How to Easily Create a PayPal Account in Ghana

How to Easily Create a PayPal Account in Ghana

I get messages from friends on how to create a PayPal account in Ghana. In this newsletter, I am not going to talk about why Ghana among other countries has been ignored on PayPal. All I am going to talk about is a way to open an account with PayPal in Ghana or any country that has been removed. You’ll learn a lot about PayPal Ghana as you read along.

All I am going to talk about is a way to open an account with PayPal in Ghana or any country that has been removed. You’ll learn a lot about PayPal as you read along.

Get a premium PayPal account for a cool GH₵100.

What is PayPal?

This is what HowStuffWorks say about what PayPal is and what you can use it for:

PayPal is an online payment service that allows individuals and businesses to transfer funds electronically. Here are some of the things you might use PayPal for:

  • Send or receive payments for online auctions at eBay and other Web sites
  • Purchase or sell goods and services
  • Make or receive donations
  • Exchange cash with someone

Why is it Legal to Create a PayPal Account in Ghana?

Most People will go like, it is unlawful to own a PayPal Account in Ghana. What I usually tell them is, in case you are in Togo or Nigeria, and it’s legal for you to own a PayPal Account, then, in the same way, it is legal to own one in Ghana. I can be a Togolese or Nigeria and be residing in Ghana at the moment. Does that forestall me from using my PayPal account when I have one? Absolutely not. PayPal took away Ghana and other countries for their own security reasons, not because of the illegality of persons using it in those countries.

Check out: How to Make Money Online in Ghana.

Differences Between Billing and Shipping Addresses

Billing Address: defines billing address as the address associated with your credit card – it is used to verify your credit card information. Your billing address is where you receive your bank statement for the credit card.

Shipping Address: defines shipping address as the address used to tell the seller where you want your items delivered. This can be the same as your billing address, or it can be different.

Creating a Verified PayPal Account in Ghana

While creating a PayPal account, you want to have a billing address. One advantage of PayPal to Ghanaians is that PayPal does not confirm your account with your billing address, not even with your cell phone number. It verifies with your email account only. Consequently, you need a valid email address to verify or spark off your account.

With just 25 dollars / 100 cedis, you can get a PayPal account that can send money, make payments, receive funds, and cash out money in Ghana. Let’s chat on WhatsApp now.

Follow the steps below to create a PayPal account in Ghana:

  1. Get a virtual Togo address with phone number
  2. Copy and paste the address somewhere on your computer
  3. Visit the PayPal site and hit Sign up in the top right corner of the page, or use the URL which is the Togo version of PayPal
  4. Choose a Personal or Business account depending on your choice. Personal accounts are for general transactions like buying items and sending money. Business accounts are for integrating with online shops and related stuff.
  5. Click Continue and you’d be prompted to type in your email address and other details
  6. Type in the email field your correct personal email address and choose a secure password
  7. Hit Continue and put in the address and phone number you have copied earlier in step 2 into the spaces provided
  8. Create your account and login
  9. Add your debit or master card details. Debit cards can be obtained from most international banks in Ghana including Barclays, UBA, etc. MasterCards can be obtained from GCB and some other banks.
  10. Check your email address to verify or activate your account, and enjoy PayPal legally in Ghana.

Check out: List of Online Shopping Sites in Ghana.

Please note that this type of account (Togo account) can only be used to make online purchases or transfer money to other people’s PayPal accounts. You cannot use it to receive money from someone or withdraw money from your account. For an account that can receive money and cash out in Ghana, click the following link >> Receiving and Cashing out Money from Your PayPal Account in Ghana.


And now for your information; if you want to buy items from online, always remember to specify a shipping address, where you want the item to be shipped to. This is totally different from your billing address.

Get a premium PayPal account for a cool GH₵100.

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Saviour Sanders
Saviour is an ardent Internet Marketer, SEO Expert, and a Web Designer.

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  1. Archibold

    Please can you help me get a virtual nigerian address with phone number

  2. Daniel

    Great post. Very helpful. I’ll let you know how mine goes.Thanks once again.

    1. Saviour Sanders

      Alright, Daniel.

      Hoping to hear from you again.

  3. Ewurabena

    Do I need to open a dollar account or can I use my cedis account to fund the PayPal account

    1. Saviour Sanders

      No, Ewurabena.
      You don’t need a dollar account in order to fund your PayPal account. Your cedi account can do.

      When making transactions, your currency would be converted by PayPal.

  4. Edwin Asare

    Hello I would to ask this:
    can I use my US MasterCard instead of my visa card?

    if No!

    how do I create a PayPal account with my US MasterCard?

    1. Saviour Sanders

      Hello Edwin,

      You can use your US Mastercard to link with your PayPal account.

      Please note that it is not the card that will enable you to create the account. The card only links to your account after it is created to enable transactions to be done between your account and your bank.

  5. cliff

    please can i change my paypal address and phone number and country..i sign up using uk address

    1. Saviour Sanders

      Yes you can. But why do you want to?

  6. Nana Ofori

    This is kinda flawed because when you attempt to link your debit card it will require a billing address and your billing address has to be the same or at least the same country with the one which you used to create the account. If there is a way to link a Ghanaian debit card with a Ghanaian billing address to a paypal account opened with a Nigerian address please enlighten me. Thanks

    1. Saviour Sanders

      Thanks for your comment, Nana. It is important that your billing address has your bank’s branch in that country.

      That is why I advice that you go with Barclays. Their debit cards are for free.

      1. Nana Ofori

        I don’t get you. Scenario I open a paypal account with a Nigerian address. Ecobank is also in Nigeria. I want to link my Ecobank Ghana card with the account. I’m unable to link because the billing address is restricted to Nigeria whereas my card’s billing address is in Ghana. So how do I resolve this?