How can I make subscription payments in Lagos, Nigeria without a credit card?

Payments + Shipping & Fulfilment

Topic summary

Topic: Paying a Shopify subscription from Lagos, Nigeria without credit card/PayPal.

  • The store owner’s trial is ending soon and they can’t choose a paid plan because their Nigerian debit card was rejected. They note credit cards and PayPal aren’t available to them.
  • Shopify support first pointed to third‑party payment gateways for accepting customer payments in Nigeria, but the user clarified the issue is paying Shopify’s own subscription bill.

Current billing options (per Shopify support and FAQ):

  • Valid credit cards (Mastercard, Visa, American Express).

  • Co‑branded debit cards (debit cards that carry Mastercard/Visa/AmEx branding).

  • Shopify Balance (in some regions).

  • PayPal (in some regions).

  • Another Nigerian user reports their credit card keeps declining.

Status:

  • No immediate workaround was provided for Nigerian users without co‑branded cards or supported PayPal/Balance.
  • Support has forwarded feedback to developers; no decision or timeline shared.

Notes:

  • Links were provided to Nigeria payment gateways (for accepting customer payments) and to the Billing FAQ (for subscription payment methods).
  • Discussion remains unresolved/ongoing.
Summarized with AI on December 17. AI used: gpt-5.
2

Hi @saeg ,

Thank you for reaching out to the Community! I’m happy to provide some assistance with this request, to ensure it gets resolved. To confirm I’m fully understanding, are you looking for a way to accept credit cards within your shop?

If so, Shopify has integrated with over 100 different third-party payment providers to allow you to continue accepting credit cards online. Due to this, I encourage you to check out this complete list of all available payment providers within Nigeria.

For more information on payment providers, you can check our Third-Party Payment Providers documentation as it touches on this further.

Please let me know if you have any other questions or concerns.