No matter what you do online, you need a working PayPal account in Nigeria.
For some reasons however, we are among the blacklisted countries and so we cannot comfortable set up and enjoy PayPal accounts as Nigerians.

Now, before we begin, I will be doing a little introduction to PayPal for the sake of people who do not know what it is about.

What Is A PayPal Account?

A PayPal account is a payment gateway that you can use to send and receive money from clients, friends and anybody.

It was founded in December 1998 and is currently the biggest payment gateway on the internet.

There are other alternatives such as Payza, Skrill and Payoneer and they all have their upsides and downsides.

What Is PayPal Used For?

You can use your PayPal account to do so many things.

Some of them include:

• Sending of money

You can use your PayPal account to send money to anybody with an account anywhere in the world, and they receive it in seconds (like a WhatsApp message).

If you own a PayPal account in Nigeria, it will send money comfortably.

• Receiving of money

If your account can receive money, then you can as well use your PayPal account.

However, if you own a PayPal account in Nigeria, it won't be able to receive money except you apply some hacks.

• Receiving of donations

You can use PayPal to accept donations on your website, social media page and so on.

• Selling on your website

The PayPal checkout button is there to help you sell conveniently on your website, and customers don't have to pay with their credit cards all the time.

Advantages Of Using PayPal

Some of the advantages of using a PayPal account in Nigeria include:

• Convenience

You don't have to go to the bank to use  PayPal, and you (and your clients) receive the money in seconds.

• Security

With PayPal, your money is secured to an extent and their security is very tight.
Basically, it is near impossible to get your account hacked.

• Call-back feature

If for any reasons you get scammed on PayPal, you can file a dispute and if the product is covered by their policy, you get your money back.

Disadvantages Of Using PayPal

If there are advantages of course, there will be disadvantages.
Some of the downsides of using a PayPal account in Nigeria include:

• Account limitations

If you don't do things right, your account could get limited and the funds withheld.

This is a major problem, and it is not advised to leave money that you cannot afford to loose in the account.

• Charges

PayPal charges are getting out of hand, and we can't do anything about it.

How To Set Up A PayPal Nigerian Business Account

Many people are using the PayPal Nigerian merchant account, but I'm yet to try it.

I gave up on Nigerian PayPal accounts when I had several issues (yet couldn't do anything about it) receiving money.

I had worked for an Indian man in 2017, and he was to pay me via PayPal. Boldly visiting their official website, I created my personal account and  gave him the email.
He tried sending money to no avail, and they told him I could only receive funds from my website.

On their official website, there are no guidelines on how to do that, and I had to receive the money from Fiverr.
They charges were also hectic, but it was better than loosing everything.

Does PayPal Work In Nigeria?

The answers are yes, and no!
It is yes, if you just need an account for sending money, and no if you want to receive with it.

However, where there is a will, there is a way!

So I can say PayPal works very fine in Nigeria.

I have been using it since 2017, and never had any unusual issues or glitches.

How Can You Set Up A Working PayPal Account In Nigeria?

There are different ways to set up a working PayPal account in Nigeria.

If you just need an account for sending of money and paying clients;

• Visit PayPal.com
• Full in your details as required - your full names, address, ID card number, phone numbers and any other things required.

The whole processes should take around 5 minutes, and your account will be ready.
Verify your email and you are good to go.
Your PayPal account is your email, and you can't change that except you create a new one.