Paypal in Ghana: How to Create a Paypal account in Ghana for Free

Is there really Paypal in Ghana?

Have you been looking for a correct and safe way to create a PayPal account in Ghana?

Say no more.

Today, I am going to show you step by step how to create a PayPal account in Ghana without having any problems.

It’s rather unfortunate that Ghana is not among the list of Paypal supported countries.

Even for other countries, Paypal limits their usage to either only Send, Receive, or withdraw. Of course, for some countries, they are privy to all Paypal’s offerings.

That’s why a lot of people have tried to use all forms of methods to get a Paypal account in Ghana.

Some of these methods include, using VPNs to change their IP address, using false details etc.

And this gets them into serious problems when Paypal finds out and they have to produce documents to prove their identity.

I know a lot of people who have lost money like that. Hard-earned money from their online businesses.

But you’re lucky.

You won’t have to fall into such troubles.

Because this method I am going to show you is 100% legal and safe. You are going to need your legal name, address and telephone number.

And you can use it for any transaction at all including receiving and sending money.

I know you can’t wait to learn how to get Paypal in Ghana, so let’s get started.

What is Paypal, really?

Everything has a history. But no, i am not going to bore you with the history of PayPal today.

Let’s just get straight to the point.

Paypal is the world’s largest online payment service that allows you to pay for items and receive payment using a guaranteed secure internet account.

Statista records that there were 325 million active PayPal accounts worldwide In the first quarter of 2020.

This is how it works; You simply link your bank account, credit card or debit card details to your Paypal.

So anytime you want to pay using PayPal, you can choose which of your cards or accounts to pay with.

You can also receive money into your PayPal account just by giving out your PayPal email address to the sender.

With that said, let’s move on.

Advantages of using Paypal in Ghana

If you’re looking for an easier, faster and more secure way of paying online, then Paypal is your best bet.

And oh, Paypal is free in Ghana and any everywhere else.

You can make payments across millions of online stores in the world without having to hassle your way through.

There are 3 main advantages of using Paypal in Ghana.

  • Safe & Secure Payments
    Whatever payment you want to make online, Paypal works hard to make it secure for you.
    PayPal will alert you if there occurs the slightest suspicious activity on your account. And blocks any further transaction till you go through a verification
  • Fast Payment
    With your information securely kept by Paypal, you don’t always have to enter your credit card details on every website you go.
  • Easy Payment
    It is not only easy and free to open a PayPal account in Ghana, it is also very easy to receive and send payments as you will be seeing.

What you need to create a Paypal account in Ghana

These are the details to have ready before you start creating a Paypal Account in Ghana;

  1. Email Address – You need a valid email address. It should be one you have never tried using to sign up for Paypal in the past
  2. First name and last name – This should be exactly what you have on your Official IDs
  3. ID – Passport, voters, license
  4. Mobile Number
  5. Debit or Credit Card

Basically with these you can start creating your own Paypal account in Ghana.

Spoiler: We are going to take advantage of an African country that Paypal supports. However, all the details we use will be our real details. This makes it 100% legal.

How to create a PayPal account in Ghana (Step by Step)

In other to make this as easy and smooth as possible for you, I’m going to be showing you the process visually. And you will see how easy PayPal account registration in Ghana is.

1. Visit the PayPal Website

As I mentioned earlier we are going to be legally taking advantage of an African country to do this, which is Lesotho.

So you’re going to want to go straight to Lesotho PayPal Page using this link.

Alternatively, you can type in your browser.

Pro tip: I recommend you use the Google Chrome browser if you’re going to do this on your mobile or computer. Also, enable a desktop view on your phone when you want to do this.

Paypal Account in Ghana

(1) Make sure that you see the Lesotho flag as shown in the Image above.

(2) Once confirmed, click on Sign up at the top of the page.

2. Signup for a Personal or Business account

Once you click on the signup button, you will be asked to choose either a Personal account or a business account.

Personal accounts are only use to make payments, but can’t receive payments.

But in our case, since we will most likely be receiving payments, we will choose the Basiness account.

Paypal Business Account in Ghana

3. Fill in your personal and business details

The next step is to fill in your details as shown in the image below;


  1. Your First Name and Last name should be what’s on your official ID. This will be of great help should any verification be needed in the future.
  2. For the Business name, just come up with a name and use. If you have an actual Business, then just use it.
  3. Click on the Lesotho flag, change it to Ghana, and enter your Mobile number. It should be in the format; 233233547600
  4. Enter 00233 for the postal code
  5. Enter your Business address if you have one. Otherwise, use your personal address again.
  6. Pick US Dollar as the currency as it is the most widely used
  7. Click Agree and Continue.
Details for PayPal in Ghana

4. Confirm your email address

PayPal is going to send a confirmation email to you in a minute or two. This is the last step that gets your account live.

When you click on the confirmation link in your mail, you will be sent to the PayPal login page again to enter your password.

Congratulations! You have a PayPal account in Ghana now.

5. Link Credit Card, debit card or Bank Account to verify your PayPal account

Now, in other to remove limits on the amount of money you can receive or send through your PayPal account, you will need to link either a credit card or a bank account.

For the Method we used in this post, you can only link your credit or debit card. If you don’t have a credit or debit card, i will recommend the UBA Africard.

Which works perfectly.

This is how you link your credit or debit card;

  1. Log in to your PayPal account
  2. Go to payments in the menu
  3. Click on link card
  4. Enter you card details to link

Note that you need to have a minimum of about $2 in your account.

This is because PayPal will deduct an amount of $1.95 from your account to confirm that it’s active.

Don’t worry, this amount will be refunded once your card is verified.

You will receive a code through your bank statement, which would be used to verify your card once you receive it.

Takes 1-7 business days.

Pro tip: You can call your bank and request for it instead or waiting till you get your bank statement.

How to Fund your PayPal account

Funding your PayPal account in Ghana simply means putting money into your account.

Since you link your card to your PayPal account you can always make payments and it will be deducted from your card.

However, when you receive money into your PayPal account, it stays in your account till you choose to transfer it into your card or bank account.

And with this money you receive, you can always make payments online.

How to withdraw money from your PayPal account in Ghana

After you set up your PayPal account, you can now accept PayPal payments and credit or debit cards from your customers, you own an online shop.

In this case, the money for orders is kept in your PayPal account.

From there you can withdraw the money to your Visa and MasterCard Debit & Prepaid Cards.

So i am going to show you the easiest way to withdraw money from your paypal account into your visa or MasterCard debit or credit cards.

To do this, follow these simple steps;

  1. Again, log into your PayPal account.
  2. Click on “Withdraw funds” on your dashboard
  3. Now click on “From” and select your PayPal balance
  4. Then click “To” and select your linked card.
  5. Enter the amount you wish to withdraw and click “continue”.
  6. Review you transaction on the next page
  7. Click on transfer if everything is okay.
  8. Finish, your money will be transferred

Tip: Don’t panic when you see that it says the transaction takes 5 to 7 business days. It usually will be in a matter or minutes, if not instant.

Video on How to create a PayPal account in Ghana

If you are a video lover and prefer to watch a tutorial instead, then you’re in luck. I found a great tutorial that can take you through the process of creating a paypal account in Ghana.

Who knows,I could start a YouTube channel soon to compliment this blog.

But for now, watch the video below;

Frequently Asked Questions

Is Paypal Available in Ghana?

Paypal is not available in Ghana. This is because Ghana is on the list of blacklisted countries. However, you can still use Paypal in Ghana following this method.

How do i get a PayPal account in Ghana?

Get a PayPal account in Ghana by registering for a free account using a country that is not blacklisted like Lesotho.

How do i withdraw money from PayPal in Ghana?

Link your Visa or MasterCard to your PayPal account and withdraw into it.

How do I link my MTN mobile money to my PayPal account?

Add your visa card to ExpressPay and link it to your PayPal account. That way you can easily link your MTN mobile money to your PayPal account.


Finally, you have found how to create a verified PayPal Account right in Ghana for all your online transactions.

A lot of people will charge you for this knowledge.

But you have it for free here on Brandingdo.

Feel free to comment if you have any queries, and please share with family and friends so they can also get a PayPal account in Ghana.

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