Can you sell online from Nigeria and get paid?
Yes. From Nigeria you can sell digital products, courses, SaaS and services to buyers in 190+ countries, as an individual or a company, and get paid to your own bank in Nigeria in EUR or USD, twice a month.
Also work from Nigeria: Paddle, Lemon Squeezy, Polar, Creem, Gumroad. Do not: Dodo Payments. See the table.
Selling from Nigeria, in facts
- Who can sell
- Individuals and companies source
- How you get paid
- To your own bank account in Nigeria, by local bank transfer. source
- Payout currency
- EUR or USD, to a domiciliary account (USD or EUR) at your bank source
- Payout days
- The 1st and the 15th of each month source
- First payout
- 14 days after each sale, from €50 or $50 source
- Fee per card sale
- 4.5% + €0.50, plus 1.5% on cards from outside Europe source
- Payout fee
- 1% of the payout, at least €1 source
- Local transfer cost
- A small flat fee, passed through at cost and shown before you request a payout. source
- Tax on your sales
- Charged, filed and paid by us as the seller source
- Your income tax
- Yours to declare in Nigeria. You get a statement and a self-billed invoice per payout. source
From a sale to your account
Example: one month, ten sales of €100 to buyers in the US.
| Ten sales of €100, buyers in the US | €1,000.00 |
| AgentaOS fee: 6.0% + €0.50 per sale (cards from outside Europe) | −€65.00 |
| Payout fee: 1% | −€9.35 |
| Local bank transfer cost | small flat fee |
| Lands in your bank | about €925.65 |
Try your own numbers in the payout calculator →
Cards issued in Europe cost less: 4.5% + €0.50 per sale. On Pro (€49 a month) every card sale is 4.0% + €0.40. Buyers outside the EU pay no VAT; EU buyers pay VAT on top, which we file.
Who accepts sellers from Nigeria
The usual names, checked one by one.
| Provider | Sellers in Nigeria? | What their own page says |
|---|---|---|
| AgentaOSMerchant of Record | Yes | Individuals and companies. Paid out twice a month. Supported countries |
| StripeCard payments, you are the seller | Limited | Listed as "Extended network": sign-up goes through Paystack, not Stripe itself. Source |
| PayPalWallet and card payments | Limited | The Nigeria site offers sending payments; receiving is only "where available". Source |
| PaddleMerchant of Record | Yes | Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed. Source |
| Lemon SqueezyMerchant of Record | Yes | Nigeria is on its bank payout list. Source |
| PolarMerchant of Record | Yes | Nigeria is on its payout list (Stripe Connect Express). Source |
| CreemMerchant of Record | Yes | Nigeria is on its supported countries table. Source |
| Dodo PaymentsMerchant of Record | No | Only merchants who joined before March 2026 are kept, under extra monitoring; new sellers cannot join. Source |
| GumroadMerchant of Record | Yes | Bank payouts in NGN, sent on Tuesdays. Source |
| PayoneerReceive money from clients | Limited | Opens through Kuda for CAC-registered businesses; individuals not confirmed. Source |
| WiseReceive money from clients | Limited | You can register and send money, but Nigeria is not on the list for holding a balance. Source |
Checked on 6 October 2026 against each provider’s own country page. Providers change their lists; follow the source link before you decide.
Selling from Nigeria: answers
Can I sell online from Nigeria as an individual?
Yes. You can open an account as an individual or as a company. AgentaOS is the official seller of your product, so you do not need a company abroad.
How do I get paid in Nigeria?
To your own bank account in Nigeria, by local bank transfer. Payouts run on the 1st and the 15th of each month, in EUR or USD.
Do I need a EUR or USD account?
Yes. Payouts are paid in the same currency as your balance, EUR or USD, so you need a domiciliary account (USD or EUR) at your bank. No currency conversion happens inside a payout.
Does PayPal work in Nigeria?
Partly. The Nigeria site offers sending payments; receiving is only "where available". PayPal.
Is Stripe available in Nigeria?
Only through Paystack. Stripe lists Nigeria as “Extended network” and sends sign-ups to Paystack. Stripe’s country list.
Can I withdraw dollars from my domiciliary account?
Yes. The Central Bank of Nigeria says it granted unfettered access to cash in domiciliary accounts, with a US$10,000 a day transfer limit. CBN, FX management.
Does Dodo Payments still accept sellers from Nigeria?
Not new ones. Dodo keeps merchants from Nigeria who joined before March 2026 and does not onboard new sellers. Dodo accepted countries.
General questions: when is my first payout? · what does it cost? · who handles VAT? · do I need a company?
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