@idyllic You need to add and confirm a credit visa card on your paypal account. However you can't receive paypal payments in Nigeria, you can only send them funded via that credit (not debit) visa 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
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