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. To sell without your own Stripe account, you use a merchant of record: it is the seller on each sale and handles VAT and sales tax abroad. Which ones work from Nigeria.
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 verification docs
- How you get paid
- To your own bank account in Nigeria, by local bank transfer. supported countries
- Payout currency
- EUR or USD, to a domiciliary account (USD or EUR) at your bank payout docs
- Payout days
- The 1st and the 15th of each month payout docs
- First payout
- 14 days after each sale, from €50 or $50 payout docs
- Fee per card sale
- 4.5% + €0.50; international cards +1.5% pricing docs
- Payout fee
- 1% of the payout, at least €1 pricing docs
- Local transfer cost
- Very low: a local or SEPA transfer, passed through at cost and shown before you request a payout. supported countries
- Tax on your sales
- Charged, filed and paid by us as the seller tax docs
- Your income tax
- Yours to declare in Nigeria. You get a statement and a self-billed invoice per payout. payout docs
From a sale to your account
Example: one month, ten sales of €100.
| Ten sales of €100 | €1,000.00 |
|---|---|
| AgentaOS fee: 4.5% + €0.50 per sale | −€50.00 |
| Payout fee: 1% | −€9.50 |
| Local or SEPA transfer | very low |
| Lands in your bank | about €940.50 |
Try your own numbers in the payout calculator →
International cards +1.5%. On Pro (€49 a month) every card sale is 4.0% + €0.40. EU buyers pay VAT on top, which we file.
Doing it yourself instead? Stripe with a company abroad costs about €6,000 in the first year at €2,000 a month, once you add the company, an accountant, tax filing and about 50 extra hours of your time. See the full comparison.
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. Stripe’s page |
| PayPalWallet and card payments | Limited | The Nigeria site offers sending payments; receiving is only "where available". PayPal’s page |
| PaddleMerchant of Record | Yes | Built for software companies, anywhere outside its unsupported list. Pure services such as coaching or consulting are not allowed. Paddle’s page |
| Lemon SqueezyMerchant of Record | Yes | Nigeria is on its bank payout list. Lemon Squeezy’s page |
| PolarMerchant of Record | Yes | Nigeria is on its payout list (Stripe Connect Express). Polar’s page |
| CreemMerchant of Record | Yes | Nigeria is on its supported countries table. Creem’s page |
| Dodo PaymentsMerchant of Record | No | Only merchants who joined before March 2026 are kept, under extra monitoring; new sellers cannot join. Dodo Payments’s page |
| GumroadMerchant of Record | Yes | Bank payouts in NGN, sent on Tuesdays. Gumroad’s page |
| PayoneerReceive money from clients | Limited | Opens through Kuda for CAC-registered businesses; individuals not confirmed. Payoneer’s page |
| WiseReceive money from clients | Limited | You can register and send money, but Nigeria is not on the list for holding a balance. Wise’s page |
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
Which merchant of record works in Nigeria?
By their own country lists, checked 6 October 2026, Paddle, Lemon Squeezy, Polar, Creem, Gumroad and AgentaOS accept sellers in Nigeria. Dodo Payments does not. They differ in how you get paid: compare the payout notes in the table above, where each row links to the provider’s own page.
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?
Start selling from Nigeria
€0 a month, no card. Individuals and companies. Your first payout on the next 1st or 15th after your sales clear.
Not sure what to charge? Free pricing review