How to Create and Fully Verify a Payoneer Account in Nigeria
Are you a freelancer, digital marketer, or business owner in Nigeria looking for a reliable way to receive international payments? Payoneer is one of the best solutions for Nigerians to receive money from platforms like Fiverr, Upwork, Amazon, and even direct international clients.
This guide will show you how to create and verify a Payoneer account in Nigeria step-by-step — 100% working and easy to follow.
What is Payoneer?
Payoneer is a financial service platform that allows users in over 200 countries, including Nigeria, to receive cross-border payments easily. You can get a virtual USD, EUR, and GBP account, link it to platforms like Fiverr, PayPal, and Amazon, and even withdraw directly to your Nigerian bank account.
Benefits of Using Payoneer in Nigeria
- Receive money from companies and clients abroad.
- Withdraw funds directly to your local bank account in Naira.
- Use virtual bank accounts in USD, EUR, GBP, and more.
- Link with PayPal, Fiverr, Upwork, and other platforms.
- Get a free Payoneer MasterCard (subject to approval).
Step-by-Step: How to Create a Payoneer Account in Nigeria
- Visit the Official Payoneer Website:
Go to www.payoneer.com and click on "Sign Up." - Choose Your Account Type:
Select whether you're signing up as an individual or company. Most people in Nigeria choose "Individual." - Fill In Your Personal Details:
Enter your full name (as it appears on your ID), your email address, and date of birth. - Provide Your Contact Information:
Type in your correct Nigerian address and phone number. A verification code will be sent to your number. - Set Up Security Details:
Choose a secure password, secret question, and upload your government-issued ID (National ID card, Voter’s Card, or International Passport). - Link Your Bank Account:
Provide your Nigerian bank details for withdrawal. Payoneer supports almost all major Nigerian banks. - Submit and Wait for Approval:
After submitting all the details, Payoneer will review your application within a few business days. You will receive an email once your account is approved.
How to Fully Verify Your Payoneer Account
After account approval, here’s how to fully verify it:
- Upload Valid ID: Make sure the ID is clear and matches the name used during registration.
- Bank Verification: Ensure your name on the bank account matches the name on Payoneer.
- Submit Any Additional Requests: Payoneer may ask for utility bills or selfie with ID for extra verification — simply follow the instructions in your email or dashboard.
How to Receive Payments in Nigeria with Payoneer
Once your account is verified, you can start receiving payments from:
- Freelance platforms like Fiverr, Upwork, and Freelancer
- E-commerce platforms like Amazon, Wish, or Shopify
- Clients via Global Payment Service (Virtual USD/EUR/GBP accounts)
- Direct bank transfer from international companies
You can withdraw your Payoneer funds directly to your local Nigerian bank account in Naira within 24 hours.
Common Questions
Q: Is Payoneer legal in Nigeria?
Yes, Payoneer is 100% legal and safe to use in Nigeria.
Q: Can I link Payoneer to PayPal?
Yes! You can link your Payoneer US bank account to PayPal to withdraw PayPal funds.
Q: How long does verification take?
Usually 2–5 business days. Just ensure your documents are clear and correct.
Q: Does Payoneer give a card?
Yes, but the MasterCard is subject to eligibility. You’ll get an option in your dashboard if qualified.
Final Note
Payoneer is one of the best international payment solutions available to Nigerians today. With just your local ID and bank account, you can access global marketplaces and receive money like a pro.
Take advantage of this opportunity to grow your online hustle, freelancing, or e-commerce business today.


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