How To Use Google Pay in Nigeria

You don’t have to fumble for cash and swipe your card to make a transaction anymore. Technology is here to make life easier and the financial sector has enjoyed significant impact from it. 

Are you in Nigeria and want to ditch carrying wallets? Stay with me, I just might have the solution for you. 

As technology continues to advance, digital payment systems have become integral to modern finance. GPay, short for Google Pay, is a system that offers users a seamless way to make online and offline transactions.

Initially, Google Pay was limited to certain countries, but now, it’s accessible in Nigeria too. This article will walk you through the process of using Google Pay in Nigeria. But before we dive in, let’s start with the basics.

What Is Google Pay?

What Is Google Pay?

Google Pay is a mobile app developed by Google that transforms your smartphone into a digital wallet. 

It lets you pay for things without needing cash or cards. You can use it to buy items online or pay for things in stores by just tapping your phone. You can also send money to friends and family using Google Pay.

It is safe and secure because it uses special technology to protect your information. With Google Pay, you can easily manage your money and make payments with just a few taps on your phone.

How Google Pay Works

How Does Google Pay Work?

Google Pay serves as an alternative to your traditional bank cards. It keeps virtual copies of your cards in the app, so you can leave your physical cards at home and still buy things or send money with your phone.

The app works like a digital wallet, keeping your credit, debit, or prepaid cards safe. It also stores any loyalty cards, coupons, or deals you’ve earned by using Google Pay at certain stores. Additionally, Google Pay can store other digital items like Google Play gift cards

To use Google Pay in Nigeria, just connect a valid card to your Google Wallet, and then you can send and get money through Gmail. Google Pay works with different cards like Google Prepaid, MasterCard, Visa, American Express, and Discover cards which you can use to add money to your Google wallet.

Lately, some fintech companies like Flutterwave and Interswitch have incorporated Google Pay into their payment systems. This makes it easier for Nigerian businesses and people to do transactions across borders,

How To Set Up a Google Wallet Account in Nigeria

You’ll require a Gmail address and a credit or debit card to set up a Google Wallet account in Nigeria. Once you have these ready, follow these steps:

  1. Go to the Google Wallet website and sign up using your Gmail account.
  2. Create your Google Wallet account and connect it to your bank card.
  3. Your account is now set up and ready for use.
  4. Next, download the Google Pay app from the Play Store. However, it may be necessary to use a VPN to access it in Nigeria, or alternatively, download the app from an APK app store online.

How To Send Money Using Google Pay in Nigeria

Sending money using Google Pay is easy and convenient. You can use Google Pay to pay for goods and services or to just send money to loved ones. 

Follow the steps below to send money to another Google Wallet in Nigeria:

  1. Sign in to your Google Wallet account either through the app or web interface.
  2. Log in to your Gmail account and navigate to the compose tab.
  3. Type in the recipient’s Gmail address. You can also include a message or explanation for the transfer if you want. 
  4. Select the appropriate currency symbol – use “$” for recipients in the United States and “£” for those in the United Kingdom.
  5. Input the desired amount and click “Send” to finalize the transaction.

How To Receive Money to Your Google Pay Account in Nigeria

How To Receive Money Using Google Pay

What happens when someone sends money to you using Google Pay? How do you get the money out?

The easy steps below will show you how to receive funds into your Google Wallet account:

  1. Sign in to your Google account or Gmail.
  2. Open the email notifying you of the money transfer to your Google Wallet.
  3. Follow the instructions in the email to accept the funds and verify your Google Wallet identity.
  4. Once verified, withdraw the money into your Google Wallet balance or linked bank card.

Advantages of Using Google Pay in Nigeria

Some benefits come with using Google Pay in Nigeria, as it is in other parts of the world. 

Below are the advantages of using Google Pay in Nigeria:

  1. Enhanced Security: Google Pay uses advanced security features, such as encryption and tokenization, to protect users’ payment information. This ensures that transactions are secure and reduces the risk of fraud or unauthorized access to sensitive data.
  2. Ease of Use: Google Pay offers Nigerians a convenient way to make transactions without the need to carry physical cash or cards. With just a smartphone, users can easily send money, pay bills, and make purchases online or in stores. 
  3. Integration with Fintech Platforms: Google Pay integrates with various fintech platforms in Nigeria, such as Flutterwave and Interswitch, facilitating seamless cross-border transactions for businesses and individuals. 

Frequently Asked Questions About Using Google Pay in Nigeria

1. Is Google Pay available in Nigeria?

Yes, Google Pay is available in Nigeria. It allows users to make payments, send and receive money, and manage their finances using their smartphones. It has also been integrated into fintech platforms like Flutterwave and Interswitch. 

2. Can I receive money with Google Pay in Nigeria?

Yes, you can receive money with Google Pay in Nigeria. Once someone sends you money through Google Pay, you’ll receive a notification and can easily claim the funds through the app.

3. How can I withdraw money from Google Pay in Nigeria?

You can withdraw money from Google Pay in Nigeria by linking your bank account to the app. Once linked, you can transfer funds from your Google Pay balance to your bank account directly within the app.

4. What other payment service similar to Google Pay is available in Nigeria?

In Nigeria, you can use Google Play gift cards as a practical substitute for Google Pay. These gift cards allow you to purchase products or services directly on the Google Play store.


In conclusion, utilizing Google Pay in Nigeria offers a modern and efficient way to handle transactions. You can use it for everyday purchases or sending money to friends and family. 

With its user-friendly interface and integration into some fintech platforms, Google Pay simplifies the payment process, making it accessible to a good range of users across the country. 

However, you should note that while Google Pay allows users to store payment cards, such as credit and debit cards, it does not directly support the storage of other types of gift cards aside from Google Play gift cards. 




When Ife isn't reading or writing content, she's laughing at a tweet or burning her data on Netflix. Working hard and playing hard. 😉

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