How to Open and Verify PayPal Account in Nigeria With Your ATM Card (Image Guide)

Update: Contact us on how to get a verified PayPal Account in Nigeria that can send and receive funds.

PayPal on Tuesday, 17 June 2014 started accepting Nigerians and some other countries that were formerly restricted from using their services. This was great news for many entrepreneurs in these regions that could not have access to a lot of products and services that accept only PayPal as a form of payment. However, users from these countries can only make payments to merchants or individuals outside their region that accept PayPal. Users cannot receive payment for services they provide for now.

In this article, I am going to show you how to open and verify a PayPal account in Nigeria. Yes, you do not need to change your IP address. You will use your MasterCard/VISA ATM card (I used my GTBank ATM) to verify your PayPal account. What this means is that your PayPal account will now be linked to your ATM so that anytime you wish to pay for any goods or services online, the ATM card that is linked with your PayPal account will be charged.

READ: PayPal Extends Service To Nigeria and 9 Other Countries

Below is a STEP BY STEP GUIDE on how to open and verify PayPal account in Nigeria

  • Visit and click on Sign up for free/sign up
  • Choose to open an Individual Account
  • Complete the form using a valid and accessible email address that has not been used on PayPal and input your ATM details which include the card number, the expiry date, and the card verification value (Known as CVV or CSC) which is the 3-digit numbers at the back of your card.

paypal account

NOTE: Your billing address must match the address used in opening your bank account if not you might experience some challenges

  • Click on continue to proceed.
  • A security CAPTCHA will be given, fill the characters in the image and click continue

paypal account

  • You will now have to sign in to your email account and click on the verification link and sign in using your password
  • Once you have successfully signed in, click on the GET VERIFIED link
  • You will be redirected to a new page to confirm your card verification. Complete the information needed and click continue
  • For the verification process, PayPal will charge your card a refundable fee of $1.95 (About #312 @ 160 per dollar) to ascertain the authenticity of the card.

paypal account

NOTE: PayPal will credit the same amount back to your within 24 hours after the account has been verified.

  • Your bank will send you an SMS or email alert confirming this debit and in the message, you will find a 4-digit code that is associated with the debit. The message will look like this

paypal account

  • The 4-digit number is shown in the image above with an arrow. I blocked mine.
  • Go back to your PayPal account and click on confirm debit or credit card and enter the 4-digit code and click the confirm card button.
  • After the confirmation, a congratulation message will pop out

paypal account

  • Your account is now verified and when you login into your account, it will look like this:

paypal account

In conclusion, note these;

  1. Your account is limited to making payments alone for now.
  2. You don’t need to load your PayPal account separately to make purchases, your card that is associated with your PayPal account will be charged anytime you want to transact.
  3. When praying every day, include this line in your prayer “Father, please touch PayPal to grant complete access of all their services to Nigerians (or your country)”. hahahahaha. I am serious about this, it is very important for entrepreneurs like you and me.

Please if you were able to get a verified PayPal account from this information, do show me love by sharing this article so that your friends can make use of it too, and also comment below.

Also, if you experienced any challenges while opening a verified PayPal account, let me know by sharing your challenge in the comment box below and I will see how to help you.

Thank you for reading.

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Francis Nwokike

Francis Nwokike is the Founder and Chief Editor of The Total Entrepreneurs. A Social Entrepreneur and experienced Disaster Manager. He loves researching and discussing business trends and providing startups with valuable insights into running a profitable business. He created TTE to share ideas and tips to help entrepreneurs run and grow their businesses.

41 Responses

  1. TheMan69 says:

    I tried looking for the four digit code needed to verify my PayPal account, while I saw the debit alert I couldn’t find the four digit code

  2. Itoro says:

    Can I link a verve card to my Paypal account

  3. Ismaih Opeyemi says:

    Hi sir,everytime i tried linking my card on PayPal.
    It keeps rejecting the card, i even tried another card today but still the same.
    What did you suggest i do sir

  4. Uche says:

    Thank you cause your directions were great and understanding .I was able to verify it

  5. Abosola says:

    I want to receive money from a friend in USA ,can I send my Nigeria sterling account or what online stuff is legit to open to get this money. There are too many fraud online that’s why I want to hear from you maybe anyone you can refer.thanks

    • Hi Abosola, Your friend can send you money via western union or money transfer and you will receive the same via your selected bank. However, the cost is always huge on the sender. You can also ask your friend if they can send you money via Payoneer, WISE, and other payment gateways. For merchants/partners, you don’t, PayPal is still the most trusted for many reasons.

  6. Thelma chisom says:

    Please there is a game I played and it pays in dollars; the only way I can get paid is through PayPal. So I downloaded the app and did the ones I can but cannot link my debit verve card to the account because what it says is a credit card. Please how do I go about it cos I can’t loose such huge amount just like that.

    • Osita udeze says:

      Please I’m trying to connect all my cards but it’s telling me that it cannot verify at this time…what do I do please

  7. Christian Levi Achinivu says:

    But wait, ain’t this unfair?

    Well things kept changing

  8. Christian Levi Achinivu says:

    But wait, ain’t this unfair?

  9. Doris Amarachi says:

    How can I get the PayPal guide that will enable me to receive money and withdraw in nigeria.

  10. Ola says:

    Can I receive payment from the PayPal account or just to make payment only?

  11. MB AHMAD says:

    Hi want know the daily max limit

    then can i send like N5000000 to N1000000 in a day ?

  12. Jude says:

    I just finished the verification and I received a message saying your mastercard as been confirmed . So, I want to ask would I be able to receive payment and transfer it to my account ?

    • Uju says:

      Hi, Francis, please can I link my Fidelity bank master card to my PayPal account and receive payments with it or must it be that of first bank alone?

  13. Afoke says:

    I just open a PayPal account in Nigeria…….. About to connect my first bank master card.
    I’m expecting money into my account……. Were will the money be, wen it is sent

  14. Prince says:

    Pls my brother which of nigerian atm card is accepted in paypal open account

    • Hi Prince, if you’re talking about opening a Nigerian PayPal account, almost all the banks debit card are accepted.

      But if you’re looking at opening a PayPal account that can send and receive fund, then you have to buy our PayPal guide to get that information. You can contact us using the contact button for details on how to get it and price.


  15. ayodeji says:

    l use my uba visa card to verify my paypal account,over 4day now,but l have’nt receive the code message from uba to confirm my paypal verify.thank.

  16. Jide says:

    I am finding it hard to confirm my card since Thursday. I got the debit alert twice on thursday but the paypal code wasn’t among. What could be the problem?

  17. omojola ayo says:

    doing online business can l receive money to my paypal wallet and to withdraw from my paypal wallet to my nigeria bank account.

    • Hello Ayo, yes, you can now open a PayPal account that can send and receive money and also withdraw your earnings from Nigeria ATM. We are currently selling this information. If you’re interested and will like to see proof, kindly contact us via the Contact us button above. Cheers

  18. darose says:

    Thanks for sharing man.

  19. Frank says:

    After the process if I try to register I will see security challenge. What is the reason?

    • Hello Frank, sorry to hear about this. To help you out, I need to get some things cleared.
      1. Did you follow our steps on opening a PayPal account in Nigeria as stated in the article?
      2. The email you tried using to open the account, have you previously used it in opening any PayPal account in the past?
      3. Which bank ATM are you linking to the account?
      4. Do you have some funds in the account linked to the card for verification by PayPal?

      Please answer these questions and maybe we can see where the issue is from.

  20. Edward says:

    Good day, I have been having issues with my PayPal account, I can’t link up my debit /credit card

  21. Tony says:

    Can merchants or individuals in the same region receive payment via PayPal?.e.g both parties in Nigeria.

    • Hi Tony, for now, PayPal usage is limited in countries like Nigeria. You can only make payments with PayPal. You can also associate your PayPal account with your bank account so that you don’t need to give out your bank or card details to other third parties. We hope this limitations be lifted soon.

      All the best.

  22. Auction Essistance says:

    We currently have clients based in Nigeria that we set up accounts for. Right now they are having a tough time getting money out since they have such limited options after PayPal banned Payoneer.

    • So what’s the solution to this problem?

      I think Nigeria is ripe to own a world class payment solution void of irregularities and fraud like PayPal. Nigeria bussinesses has been limited in a lot of ways.

      • Nuzzo says:

        It is hard to say on that. I am from Nigeria, but am using a Paypal account based in USA. The biggest issue I face is trying to get that money out directly to bank. Right now I am doing currency exchanges to get money out, but there is just to much fees once I get it in final form.

        • Are you a Nigerian based in USA or are you in Nigeria and operating PayPal as is obtained in the USA?

          Have my reasons of asking.

          Meanwhile, there are platforms/companies that help online entrepreneurs withdraw from PayPal account as Nigerians are still limited to making payment only with PayPal.

          Just make enquiry about Online Naira.

          Thanks for your contribution.

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