The issue of PayPal and Nigeria has been around for a very long time.
Especially when Nigerians were not allowed to use their service, to either send or receive payment.
As a result, many questions were asked like:
How to open a PayPal account?
How to open and verify a PayPal account in Nigeria etc.
These questions were raised because of the inability of Nigerians to use the service make or receive payment online.
In 2014, Nigeria and 9 other countries were allowed to start using PayPal, but only to make payment and not to receive it.
Well even though it was a great step, there is still one more step remaining: that’s how to start receiving payment.
Well, that’s the whole essence of writing this article as I will show you the step by step process you’ll need to open, verify and begin to use the PayPal account to receive and make payment.
Is this legal?
It is. In 2015, I emailed PayPal and ask them if they can allow Nigerians to begin to receive payment.
They replied me by telling me that they’ve submitted a formal request to the Nigerian government whom they’re waiting for their approval.
They further ask me to use another method like using a friend or relative in an approve country who’ll open and verify it for me or I can use the third party means.
Well, that’s what I will be showing you. But before we go into the steps required, let’s know what PayPal is.
What is PayPal?
Paypal is the most secure online payment solution, where you can send and receive money online without exposing your credit or master card details.
Rather using your registered email address.
How do PayPal works?
Once you have an account (which I will be showing you how you can create one in a moment), you’ll have to log into it and save your card details.
When making a transaction, you use the email you sign up with and authorize PayPal to make the payment on your behalf.
Paypal withdraws the money from your bank account, and send it to the person you’re sending to.
Does PayPal work in Nigeria?
Paypal started a long time ago, but it was only in 2014 that Nigeria was allowed to start using it by sending payments and not receiving it.
In Nigeria, the following are what you can do through PayPal in Nigeria:
- Make payment for online goods and services
- Send money to family members or friends
- Make donations to several organizations or charity.
What you’ll need in opening and verify your PayPal account in Nigeria
Because we want our PayPal account to begin to receive and send payment as well, you’ll need the following:
- VPN-You’ll need to change your IP address when accessing the PayPal account always, that’s why you need one.
- Payoneer account. This is the account you’ll use to verify your account and receive your money right here in Nigeria
- Dedicated browser for that PayPal account.
How to open your PayPal account in Nigeria
The steps below show you the step by step process of opening and verifying your PayPal account. Each step is important and skipping one might be fatal.
If you’re ready, let’s dive in.
Step 1: Get a VPN to hide your IP address
Paypal has a strong policy and can ban your account if they pick your IP address in a location that they have restrictions that’s why we want to use the VPN to hide our IP address or change it to look like we’re browsing from a different location.
My favorite VPN is called ExpressVPN, which you can use. Of cause it comes with a price attached to it.
But if you don’t have money to spare, for now, you can head over to www.hidemyip.com to download a VPN you can use for 14 days for free.
This is great for the account opening period and can be used for the 14 days before you can head over to the paid version or use the ExpressVPN.
Now head over to www.hide-my-ip.com. There is a menu you’ll see at the top. Click on products.
What you’ll see after you’ve clicked on products is a drop-down menu.
There will be a wide range of products, but our interest is the hide my IP software. Now when you take your mouse and point at it, you’ll be referred to another drop-down menu to choose the software base on your PC type.
After choosing the one that’s based on your PC specification, then this will take you to the place where you can download the software.
All you need to do now is to click on download and this will begin the download of the software. The hide my IP goes for $29.95 but you can get 14 days free if you click the link below.
After downloading, go ahead and install it. The installation is pretty straightforward.
Note: At this point, we’ve installed the software, but we shall not be using it for now. Just keep reading.
Now you’re ready to move to the next step.
Step 2: Sign up to get a Payoneer account
Because you cannot receive money, you’ll have to look for a convenient way to do that and that’s where Payoneer comes into play.
Payoneer gives you a free bank account and MasterCard that you can use to receive and withdraw your money here in Nigeria.
Another vital thing they do is you can use the Payoneer service to verify your PayPal account all for free.
Click on sign up either at the top right hand or bottom left hand. And this will take you to their sign up page.
Fill out the fields and click on next. For you to complete the Payoneer registration, you’ll need to go through a five-step process.
After the completion of your registration, you’ll need to log into your account.
Once signed in, you’ll see receive which when click, it’ll bring out a drop-down menu which you’ll see three items. Now go ahead and click on the global payment service.
This will, however, take you to the page where you’ll see your account number details like:
Your bank account
Note: the Payoneer master card will be sent to you within 3-6 weeks after you sign up. But you can still receive payment directly into your bank account when you register your account details with your swift code (which your bank will give you).
Once you’re done with this step, now you can move to the next step. That’s to get a foreign address.
Step 3: Get a foreign address
Now because you want to start receiving money using your PayPal account, you’ll need to use a foreign address so that it’ll look like you’re resident in that country.
To start with head over to the fakenamegenerator.com to get a foreign address.
Our interest is the address which will be provided after using the fake name generator search to generate. By default, the fake name generator will give the name and address from the United States.
You can always change the gender, name set & country, but our interest here is the united states address.
Once you’re done with getting your address, now move to the next step.
Step 4: Get a new email address
Getting a dedicated email address is pretty important for your new PayPal account. When signing up, you use your real name, but include your foreign address as your preferred address.
The email service you can use will depend entirely on you. But whichever one you use, you still can get an email address.
When the gin up is completed, you can move to the next step.
Step 5: Sign up for PayPal
Now we’re ready to move to the procedure of opening an account. But before navigating to the PayPal official website, ensure that you’ve to change your IP address.
If you can remember, we’ve downloaded our hide my IP software which we can use for that process and I assume you have already installed it.
Now click on the hide my IP software to open the software. Once you open, it will display your current IP address.
Click on Hide my IP which you’ll use to change your IP location.
Now that we’ve successfully change our IP address, then head over to www.paypal.com to begin signing up for a free account.
Which will take you to the place where you’ll need to fill in your details:
In about less than 5 minutes, you should be able to complete your registration.
Step 6: verify your PayPal account
Now verifying your PayPal account is the next step. Without a verified PayPal account, you’ll be placed under a $250 spending limit. That makes verifying PayPal account very important.
One great way to do it without spending a dime is by:
Adding Bank Account Number and Routing Number Given to You by Payoneer
In other to begin the process, following the following step.
- Log into your PayPal account
- Take your mouse pointer to the right hand of your PayPal home page, to locate profile” or on Confirm your account as it may appear.
- Choose the link a card option.
- Then choose “the bank of America” option
When the page opens, scroll down to where you’ll see Enter account number manually instead.
Under account type, you’re to select checking then click on agree and link button.
Paypal will then send in small cent into your Payoneer bank account which can take 2-3 days. Once you receive the payment, you can log into your PayPal account and enter the cents in the spaces provided.
Once it’s done right, your PayPal account will be verified and thus you can use it to send and receive payment beyond the limit.
One great thing you do is that after the verification, you have also linked your PayPal account with that of Payoneer.
This means that you can always send payment from your PayPal account to your Payoneer account.
Note: Always ensure that when logging into your account, to change your IP address.
Whether PayPal can allow Nigerians to begin receiving money anytime soon is still not known. But following the steps above remove that barrier and can begin to receive money at your doorstep.