How to Create a PayPal Account in Nigeria (Step-by-Step Guide)

Creating and using PayPal in Nigeria, i.e., a Nigerian PayPal account, is no longer complicated if you do it the right way. You can create an account in the Paga app.

In this guide, you will learn:

• How to open a PayPal account in Nigeria without a VPN
• How to connect/link PayPal to the Paga app
• How Nigerians can receive PayPal payments and withdraw in naira

Let’s get straight into it.

Can Nigerians Use PayPal in 2026?

Yes. Nigerians can create a PayPal account.

And most importantly, they can now receive international payments from over 200+ countries, hold funds in dollars, and withdraw in Naira using the Paga app. 

Click HERE to create your PayPal account.

What You Need Before Creating a PayPal Account in Nigeria

What you should not do is try to outsmart PayPal with fake details. That’s how accounts get limited.

Step 1: Download and Set Up the Paga App

If you don’t already have Paga:

• Go to the Play Store or App Store
• Download the Paga app
• Sign up or log in
• Complete your Paga verification

If you already have the app, update it to the latest version (we have made some improvements to the overall app).

Step 2: Connect PayPal to the Paga App

Once logged into Paga:

1. Go to your dashboard 
2. Click the NGN account in the top-right corner (Yes, you can have multiple accounts on your Paga app)
3. Select PayPal to create/connect to an existing account

You’ll be prompted to either:

• Log in to an existing Nigerian PayPal account, or
• Create a new PayPal account

If you’re signing up, choose Nigeria as your country and use an active phone number for verification purposes.

Once all of that is done, you have successfully linked/created a PayPal account in the app.

Click HERE to connect both accounts.

Important: What NOT to Do When Signing Up for PayPal

This part matters more than anything else.

Do NOT:

• Use a VPN
• Use a foreign IP address
• Select US, UK or any other foreign country
• Use fake names or addresses
• Use borrowed or recycled identities

Instead:

• Select Nigeria as your country  
• Use your real name
• Make sure all details match your Paga account

Most restrictions happen because of a mismatch of country or identity details. Keep it clean and accurate.

Step 3: Complete PayPal KYC Verification

After signing up, PayPal will send a verification email. Follow the instructions to confirm your email and verify your identity using an ID.

This step is very important because it allows you to receive funds into your PayPal account and withdraw them into your Paga Naira account. 

After signing up, PayPal will send a verification email. Follow the instructions to confirm your email and verify your identity with an official ID.

Step 4: Start Using Your PayPal Account

Once connected to Paga, you can now:

• Receive PayPal payments from abroad
• Hold funds in USD
• Withdraw PayPal funds into naira
• Transfer money to Nigerian bank accounts
• Spend your funds locally

This setup works for freelancers, online sellers, remote workers, and business owners.

Note: PayPal may temporarily hold withdrawals for new or unusual activity. This is normal and part of their fraud monitoring.

How Nigerians can withdraw Naira from PayPal 

PayPal does not support direct naira withdrawals on its own. That is why you have to connect your account with Paga to legally bridge the gap.

PayPal did not suddenly become new. Access did. Paga’s mission has always been about financial access for millions of Nigerians, and this partnership is exactly that in action.

 Now, you can finally have a PayPal account that allows you to receive and withdraw. 

Click HERE to connect both accounts.