NIGERIA PAYMENT CASE

SOLUTION 2 : PayPal still + manually Wise 

Perfect — that makes it much simpler!
If your members love using PayPal, here’s an easy path:

🟢 Recommended Setup for ITHF-like Site:

👉 Primary payment: PayPal

• Works in Indonesia and Nigeria

• Supports credit card payments (even if someone doesn’t have a PayPal account)

• Trusted by international users

• Easy to embed buttons on any website (no need for full e-commerce setup)

👉 Backup/manual option: Wise

• For members who cannot use PayPal (some Nigerian banks block PayPal cards)

• You can give them a Wise link or account to do a manual transfer

• You manually verify and activate membership

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How to implement this:

✅ Create PayPal Business Account (if not already done)
✅ Create PayPal "Subscribe" buttons for membership (recurring) or "Buy Now" (one-time)
✅ Embed the PayPal button on your membership page
✅ Add a small note: “If you cannot use PayPal, please contact us for bank transfer or Wise payment.”
✅ Provide a Wise link or bank account manually to such members

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Pros:

✅ No need to change your existing website
✅ Works with and without credit cards
✅ Works worldwide (including Indonesia & Nigeria)
✅ Familiar to your audience (you already know they like PayPal)

Cons:

❌ Some Nigerian banks/cards may not work on PayPal — that’s why having Wise as backup helps
❌ No fancy membership automation unless you add a plugin (optional)

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Optional upgrade:

Later, if you want to fully automate:

• Use Paid Memberships Pro or MemberPress on your site

• Both integrate with PayPal easily

• This will give you member profiles, expiry reminders, member-only content, etc.

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Summary:

Tool	Role
PayPal	Main payment method
Wise (manual)	Backup for tricky payments
Membership plugin (optional)	Automate membership experience

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If you want, I can also:
✅ Show you exactly how to make the PayPal button for your site
✅ Suggest a good backup wording for Wise
✅ Recommend a membership plugin if you later want more features

Would you like me to generate an example PayPal button flow + backup text for you?
(It will take me just 2 minutes!) 🚀✨

PADDLE COULD BE THE SOLUTION part 1

Great question — if you want to accept membership payments on a website, with global coverage (including Indonesia and Nigeria) and support both credit card and non-credit card payments, here are some good options to consider:

🌍 1. PayPal

• ✅ Works in most countries including Indonesia & Nigeria

• ✅ Accepts credit/debit cards + PayPal balance

• ❌ Some users in Nigeria report restrictions (must check latest)

• 💰 Fees can be high

🌍 2. Stripe (with partners)

• ✅ Very good for membership sites

• ✅ Accepts credit/debit cards, Apple Pay, Google Pay, wallets

• ❌ Not natively supported in Indonesia/Nigeria — but many platforms offer Stripe Atlas or connect via third parties (ex: Paystack for Nigeria)

• 💰 Developer-friendly, but requires setup

🌍 3. Paystack (owned by Stripe)

• ✅ Great for Nigeria and some other African countries

• ✅ Accepts cards, local bank payments, mobile money

• ❌ Not available in Indonesia (but can be combined with another gateway)

🌍 4. Xendit (excellent for Indonesia)

• ✅ Focus on Indonesia & SEA

• ✅ Accepts credit/debit cards, e-wallets, bank transfers (very local-friendly)

• ❌ Not available in Nigeria (combine with Paystack if you target both)

🌍 5. Wise (ex TransferWise) + manual process

• ✅ Global coverage

• ✅ Accepts payments via bank transfer, Wise balance, etc.

• ❌ Not automated membership, but can be combined with other platforms for manual verification

🌍 6. Paddle

• ✅ All-in-one checkout optimized for SaaS/membership

• ✅ Handles taxes + compliance globally

• ✅ Accepts cards, PayPal, wallets

• ✅ Covers Indonesia & Nigeria

• ❌ Higher fees but very hands-off for you

Summary Table:

Payment Gateway	Indonesia	Nigeria	Credit Card	Bank Transfer / Wallet	Easy for Membership
PayPal	Yes	Limited	Yes	Yes	Yes
Stripe	Via 3rd party	Via Paystack	Yes	Yes	Yes (if using 3rd party)
Paystack	No	Yes	Yes	Yes	Yes
Xendit	Yes	No	Yes	Yes	Yes
Wise + manual	Yes	Yes	No	Yes	No (manual)
Paddle	Yes	Yes	Yes	Yes	Yes

My recommendation:

If your goal is an automated membership website with users in Indonesia and Nigeria, try this stack:

• Paddle — simplest global all-in-one

• OR

• Stripe with Paystack + Xendit (requires more setup but more flexible)

• OR

• PayPal if you want the easiest common denominator, but user experience may vary

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If you tell me:
👉 what platform your site uses (WordPress? Wix? Shopify? Custom?)
👉 who are your target members (mostly Indonesia? both Indo + Nigeria? global?)
👉 are you okay with paying some fees for ease of use?

— I can give you an even more specific suggestion!
Would you like me to? 🚀

Yes, Wise (formerly TransferWise) does work in Nigeria, but with some limitations.

✅ What you can do with Wise in Nigeria:

• Send money to Nigeria from other countries in supported currencies (like USD, GBP, EUR, etc.)

• Recipients in Nigeria can receive funds in NGN (Naira) directly into their local bank account

• Transparent exchange rates and lower fees than traditional banks or services like Western Union

⚠️ Limitations:

• You cannot send money from Nigeria to other countries using Wise (as of now)

• Naira (NGN) is a receive-only currency on Wise

• You can’t hold a Wise account balance in NGN

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💡 Workaround / Solution:

If someone in Nigeria needs to pay internationally, a solution would be:

1. Use a domiciliary USD bank account in Nigeria to fund payments.

2. Use Wise from someone outside Nigeria to handle transactions (e.g., a friend or business partner pays on their behalf).

3. Consider using Payoneer or crypto-based platforms as backup if Wise sending isn’t possible.

Let me know your use case (sending, receiving, subscription, donation, etc.), and I can help you find the smoothest option.