How To Pay For Facebook Ads In Nigeria 2020

Last Updated On: June 10, 2020Nomzy
pay for Facebook Ad in naira

After reading this post, you are likely never to encounter any issue if you want to pay for Facebook ads in Nigeria with the local currency, Naira.

Facebook has always been a good advertising medium for business owners in Nigeria looking to reach and maintain customers. In the past, we only had the option of paying for ad campaigns with the United States dollar. This didn’t go well for most individuals. Some incurred debts due to exchange rates, rejected debit cards or monthly international spend limit.

To avoid this situation, most businesses opted in for dollar debit cards or paid advertising agencies to run campaigns on their behalf. But then, everything changed for Nigerians in 2017.

The ability to pay for Facebook ads in Naira officially began in March 2017, with the help of the third party payment processor PayU.

As at the time of this post, only Visa and Master debit Cards can be used to make payment on PayU.

This integration came in as a lifesaver. Now, you don’t have to worry about running ads that you won’t be able to pay for due to declined debit card or a spike in our dwindling exchange rate. Although Payu is amazing, there is a set back; paying with verve card isn’t available yet but hopefully, in the nearest future they will be accepted.

Before PayU For For Facebook Ads Existed

In the past, Nigerians who needed Facebook advertising solutions for their businesses only had one option. They could only use the conventional dollar Facebook ad account to run ads.

Despite its usefulness, running ads proved rather difficult for many as there were a series of non-budgeted spending due to unmeasured ad spend rates. Some Nigerians often ended up being indebted to the social media platform because their cards got rejected.

I created this post to help business owners who want to run ads but need a Facebook Ad account that accepts naira payments.

I hope this tutorial does justice so that you can easily create your own advertising account on Facebook and pay with the Nigerian naira.

If you are still running your Facebook Ad account and paying in dollar, you might want to reconsider and switch over to a Nigerian account. It is better to be charged in Naira, at least you will be able to track your spend rate properly.

Disadvantages of Using A Dollar Dominated Facebook Ad Account

  • Most Naira debit cards are restricted by their issuers.
  • The Dollar to Naira rate is quite high and this can incur unnecessary expenses
  • Inability to properly calculate Ad spendings due to the fluctuating dollar to naira rate.
  • Running adverts and discovering you can not pay with your debit card, thus, you find yourself in some crazy debt.

Having highlighted the above drawbacks of using a Dollar Facebook advertising Account, I will go further to guide you on how to create and pay for campaigns in Nigeria.

Before you continue, note that; you must fund your Naira Facebook Ad account before creating and running ads. It is actually better because you will not have to be indebted to Facebook. This is unlike the usual advertising accounts where you could spend above your life savings unknowingly.

How To Create A Facebook Ad Account In Nigeria and Pay in Naira

You can watch the video tutorial above if you rather not stress yourself with the instructions below.

Note; If you have already created an ad account previously: you will need to create a new FB account or use a friend’s account for your brand new naira ad account.

Creating And Paying For Facebook Ads With Naira In Easy Steps

Pay for facebook ads in Nigeria with naira
  • Log on to and click on the drop-down menu that displays your pages and other information.
  • Locate and click on “Create Ads”. Facebook will automatically create an ad account for you.
  • Navigate to and click the settings icon on your top screen. You will be redirected to your settings page.
  • Once you are in the settings page, click on “payment option”.
  • Now, in your payment options page, ensure you choose to show payment options for Nigeria else you will not find the Naira debit card option.
  • Once you’ve selected Nigeria, (default selection) only choose to pay with Naira debit card.
  • A pop up will appear; input the amount you wish to fund your Facebook ad Account with (minimum amount is N100).
  • Once the desired amount is inputted, review payment and hit make payment. The PayU payment page will open.
  • You are to input the following;
    • 16 digit card number,
    • Your account name and
    • Your card’s expiration year (month/year).
  • If your information is correct, a one time pin (OTP) will be sent to your approved bank number. copy, paste and finish your payment.

Note that some banks require you to register to be able to do some online transactions.

I use GTBank debit card I and have never encountered any problem with funding my ad account using the PayU payment processor.

FAQ: What If my debit card has been blocked by Facebook; for some reasons?

ANSWER: PayU is a third party payment processor, thus you can use your blocked card to fund your account.

FAQ: Why can’t I pay with my verve card/

ANSWER: Although Verve cards are not currently accepted, we do hope that PayU gives verve users the privilege to begin paying with their debit cards.


With the simple but helpful tutorial above, I hope you will be able to pay for Facebook ads in Nigeria with your naira debit card without glitches. Although Verve cards are not currently accepted, we do hope that PayU makes this option available in the nearest future. Have fun running your ad.

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Comments (13)

  • Debby

    June 17, 2020 at 2:30 pm

    A million thanks for this helpful post. It has gone a long way to answer a lot of questions I had prior to this time. Please keep up the good work. 👍🏾👍🏾👍🏾

    1. Nomzy

      June 17, 2020 at 3:18 pm

      Glad you found this helpful and thanks 🙂

  • Uchechi

    June 10, 2020 at 10:49 pm

    Hello Onome. Thanks for this this step by step instructions. I have done everything as you explained and my account debited by pay4u through a friend’s Facebook page since I have an add running and couldn’t do so on my page, but I am yet to be charged for an unsettled amount outstanding on my page. Please what else do I need to do as I need to run more ads.

    1. Nomzy

      June 10, 2020 at 10:56 pm

      Could you rephrase? If you have an outstanding debt you can’t pay, the only option is to get a new card Facebook accepts. You cannot clear old debt with PayU, to my best knowledge.

  • Zuly

    December 14, 2019 at 9:49 am

    My atm card has expired ,is there a way i can fund my account in payu without using the card

    1. Onome

      December 14, 2019 at 11:11 am

      For Facebook ad, no

  • Timi

    October 18, 2019 at 9:16 am

    I am having a serious issue on how to switch from credit card to Naira card for payment for ads on facebook.
    How do I go about it please. I need urgent response please.

    1. Onome

      October 18, 2019 at 9:18 am

      This post is detailed enough.

  • Temple

    September 27, 2019 at 10:47 am

    Hello Onome, thanks for the great article. I have noticed that the payU option is no more for Facebook ads payment, and my card has been declined a lot of times. What do I do please. I need reply asap as I really wanna run ads immediately. Thanks dear.

    1. Onome

      September 27, 2019 at 11:03 am

      Temple, before replying to your comment, I funded my Facebook ad through Payu. Were you able to use Payu in the past? If your account is the old advertising account, I suggest you open a new Facebook or use an alternate account and create a new ad account.

  • Igweocha

    August 27, 2019 at 12:41 pm

    Thank you Onome for this one. I have been able to set up an ad account and pay as well. I needed to open a new facebook account. This information was very helpful to me.

    1. Onome

      August 29, 2019 at 2:12 pm

      Welcome dear Igwe. Glad this post helped you.

  • Fabulous

    November 20, 2017 at 2:12 pm

    Great one! Clear and understandable. Thanks for sharing.

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