As you have not added your country to your profile (so we can see when we hover over your username) or said in your post which country you are in then sadly can't advise. Paypal varies a great deal country to country so you need to tell us where you are on this worldwide community forum.
Advice is voluntary. Kudos / Solution appreciated.
You can't add a local bank account / debit card in your country. You can only link a credit card.
Also the option to receive paypal payments is sadly not available in Nigeria. You can only send payments for purchases funded by your (confirmed) credit card.
Paypal varies a lot country to country and can only offer the services that the banks / governments of that country allow it to offer. There are quite a few countries unable to receive paypal payments.
