How to get paid online in Nigeria
Stripe is only partly available for businesses in Nigeria. Here is what works instead, depending on what you sell.
Nigeria at a glance
What's specific to Nigeria
Currency: Nigerian naira (NGN). Last updated 2026-10-20.
Nigeria is one of the few countries on this list where Stripe's technology is available locally, through its subsidiary Paystack.
- Stripe bought Paystack in 2020. Nigerian businesses accept card payments through Paystack, which Stripe lists as its extended network in Nigeria. Source: Stripe global availability
- PayPal opened incoming payments to Nigeria in January 2026 through a partnership with Paga: payments arrive in a linked Paga wallet and can be withdrawn in naira. Source: TechCabal — PayPal returns to Nigeria
- Nigerian banks offer domiciliary (foreign-currency) accounts that can receive USD wires, but intermediary banks often deduct a fee on each wire, so they suit larger payments best. Source: VaultLeap — receiving USD in Nigeria
- Payoneer is widely used to receive marketplace payments and withdraw to Nigerian banks in naira. Source: VaultLeap — receiving USD in Nigeria
What to do, by goal
Sell digital products
You can sell digital products from Nigeria today, without a foreign company.
- Lemon Squeezy — Sells for you, handles tax, and pays out to your local bank.
- Stripe — Stripe's extended network (Paystack) can also take card payments locally.
Get paid by clients
In Nigeria, freelancers usually get paid through a receiving account.
Run a SaaS
For a SaaS in Nigeria, a merchant of record is the fastest start.
- Paddle — Built for software subscriptions, open to sellers from most countries after review.
- Lemon Squeezy — A lighter alternative with no approval wait for small products.
- Stripe Atlas — Later, when revenue justifies yearly US company costs.
- Firstbase — An alternative to Stripe Atlas for forming that US company.
Every provider, with sources
| Provider | Status | Details | Source |
|---|---|---|---|
| Stripe Payment processor | Limited | Available through Stripe's extended network (Paystack), not a standard Stripe account. | Stripe global availability |
| Lemon Squeezy Merchant of record | Works | Bank payouts supported. | Lemon Squeezy supported countries |
| Paddle Merchant of record | Works | Not on Paddle's unsupported list. Software businesses only, approval required. | Paddle supported countries |
| Payoneer Receiving account | Works | Widely used here. Confirm eligibility when you sign up. | Payoneer |
| PayPal Wallet | Limited | Since January 2026, payments can be received through a linked Paga wallet and withdrawn in naira. | PayPal worldwide |
| Stripe Atlas US company | Works | Founders from most countries can apply. Check eligibility on Stripe's site. | Stripe Atlas |
| Firstbase US company | Works | Firstbase says it serves founders from anywhere in the world. Check eligibility for your country at sign-up. | Firstbase |
Last checked 2026-10-20. Spotted something outdated? Tell us.