My money
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Firstly we are not 'you guys' this is not customer services but a user to user advice forum.
Secondly.......
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.
https://www.paypal.com/ga/webapps/mpp/ua/residence-full
Any un-used codes/deposits should time out 30 days post deduction and go back to your card (longer in some countries) and then add on the time it takes your card issuer to process that refund.
Advice is voluntary.
Kudos / Solution appreciated.
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