Let’s be honest. Trying to use a standard Nigerian PayPal account to receive money is like trying to fetch water with a basket. It just doesn’t work. You can send money out, but you cannot bring a single dollar in.
For years, Nigerian freelancers have been looking for the "backdoor." How do the top earners on Upwork and Fiverr get paid via PayPal without issues?
Today, KachiPlug is pulling back the curtain. We are sharing the 2025 strategy, the exact blueprint used by smart Nigerian entrepreneurs to own a verified, receivable PayPal account.
*Note: This is not about using fake documents. This is about using smart, legitimate loopholes.
The secret isn't trying to force a Nigerian account to work. The secret is legally setting up an account in a neighboring African country that is allowed to receive payments, like Lesotho, Mozambique, or South Africa.
Do not open a "Personal" account. The 2025 hack is to open a Business Account in one of these friendly regions. PayPal’s systems are more lenient with business accounts because they expect international trade.
This is where most people mess up. They use fake names. Don't do it.
Use your real Nigerian International Passport or NIN. When setting up the business account in the neighboring region, you will use your real Nigerian details for identity verification. PayPal allows this as long as the business address is in the supported region (you can often use a virtual office address).
You need a card to verify the account. Most regular Nigerian naira cards won't work. The hack here is to use a Dollar Virtual Card from a reliable fintech app, or a UBA Prepaid Dollar Card. These usually pass the verification check instantly.
Getting verified is only half the battle. Keeping the account alive is the real challenge. If you log in carelessly, you will lose everything.
Before you receive your first dollar, you MUST read our previous guide on the Best Practices to Avert PayPal Account Limitation in 2025. It contains the login rules that save you from tears.
So, you have a verified PayPal account and the dollars are flowing in. Congratulations! But you still can't withdraw directly to your GTBank or Zenith account.
This is where KachiPlug comes in.
We are the bridge between your PayPal dollars and your Nigerian bank account. We buy your PayPal funds at the best market rates and send Naira to you instantly.
Once your account is verified and funded, bring it to the most trusted exchange in Nigeria.
TRADE PAYPAL FOR NAIRA NOW →
