How To Link Nigerian Debit Cards To PayPal (Sept 2018)

With the exchange rate drama that plagued Nigeria few years back, Nigerian banks started to decline foreign online transactions most especially those ones that billed consumers in Naira. This was a Dynamic Currency Conversion issue which gave rise to these articles:

PayPal started having issues verifying new Nigerian debit cards then but it would seem all is well now as over the weekend, I successfully added a new FirstBank Nigeria Naira Mastercard to my Paypal account and successfully confirmed it. It’s working just fine at the moment.

This guide will show you how to add a Nigerian debit/credit card to your paypal account and ensure it gets verified for transactions. Hopefully it works for you too irrespective of which bank you have an account with.

Log into PayPal and click on Add A Card

Enter your card details and save them

IMPORTANT: Follow this guide How To Change PayPal’s Currency Conversion Options in 2018 and disable dynamic currency conversion (DCC) on the card you just added.

Once you’ve successfully disabled DCC, go to your Wallet and click on the new card you just added to your PayPal account.

Click on Confirm credit card

Read the instructions below carefully. In summary Paypal will deduct $1.95cents from your card so as to generate a verification code in your bank statement.

Click on OK and wait.

After like 24 – 48 hours, you should get a debit alert from your bank via sms or email as the case maybe. The 4 digit PayPal code you need will be there. I underlined mine below.

Log back into Paypal and click on Confirm then Confirm credit card as shown below

Enter the 4 digit code you got from your bank’s debit alert and click OK.

Congratulations! Your card has been confirmed and can now be used to make PayPal payments

NOTE: The $1.95cents which was deducted during the verification process will be refunded within 30 days of confirmation. I’m still waiting for my own refund sha. lol

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