How to Make PayPal Payment Using Credit Card


PayPal Payment Using Credit CardIn Nigeria today, there is hardly any transaction you can make online without using your credit card. Pay Pal has become the fintech leader in the area of making seamless and easy transaction online without hassle.

Many online stores now accept credit card usage and PayPal is embedded into paying platform. So the question is how does one making a transaction online with PayPal through credit card?

What is Paypal Payment All About?

Paypal has emerged as the most popular and widely used method to transfer money, make payment and do business online throughout the world. In fact, The ease of making payment through PayPal is its driving force and millions of customers use the PayPal platform to send and receive money and do a secured transaction.

Making a payment with PayPal is not only cheap, but it is also stressfree and convenient. It won’t cost you anything to use PayPal to make a payment or do transactions.

Paypal can also be an expensive choice if you need to make payments internationally, whether or not you have an account with them.

Also, note that PayPal fees are typically higher if you’re paying for goods and services, in other words, it’ll cost more to make a payment to a business than it would do to a friend

PayPal allows you to make payments using different methods which include; Paypal Credit, a bank account, PayPal Cash or PayPal Cash Plus account balance, debit or credit cards, and rewards balance.

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How to Make Payment with Paypal.

Two major things are involved in making payments with the Paypal.  They are;

    • Having the Paypal account
    • Not having the Paypal account.

Therefore, even if you have the account or not, you can still the Paypal for transactions. As long as you have received a money request or invoice or you have the email address or telephone number of the person you want to pay, you can make payment with Paypal at ease.

How to Make Payment with Paypal if You Have the Account

Below is how to send money with the Paypal provided you have an account

1: Log into your Paypal account

If you’ve been emailed an invoice or money request regarding something you had ordered for or you are about placing the order, you will just have to click on the “Pay now” button to get started.

You might be asked to log into your PayPal account before progressing depending on the device you used in opening the Paypal.

If you need to start the payment yourself, you’ll need to log into your PayPal account and then click the ‘Send and request’ button.

 2: Select the nature of the payment (personal or business)

One thing PayPal does is to confirm if you’re paying for goods and services (especially if you are structuring the payment by yourself) or making a payment to a friend or family member, either in the US or internationally.

Remember, the fees and charges could be different for each service, so make sure you pick the right one for your needs.

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3: Enter the recipient’s details

You will be asked to enter the email address or phone number of the person you wish to pay. Be sure you are entering the correct information before proceeding.

4: Enter the Amount and Currency you are making the payment with

You’ll then confirm the amount you want to pay as well as the currency you are using for the payment.

This is done by clicking the drop-down boxes which bear the currencies available and you choose the one particular to your payment.

5: Choose a funding source by pressing “confirm”

Ensure that you correctly entered the payment, having done that,  choose your mode of payment.

At this stage, you can freely choose between a few different funding sources using a credit or debit card, Paypal balance, or a linked bank account.


6: Finally, review your payment

Immediately your funding source has been added, you’re done. Just click the “payment” button to confirm the payment you have made.

A receipt showing that the payment has been processed will be sent to your email showing the success of the payment.

Now let us look at how to send money through Paypal without having the account

How to send money through PayPal if you do not have the account

If you don’t have a Paypal account and events come up that require you use the Paypal, don’t worry, you’ve been covered.

To be able to make payment through PayPal without opening an account yourself, the receiver of the money to be sent will have to send you a “money request” or “an invoice”.

This implies that an email with either a detailed invoice (especially if you’re paying a business) or a simple note explaining what the money is needed for. So all you need to do is access your email account.

In the email sent to you, will be a “Pay now” button, which is all you need to make the payment without opening a PayPal account yourself. The steps are practical steps to what am talking about.

1: Enter the “Pay now” option in the invoice you’ve received

Having received the email detailing the payment, simply enter the “Pay now” button. If in case you can’t see the email, try checking your trash or spam folders, should in case it has been sent there.

2: Slot in your debit or credit card details

You will be given the option to open a PayPal account yourself and pay that way. But, if you don’t want that, you just have to select the credit or debit card option and enter the details for the card you are using.

Have it in mind that using a credit or debit card to make payments through PayPal are much more expensive than payments made using a PayPal account with balance or a linked bank account.

3: Confirm the payment

You will get a final chance to review the payment and make sure everything’s in order. If it’s all as you want it, just click confirm and the payment will be processed.

You’ll receive an emailed receipt of your payment for your records.

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