AliExpress payment options for Nigerians and How to make payment on AliExpress from Nigeria is a frequently asked questions from our readers because some of our readers and visitors are based in Nigeria and they loves to shop on AliExpress.

AliExpress is one of the most popular online marketplaces in the world, offering a wide range of products at competitive prices.

However, if you are new to AliExpress, you might wonder how to make payments on the platform.

In this article, we will guide you through making a payment on AliExpress from Nigeria.


Are you a Nigerian shopper looking to buy products from AliExpress but need help making payments?

Look no further! In this article, we will guide you step-by-step on how to make payments on AliExpress from Nigeria.

AliExpress is a popular online shopping platform that offers a wide range of products at competitive prices.

However, for Nigerian shoppers, making payments on AliExpress can be challenging due to international payment restrictions and other factors.

But worry not, as we have you covered! We will walk you through the entire process, from setting up your account to selecting a payment method, and even provide you with tips to ensure a seamless shopping experience.

So, if you’re ready to start shopping on AliExpress quickly and confidently, keep reading!



Before we dive into the payment process, let’s quickly talk about why AliExpress is a great platform to shop on.

Here are some of the benefits of shopping on AliExpress:

  • Wide range of products: AliExpress offers a wide range of products from different categories, including electronics, fashion, home and garden, sports, and more. You can find whatever you are looking for on AliExpress.
  • Competitive prices: AliExpress is known for its competitive prices. You can find products on AliExpress at prices lower than what you might find on other online marketplaces.
  • Buyer protection: AliExpress’s buyer protection program protects buyers from fraudulent sellers. If you receive a damaged or defective product or the product is not as described, you can file a dispute and get your money back.

Now that we have discussed the benefits of shopping on AliExpress let’s talk about how to pay on the platform from Nigeria.


AliExpress offers several payment methods, including credit/debit cards, bank transfers, and e-wallets. However, not all payment methods are available in Nigeria. Here are the payment methods that are available for Nigerians:


You can use your Visa or Mastercard to make payments on AliExpress. However, some Nigerian banks do not allow their cards to be used for international transactions.

Therefore, if your card is not working on AliExpress, you should contact your bank to enable international transactions or simply get a dollar card.


PayPal is not available in Nigeria. Therefore, you must use something other than PayPal to make payments on AliExpress from Nigeria.


AliExpress has its own e-wallet called AliPay. However, AliPay is not available in Nigeria. Therefore, you must use something other than Alipay to make payments on AliExpress from Nigeria.


You can use other e-wallets like Payoneer and Skrill to make payments on AliExpress. However, you might be charged a fee for using these e-wallets.

Now that we have discussed the payment methods available for Nigerians, let’s talk about the challenges of making an international payment with a Naira Visa or MasterCard on AliExpress.


If you’re a Nigerian looking to shop on AliExpress, you may be wondering how to make payment on the platform. Fortunately, you can use your Dollar Visa or Mastercard for international transactions or other e-wallets such as Payoneer or Skrill to make payment. Follow the step-by-step guide we’ve provided and use the tips to ensure a seamless shopping experience on AliExpress, where you can access a vast selection of products at competitive prices.


As of December 31, 2022, Guaranty Trust Bank Plc (GTB) customers will no longer be able to use their naira-denominated Mastercard for international online and point-of-sale transactions.

The bank emailed its customers on December 29, 2022, advising them to get dollar cards, which would require them to open dollar accounts. GTB did not provide reasons for the decision.

However, it is not the only bank that suspends international transactions on naira-denominated cards. Standard Chartered Bank made a similar announcement in July, stopping international transactions on its naira visa debit card effective August 1, 2022.

In September, First Bank of Nigeria also suspended using its naira-denominated cards for foreign transactions due to foreign exchange scarcity. Instead, the banks have given their customers the option of dollar-denominated cards for international transactions.

This move by banks signifies that naira-denominated cards are becoming useless outside the borders of Nigeria.

This is a significant departure from the past, where users of naira-denominated cards were allowed to spend up to $150,000 per annum for international transactions.

However, the spending limit on naira-denominated cards for international transactions was reduced to $50,000 per person per annum or $4,166.7 per month in April 2015 and later dropped to $500 per month, then $100 per month.

In the first quarter of 2022, holders of naira-denominated cards were limited to $20 international transactions, but now they are not allowed to do international transactions.

Fintechs, including Flutterwave and several others, that used to have virtual dollar cards have also suspended services that facilitate international transactions.


You have three options, namely:

  • Dual currency debit card
  • Dollar Card (Visa/MasterCard)
  • Virtual Dollar Cards


Virtual Dollar Cards have become a lifesaver for Nigerians who want to carry out international transactions without the restrictions that come with a domiciliary account.

This is because the Central Bank of Nigeria (CBN) prohibits using regular Naira debit cards for foreign payments.

Unfortunately, getting an international card is a tricky process for Africans, as it requires having a domiciliary bank account first, which is not easy.

Due to the rigorous process, only a few people can get a foreign card when needed. However, with Virtual Dollar Cards, anyone can get an international MasterCard or Visa without the confines of a domiciliary account.

This card can also be used to make payments on AliExpress from anywhere in Nigeria. Having an international card is essential to protect you from any restrictions banking services might impose on your local currency card, which limits your ability to carry out international transactions.

Some FinTechs in Nigeria that offers Virtual Dollar Cards include Klasha, PayDay, Chipper Cash, Cardify, GeegPay, ALAT, Changera, and Grey.

Do your due diligence on any of the fintech mentioned above before opening an account.


Opening a domiciliary account is required before a Bank can issue you a Dollar Card.

Domiciliary accounts are popular in Nigeria and are used to receive and make USD, EUR, and GBP payments.

However, one major limitation is that accounts must be created based on the currency you want to receive or send.

For instance, to receive Dollar payments, you must create a USD domiciliary account; for Pounds, you must create a GBP one.

It is also important to note that you cannot transfer from your local currency (Naira) to your dom account, as you can only receive a currency based on your created account.

Therefore, opening or getting a domiciliary or foreign account is necessary to make international transactions more seamless and comfortable, especially when making payments on AliExpress.

What you need to apply for a Domiciliary Account (Dollar Cards) in Nigeria

  • Completed (USD) Domiciliary account form given by the bank
  • Two referees.
  • One recent passport photograph.
  • Proof of address, such as a recent utility bill.
  • A copy of a government-issued ID, e.g., Driver’s License or International Passport.
  • A minimum opening balance (varies from bank to bank)


Some banks in Nigeria issue dual currency debit cards that allow you to make payments on AliExpress but at a cost – Exorbitant Exchange Rate.

Staying on top of the foreign exchange market is essential to get the best market exchange rates when using a dual currency spending card.

This card lets users spend in two currencies, withdraw cash from multiple countries, and pay at millions of merchant locations worldwide. It is available to both Naira and Domiciliary account holders in Nigeria.

However, it comes at a cost, as users would have to pay for the currency exchange, which can be unfavorable.

To get the best exchange rates, users must stay updated with the price changes and carefully observe the market trends.

This way, they can predict when rates will likely improve or dip and make informed decisions.


Here are the steps to follow to make a payment on AliExpress from Nigeria:

Step 1: Sign up on AliExpress

The first step to paying for AliExpress is to sign up on the platform. You can sign up using your email address or your Facebook account.

Step 2: Find the Product You Want to Buy

Once you have signed up on AliExpress, you can browse the products and find the one you want. You can search for the product or browse the categories in the search bar.

Step 3: Add the Product to Your Cart

Once you have found the product you want to buy, you can add it to your cart by clicking the “Add to Cart” button.

Step 4: Proceed to Checkout

Once you have added the product to your cart, you can proceed to checkout by clicking the “Buy Now” button or the cart icon on the top right corner of the screen.

Step 5: Choose the Payment Method

After clicking “Place Order,” you will be taken to the payment page where you can choose your payment method. As we mentioned, you can only use your USD (dollar) credit/debit card or other e-wallets such as Payoneer or Skrill to pay on AliExpress from Nigeria at the moment.

Step 6: Enter Your Payment Details

If you choose to pay with your credit/debit card, you will be prompted to enter your card details, including the card number, expiry date, CVV, and billing address. Ensure you enter the correct information to avoid any issues with your payment.

If you choose to pay with an e-wallet, you will be redirected to the e-wallet’s payment page, where you can log in and complete the payment.

Step 7: Complete the Payment

After entering your payment details, you can click the “Pay Now” button to complete the payment. Once the payment is successful, you will receive a confirmation message on the AliExpress platform and an email confirming your order.


Here are some tips to help you make payments on AliExpress from Nigeria:

  • Use a Dollar Visa or Mastercard: Make sure you use a Dollar Visa or Mastercard that allows international transactions to avoid issues with your payment.
  • Check for discounts and coupons: AliExpress often offers deals and coupons you can use to get a lower price on your purchase. Make sure you check for these before making your payment.
  • Check the seller’s rating: Before making your purchase, check the seller’s rating and reviews to ensure they are reliable and trustworthy.
  • Check the product description: Read the description carefully to ensure that the product meets your expectations.


Shopping on AliExpress from Nigeria has always been challenging. However, with the tips and steps outlined in this article, you can confidently make payments and enjoy the wide range of products offered on the platform.

So, why wait? Take advantage of the competitive prices and vast selection of products on AliExpress today!

Follow the step-by-step guide we have provided and use the tips to ensure a seamless shopping experience.

Don’t let payment restrictions keep you from accessing the products you want. With the correct payment method and knowledge, you can easily make purchases on AliExpress from Nigeria.

So browse the extensive range of products available on AliExpress, and use the information in this article to make your payment quickly. Happy shopping!

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