Sophie, this is not neccesarily the case. You can setup the account in nicaragua, and pay with nicaraguan debit/credit cards that can be linked to confirm. You will have an available amount which you could send to another paypal user, but for the account to be set up to receive the money (transfer funds), they must have it set up with a USA bank account. A USA bank account requieres a routing number, which Nicaraguan banks don't have. As you can see in the link below, bank to bank transfers are not made (USA to NIC). https://www.paypal.com/cgi-bin/webscr?cmd=_display-country-functionality-outside&dispatch=5885d80a13c0db1f8e263663d3faee8dcce3e160f5b9538489e17951d2c62172 See the difference between services offered in USA and in NIC Payoneer I believe is no longer allowed to work with Paypal transfers
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