to fund your PayPal account, you can rest assured that your PayPal purchases always go through the first time. PayPal will then look for funds from your sources based on the order you define.

8. Paying For Goods And Services: Paypal allow you to pay for any goods and services online no matter the country or part of the world. For instance, bloggers can easily pay for domain and hosting services from any website with a paypal account. The same goes with funding Swisscoin E-wallet and other online transactions



Here is a beginners guide to signing up a paypal account from Nigeria.
1. Visit Paypal Nigerian homepage via and click on Signup at the top right corner of the page.
2. Click on “Open Account” under the “individual” section for a personal account.
3. Fill in all details and click on “Agree and Create Account“.


"Without verifying your paypal account, you would be placed at a $250 limit. Verifying your paypal account lets you spend as much as you will"  
4. A new page would come up with a form to log in your Card details. I used my GT Bank’s Naira MasterCard to get mine verified.
5. You’ll be redirected to your account’s dashboard. But there are few things you still need to do. Firstly, you have to activate your paypal account by clicking the activation link sent to the mail you registered the account with. Secondly, you need to link and confirm your credit or debit card. Click on “Link and confirm credit or debit card” or “Get Verified” link in your account’s dashboard, insert your GTB Mastercard details here again, then click on “Continue“. You can make use of any Nigerian bank’s Visa or MasterCard.
6. Paypal would deduct $1.95 from your card which they’ll refund in 24hrs. Now, your bank will alert you via SMS or email with a code which you’ll use in completing the whole verification process.
Your bank’s SMS alert should read.
The Naira equibvalent of USD1.95 has been authorized for the transaction done on PP*0123CODE 0123456789FF
What you need do is copy the 4 digits before CODE (highlighted in red) from your mail or SMS alert. That’s what you need to confirm your card.
7. You now have to login once more to your Nigerian Paypal account and click on “Confirm Card” link which should appear on the right sidebar of your dashboard. Then type in the four-digits you copied from your bank alert and click on “Confirm Card” as shown below.
verify your card
8. You’ll get a success popup if everything was fine and successful.
mastercard confirmed
Here is a screenshot of my Nigerian verified Paypal account.

And that’s how easy it is to signup a Nigerian Paypal account and get verified using any debit or credit card. Remember, I made use of my GTBank MasterCard here and it did work for me.

First Bank offers this option through their exclusive deal with PayPal. How does this work?

  1. Simply login in to your Internet banking account using your password and token
  2. Choose the “PayPal wallet” in the main tab and click “create PayPal wallet” on the drop down menu
  3. Select which cards you wish to link to your PayPal account and which card will be the default card. Try using one card for easy reconciliation
  4. Press the button on your online token and confirm accordingly
  5. Create a password in the pop up window that appears
  6. Click on “agree and create account”.
  7. Go to your registered email account with the bank which confirms that you have created a PayPal account


Ques: Does Paypal only support the GTB Naira MasterCard In Nigeria?
Ans: No, people also making use of UBA, Zenith, Access and some others bank’s credit cards have been verified using same procedures in this tutorial.
Ques: What Credit Card Types are accepted by Paypal?
Ans: Paypal supports Visa, MasterCard, American Express and Discover Debit or Credit Cards
Ques: How Do I Fund My Nigerian Paypal account to make online purchases?
Ans: You don’t have to worry about funding your paypal, whenever you make an online purchase, your linked credit/debit card would be charged.
Ques: Can I make Transfers to other Paypal Accounts?
Ans: No, for now Paypal has not enabled peer-to-peer transactions in Nigeria.
Ques: Do I need a token device before I can get Verified?
Ans: No, that isn’t necessary
Ques: Can I add My Bank Account to Nigerian Paypal like I did in my US Paypal?
Ans: No, PayPal doesn’t offer this feature at this time for Nigerians.
Ques: Can I add more than 1 Debit/Credit Card to my Paypal account?
Ans: Yes
Ques: Can I purchase services from sites like Fiverr, Addynamo, Amazon with a Nigerian Paypal?
Ans: Yes, it works on all sites that accept Paypal payments.
>> GTBank
>> First Bank
>> United Bank For Africa
>> Fidelity Bank
>> Diamond Bank
>> Eco Bank
These are the banks i have confirmed that can be easily linked with a PayPal account.
Now, I’ll be glad to know which card you used in verifying your Nigerian Paypal account. Share your thoughts using the comment section below, and please do not forget to share this post with your friends. They might find it useful. Cheers! As an online marketer and person that would like to utilize the flexibility of online transactions, PayPal is a must have for you.


  1. pls wizy paypal won't accept my visa UBA card..can you help me with dat?

  2. pls wizy paypal won't accept my visa UBA card..can you help me with dat?

    1. That's one problem with UBA. Just contact them and expain to them. It will be resolved

  3. Am A registered member of papa Since 2014 but I cant add my debit card (GTB & Diamond) because its only credit card that is accepted and am really confuse on what to do.

  4. wizy please what can you say of skrill? are you aware of it?

  5. Bro...please help me out, am trying to use my Gt Bank naira master card, but they keep on telling me that card not accepted

    1. Yes GTBank recently disabled their card support with PayPal. It's quite unfortunate but we hope they revert the decision soon.

  6. Can I receive payments from affiliate sites to my Nigeria PayPal account?

  7. Can I receive payments from affiliate sites to my Nigeria PayPal account?

    1. No. Unless your PayPal is linked with payoneer

  8. Would it be safe to use these people:

  9. I'm gonna retry this out cos i had started and then stopped somewhere

  10. I'm gonna retry this out cos i had started and then stopped somewhere