How to Make Money with PayPal in Nigeria (Even If You’re Starting from Zero)

Hey there

If you’ve ever searched “how to make money with PayPal in Nigeria”, you’ve probably run into a wall of confusing advice, fake methods, or “it’s not available in Nigeria” roadblocks.

I feel you.

But here’s the good news: you can make legit money online with PayPal — even from Nigeria — and it doesn’t require anything shady or complicated.

In this guide, I’ll break down exactly how Nigerians are making money with PayPal, how to open a working account, and the platforms that actually pay to PayPal.

Let’s go!

First: Can Nigerians Use PayPal?

Short answer? Yes — with a little trick.

Here’s what most people don’t know: while receiving money via PayPal directly isn’t allowed with the default Nigerian account, you can legally open a Lesotho or UAE business PayPal account that:

• Sends
• Receives
• Withdraws (via Payoneer or Bitcoin P2P platforms like Paxful or Binance)

Need a setup guide? I can walk you through the PayPal + Payoneer method in a separate post.

But first before I talk how you’re going to set up PayPal account — let’s talk about how to make money using PayPal in Nigeria.

1. Freelancing on International Platforms That Pay via PayPal

This is by far the most straightforward way to earn real money.

These platforms allow you to work (writing, designing, editing, data entry — anything) and get paid directly to your PayPal:

• Fiverr – Quick gigs: writing, voiceover, graphics, etc.
• PeoplePerHour – For professionals and creatives
• Freelancer.com – Big range of remote jobs
• Latium.org – For quick tasks and micro jobs
• Clickworker – Data tasks (great for beginners)
• Rev.com – Get paid to transcribe audio to text

Once you’re paid into PayPal, you can withdraw using Payoneer, Grey, or P2P crypto.

2. Selling Digital Products Online (And Getting Paid via PayPal)

Have something you know how to do? Package it into an ebook, template, or mini-course — and sell it online.

Platforms that accept PayPal payments for your products:

• Payhip
• Gumroad
• Selar (accepts PayPal for some international buyers)
• Teachable or Thinkific (for online courses)

Example: Create an ebook: “How I Got My First $100 on Fiverr”

Sell it for $30 price that then, if different people legitimate people purchased your eBook you’ll make $300.

You receive payment in PayPal, withdraw to Payoneer, convert to naira. Boom.

3. Print-on-Demand & Dropshipping (Passive Income with PayPal)

This is how many Nigerians are earning in dollars without touching products.

You design (or upload) shirts, mugs, or hoodies on sites like:

• Redbubble
• Teespring.
• Zazzle
• Printful (integrated with Shopify)

These platforms pay you via PayPal when your products sell. No inventory. No shipping.

Use Canva for free designs + ChatGPT for catchy product descriptions.

4. Affiliate Marketing That Pays with PayPal

Affiliate marketing is because you don’t need to create products — just promote and earn.

Here are some affiliate networks that pay Nigerians via PayPal:

• Impact Radius (for brands like Canva, 123rf)
• ShareASale
• PartnerStack (for SaaS tools)
• CJ Affiliate
• Systeme.io
• ClickBank (a bit tricky, but doable)

Promote via blog, WhatsApp TV, Instagram, or email list.

5. Micro Tasks & Survey Sites (Low Pay, but Beginner Friendly)

These won’t make you rich, but they’re easy ways to get your first PayPal dollars.

Top options:

• Swagbucks – Surveys, videos, mini-tasks
• TimeBucks
• ySense
• TGM Panel
• Microworkers – Small data entry tasks

Once you reach the payout threshold (often $5–$20), you can withdraw to PayPal.

6. Offer Digital Services & Get Paid Directly via PayPal

You don’t need a platform. You can set up shop yourself.

Offer services like:

• Writing
• Social media management
• Coaching/consulting
• Voiceovers
• Email marketing
• Send an invoice using PayPal
• Client pays you directly
• You cash out

This works great if you’re building a personal brand or marketing yourself on LinkedIn, Twitter, or Facebook.

Recap: Ways to Make Money with PayPal in Nigeria

Method Earning Potential Difficulty

1. Freelancing  – Medium

2.  Digital  products – Medium

3. Affiliate marketing –  Medium

4. Print-on-demand Low–Medium

6. Surveys/tasks Easy

7. Client work (direct) Medium–High

Final Thoughts: Yes, You Can Make Money with PayPal in Nigeria

It’s not always easy. But it’s definitely possible.

You need:

• A working PayPal setup
• A skill or hustle
• A system to withdraw your funds

And most importantly — you need consistency.

Start small. Make your first $5. Then $20. Then $100. You’ll build real momentum with time.

Want Help Setting Up Your PayPal + Payoneer System?

I’ve helped several Nigerians do it without stress. Drop a comment or DM me “PayPal setup” — I’ll send you a full beginner guide.