PayPal is not fully supported in Ghana for receiving money yet, but you can legally create an account to send money and make payments.
Here’s how to do it the right way in 2025:

Step 1: Understand What You Can and Cannot Do

• You can:

  • Create a PayPal account.

  • Link your debit/credit card.

  • Send money.

  • Shop online (Amazon, eBay, etc.).

  • Pay for services internationally.

• You cannot (directly):

  • Receive payments into a Ghanaian PayPal account.

  • Withdraw PayPal balance to a Ghanaian bank.

Receiving money into PayPal is still limited to countries with full PayPal services (Ghana is not yet on that list).

Step 2: Open a PayPal Account (Safely)

The safest method is to register through a supported country (e.g., South Africa, Lesotho, UAE) where PayPal allows both sending and receiving.
Follow these steps carefully:

Option 1: Open a Sending-Only Ghanaian PayPal Account

• Visit: https://www.paypal.com/gh/home.

• Click “Sign Up.”

• Choose Personal Account.

• Enter your Ghanaian email, phone number, and debit/credit card details.

• Done! You can now pay for goods and services.

Option 2: Open a Full-Service PayPal Account (for Receiving Payments)

• Use a supported country like South Africa:

  • Go to paypal.com/za (South Africa PayPal site).

  • Sign up using your Ghanaian email address.

  • Use your Ghana address, but select South Africa as your country.

  • Link an international debit/credit card (like a UBA Africard, Stanbic, or Ecobank card).

Important:

• Use your real identity.

• Never fake documents or addresses.

• Be ready to provide ID verification if PayPal asks.

Step 3: Link a Valid Card

You’ll need a card that works with PayPal for payments:

• Visa or Mastercard debit/credit cards from Ghanaian banks like Ecobank, Stanbic, Absa, or UBA work well.

• Some banks block international payments by default; ask them to activate online international transactions.

 After linking, PayPal will charge a small amount ($1–$2) to verify the card, which is refunded later.

Step 4: Make Payments Safely

You can now:

• Shop online globally.

• Pay for courses, subscriptions (Netflix, Amazon, Spotify).

• Send money to friends or businesses abroad.

When paying, always select “Pay with Card” or “Pay with PayPal Balance” (if you somehow received funds through a workaround).

Step 5: Receiving Money (Alternative Ways)

Since you can’t officially receive PayPal payments directly into Ghana:

• Use Payoneer or Wise accounts to receive USD/EUR and convert.

• Or use a South African PayPal linked to a First National Bank (FNB) account to withdraw (needs setup help).

Some freelancers and entrepreneurs use third-party partners who can accept PayPal on their behalf, then send them funds via mobile money or bank transfer.

Bonus Tips

• Always enable Two-Factor Authentication (2FA) for extra security.

• Regularly update your card details if they expire.

• Monitor PayPal’s official Ghana updates; policies might change!

• For large payments, consider using services like Wise, WorldRemit, or Payoneer alongside PayPal.

Quick FAQs

Q: Can I open a PayPal account in Ghana today?
A: Yes, but sending-only (not for receiving money directly).

Q: Can I receive PayPal funds into Mobile Money (MTN, Vodafone)?
A: No, not directly.

Q: Is it illegal to use PayPal from Ghana?
A: No. It’s legal as long as you comply with PayPal’s terms of service and Ghana’s financial laws.

Source: thepressradio.com| Ogyem Solomon