PayPal has officially gone live in Nigeria, ending years of restrictions that prevented Nigerians from receiving international payments directly.
Through a strategic partnership with Paga, Nigerians can now receive PayPal payments from abroad and withdraw funds in Naira — without using foreign bank accounts or third-party workarounds.
This development is a major boost for:
Freelancers
Remote workers
Online merchants
Exporters
Content creators
In this guide, you’ll learn what PayPal’s Nigeria launch means, who can use it, and how to receive international payments in Naira step by step.
What Changed? PayPal Now Supports Incoming Payments in Nigeria
Previously, PayPal accounts in Nigeria could only send money, not receive it. That limitation forced users to rely on alternative platforms or intermediaries. Now, with PayPal’s integration with Paga:
Nigerians can receive payments from over 200 countries
- Funds are settled locally in Naira
- Money can be transferred to Nigerian banks
- Users can pay bills and merchants locally
This makes PayPal fully functional for Nigeria’s digital economy.
Why PayPal’s Launch in Nigeria Is a Big Deal
1. Easier Access to Global Income
Nigerians can now get paid directly by international clients without routing funds through foreign accounts.
2. Boost for Freelancers and Remote Workers. Platforms like:
Upwork, Fiverr, Freelancer, Etsy, Shopify can now pay Nigerian users more easily.
3. Stronger Financial Inclusion
By combining PayPal’s global reach with Paga’s local infrastructure, more Nigerians can participate in cross-border commerce.
Who Can Use PayPal in Nigeria?
You can use PayPal in Nigeria if you are:
A freelancer or remote worker
An online business owner
A digital service provider
Someone receiving money from family or friends abroad
You only need:
A verified PayPal account
A Paga account
Valid personal details
Step-by-Step Guide: How to Receive PayPal Payments in Nigeria
Step 1: Create a Paga Account
Download the Paga app (Android or iOS)
Or sign up at paga.com
Complete your profile and identity verification
Paga serves as the local wallet that receives PayPal funds in Naira.
Step 2: Sign Up or Log In to PayPal
- Create a PayPal account using your email
- Verify your email and personal information
If you already have a PayPal account, simply log in.
Step 3: Link Your PayPal Account to Paga
- Open the Paga app
- Go to Payments / Linked Accounts
- Select PayPal
- Authorize the connection
Once linked, your PayPal account can send money directly to your Paga wallet.
Step 4: Receive and Withdraw Funds in Naira
After linking:
- Receive payments from international clients
- Funds arrive in your Paga wallet
- Withdraw directly to your Nigerian bank account
- Pay bills or merchants in Naira
No dollar accounts. No middlemen.
Fees, Limits, and Things to Know
- PayPal charges standard international transaction fees
- Currency conversion applies when funds are settled in Naira
- Transaction limits depend on verification level
- Always keep both accounts fully verified to avoid restrictions
Pro Tips to Maximize PayPal in Nigeria
✔ Use the same email on PayPal and Paga
✔ Enable two-factor authentication
✔ Monitor exchange rates before withdrawals
✔ Keep records for tax and business tracking
Frequently Asked Questions (SEO FAQ Section)
Is PayPal fully available in Nigeria now?
Yes. Nigerians can now receive and withdraw PayPal payments through Paga.
Can I receive PayPal money directly to my bank account?
Yes. Funds are withdrawn to your Nigerian bank via your Paga wallet.
Is PayPal safe to use in Nigeria?
Yes. PayPal uses global security standards, and Paga is a licensed Nigerian fintech.
Can businesses use PayPal in Nigeria?
Yes. Both individuals and businesses can receive international payments.
Final Thoughts: What This Means for Nigerians
PayPal going live in Nigeria marks a new era for digital earnings.
It removes long-standing barriers and allows Nigerians to:
For freelancers, entrepreneurs, and digital creators, this update is a game changer.