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Why Paypal Sucks For Nigerians And What You Can Do About It


PayPal sucks! If you are reading this article from anywhere in the federal republic of Nigeria then you will probably remember any random, unfortunate incident that has happened to you (or perhaps someone you know) on this platform and you will agree with me that Paypal is generally unfair to Nigerians. I mean, the platform is available in over 190 countries and yet I cannot get full access to it as a Nigerian? Pathetic!.

This article is born out of the need to speak up for the hundreds or maybe thousands of Nigerians who have had it unfairly on PayPal and to suggest viable PayPal alternatives to those that need international payment solutions.

 Paypal was initially very hesitant to enter the Nigerian market even though the country is the second largest economy in Africa. Eventually, the company bowed to pressure and entered the Nigerian market in June 2014, but restricted. However, it would be unfair and bias for me to ignore the fact that they had concerns about the increase in internet fraud in Nigeria (hence the restrictions). In the same vein, it would be unfair not to mention that there are a lot of legitimate online business owners who suffer due to the generalized blacklisting of Nigerians by Paypal. By now you are probably assuming that I am hell bent on making accusations, I would now take a bend and state clearly the reasons why I think Paypal sucks. 

Why Paypal Sucks For Nigerians

  1.  Inability To Withdraw Paypal Funds

    Most Nigerians who make money online will agree with me that this is the most frustrating aspect of Paypal. Folks who reside in the country are restricted to only making purchases and transferring funds to others on the platform. The decision to restrict Nigerians on Paypal has not only made the people feel less than other countries but it has also caused Nigerians to gradually do away with Paypal (at least till they start offering this essential service).

  2. Inexplicable Freezing of Paypal Accounts and Other Paypal Limitations

    If you have had your Paypal account suspended or frozen due to some restrictions on this platform then you’d be used to the process of making Paypal complaints, filling forms and all those annoying processes. It is beginning to look like Paypal has a certain ‘dislike’ for their users in Nigeria. A lot of times, I hear complaints about very strange limitations even when the user clearly did not violate any of the platform’s terms and conditions (all of these people merely received payments for work done on various online work boards).

    I understand that there are certain people that go against these terms and I honestly advocate that they get the deserved punishment. But for law-abiding individuals, I hope that they can be treated with more regard and respect because it gets really frustrating when the accounts are suspended and funds are lost. I honestly hope that someone on 2221 North First Street San Jose, California 95131 sees this and makes the necessary amends.

  3. Difficulty To Transact With New Paypal Accounts

    The average Nigerian has it badly on Paypal but it gets worse when the account is a brand new Paypal account. Error messages like ‘we are sorry but you cannot send this payment right now’ are constant for new account holders even when the account was properly opened with correct information. Complaints to Paypal authorities hardly yield any fruit as you are bound to get a close-to-automated message about certain ‘security measures’ or ‘network issues’.


Freelancers have the crucial need to have a payment platform where they can receive cash, withdraw cash and make other necessary transactions. Due to this, I will act like the biblical Jesus and not leave you without a ‘comforter’.

It is of utmost importance to note that these alternatives do not necessarily serve as perfect replacements for Paypal or guarantee a hitch-free experience but still I will suggest that you give them a try. Here are some alternatives to Paypal for Nigerian freelancers:

  • PAYONEER – With Payoneer, you are allowed to receive payments via credit/debit cards or bank accounts all over the globe. You will need to place an order for your Payoneer debit cards and you will get it in about a month, this debit card can be used at any MasterCard ATM in the world.See – How To Get Payoneer Mastercard in Nigeria
  • WESTERN UNION MONEY TRANSFER – This Paypal Alternative allows you to receive money from anywhere in the globe, this is a very good option for any freelancer. You will require a valid government-issued identification card to be able to make use of this medium.

  • GOOGLE WALLET – Previously Google’s Checkout. It’s simple and has a fast from and to bank accounts. It processes credit card payments and sends out invoices just like Paypal.
  • WEPAY – Has a powerful payment processing feature with fraud protection. Customers can make a purchase without leaving your platform using a virtual terminal. It has more interest in individuals rather than credit card numbers.
  • 2CHECKOUT – Quite popular. It allows individuals to receive credit card and PayPal payments without hassles. 2Checkout also has international payment features, a solid shopping cart system, and recurring billing.
  • SKRILL – This is well used by Nigerians lately. It was formerly called Moneybookers. But despite the change of name, the great features remain the same, if not better. It has text message notification feature, low fees, and free setup. You can always transfer your Skrill account balance into a prepaid credit card anytime.
  • OTHER PAYPAL ALTERNATIVES – Include bank wire transfer, checks, Intuit, ProPay, Click2Sell, Dwolla, Braintree, ClickBank, Stripe etc. These options are probably not as straightforward as the rest and they may need you to meet some other requirements but once these requirements are met then you can easily receive and withdraw cash.


If you are reading this article from a country where PayPal is allowed then you will probably not understand what my rant is all about. For the people who would love to enjoy the services of PayPal in Nigeria, below are some helpful tips (to ensure the safety of your account);

  • After creating your Paypal account, it is important to build volumes slowly.
  • It is also important (although not necessary) to stick with the same IP and gadget when accessing your account.
  • Do not try to access your account when you are in another country because that might lead to some limitations.

Over time, the alternatives to Paypal have become more popular because of the difficulties Nigerians encounter while using Paypal and the thousands of dollars that have been lost due to one reason or the other.

You might want to see > How To Open A US Paypal Account in Nigeria

Thank you for reading, Cheers!


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