How to Receive Payments from Abroad in Nigeria (2026 Guide)

Guides · Linkhut Team · 2026-10-26 · 6 min read

How to Receive Payments from Abroad in Nigeria (2026 Guide)

PayPal blocks, card declines and dollar accounts that freeze. Here is how Nigerian creators and businesses can get paid by customers abroad, straight into a Nigerian bank account.

<h2>The problem every Nigerian seller with foreign customers knows</h2>

<p>You have a customer in London, Houston or Toronto who wants to pay you. Then the questions start: "Do you have PayPal?" "Can I send it to Wise?" "My card was declined." Many sales die right there.</p>

<p>The usual workarounds all have a catch:</p>

<ul>

<li><strong>PayPal</strong> – receiving is limited for many Nigerian accounts, and withdrawing to a local bank is slow or not possible.</li>

<li><strong>Virtual dollar accounts</strong> – useful, but your customer must make a bank transfer abroad, which many will not bother with for a small purchase.</li>

<li><strong>Asking a friend abroad to collect</strong> – risky, slow and impossible to scale.</li>

<li><strong>Opening a foreign company</strong> – expensive and far too much for most small businesses.</li>

</ul>

<h2>What a foreign customer actually wants</h2>

<p>Your customer wants to tap a link, see a price in dollars, enter their card and be done. No bank transfer, no new app, no back-and-forth.</p>

<h2>How Linkhut handles this</h2>

<p>On Linkhut, you sell from your Hutpage or a HutPay link. When someone visits from outside Nigeria:</p>

<ol>

<li>They see your price in <strong>US dollars</strong>. If you set a dollar price yourself, that is the price they see.</li>

<li>Checkout opens on <strong>card payment</strong> through Flutterwave, a licensed payment processor.</li>

<li>The money is settled by the processor to <strong>your Nigerian bank account</strong> – the same one you already use for local sales. You do not add your bank details twice.</li>

</ol>

<p>Customers in Nigeria still pay the way they prefer – bank transfer, OPay or card through Paystack. You do not have to set up two different stores.</p>

<h2>Is this legal and safe?</h2>

<p>Yes. Linkhut does not hold your money. Payments are processed and settled by licensed processors (Paystack and Flutterwave) directly to your account. Your customer's card details are entered on the processor's secure page, never stored by Linkhut.</p>

<h2>What you can sell to customers abroad</h2>

<ul>

<li>Digital products – e-books, presets, courses, templates</li>

<li>Services – consulting, design, coaching, booking deposits</li>

<li>Event tickets for diaspora audiences</li>

<li>Physical products you can ship</li>

<li>Instalment plans with HutPay</li>

</ul>

<h2>Quick tips to get more international sales</h2>

<ul>

<li>Set a clean dollar price (e.g. $15, not $14.73).</li>

<li>Tell customers a Nigerian card may not work for dollar payments – foreign cards work best.</li>

<li>Put your Hutpage link in your Instagram, TikTok and WhatsApp bio.</li>

</ul>

<h2>Frequently asked questions</h2>

<h3>Do I need a dollar account?</h3><p>No. Payments settle to your normal Nigerian bank account.</p>

<h3>Can my customer pay with Apple Pay?</h3><p>Card is the main option for foreign buyers. Other wallets depend on what the processor supports for your account.</p>

<h3>What does it cost?</h3><p>See the full, up-to-date fees on our <a href="/pricing">pricing page</a>.</p>

<p><a href="/auth">Create your free Hutpage</a> and send your first international payment link today.</p>