Thursday, December 8, 2022
Home Blog Page 3

The Best Affiliate Programs you can work with.

You probably have been seeing the term “affiliate marketing” on this blog, especially if you are an avid reader of this blog. In this article, I will be diving into affiliate marketing and sharing some of the best affiliate marketing programs.

What is affiliate marketing?

Here is a real live example:  A fashion design label has made a dress, as a blogger, I post the picture of the dress and tell you why I think it is an amazing dress. Then I write “ if you will like to order this dress, click here”. The link to the dress is embedded in the word “here”. You buy the dress, I get paid a commission. That is affiliate marketing or affiliate program.

Affiliate Marketing Programs (what is an affiliate program)

Affiliate programs  is one way big companies increase their sales.  They serve as extra sales channels.

Anyone with a thriving blog or website  can sign up for these programs, get a link and post them on their blog or website . They then proceed to convince blog/website visitors to click on the links.

You may be wondering how the big companies will know that their product is linked in your blog or website. Part of how the affiliate program works is that the links are embedded with the “referrer=” or “ref=” tag. This is how the owners know who to pay for the sale of any product.

Calculating affiliate program commission.

There are 2 kinds of products you can market via affiliate marketing: physical and digital.

The commission on a physical product is less than that on a digital product.

It is not surprising to see an 40% and above commission for a mobile app, while a physical product will bring in something around 5% or lower.

Why? Digital products require no storage or logistics, physical products do.

What to look out for when selecting an affiliate program.

When selecting an affiliate program, be careful not to jump on every program you see.  Like with everything under the sky, not all that glitters are gold.

I have put together a list of factors to take into consideration when you want to select an affiliate program.

Cookie lifetime

Who knew cookies will be a determining factor? I am talking about the referral cookie lifetime. The referral cookie time is the time window from the first click to the purchase of the item.

In the case of affiliate marketing programs, the longer the better.

Some sites have only 24 hours windows, some have 7 days, while some have 60 days. The cookie window is a serious criterion for judging or ranking an affiliate program

The size of a market

 It is easy to judge an affiliate program by looking at the size of the market, but no. Experience has shown that it is about the number of niches you can own in that particular market and the number of competition (low competition is good) in those markets. Talking about competition…

The competition.

While we love a good competition and competition is an indicator of a good market, sometimes too much competition might not be such a good thing. Every affiliate marketer is rushing into a particular market? then maybe you should reconsider.

Criteria for acceptance into the program

Some companies impose strict regulations for accepting affiliate marketers into their affiliate programs. There are some websites that accept everyone as long as your website relates to their product or service.

The commission

The commission is perhaps the most important criteria when selecting an affiliate program. You need to understand how the programs operate when it comes to commission. Some use percentage and others use a fixed commission. It is better you carry out proper research before signing up for a program. While some companies might have a generous commission, the percentage getting to you might be calculated based on what the site is earning instead of the company’s commission. A 40% commission can turn to 5% if that is what the affiliate program site is earning.

How do they handle payout?

While companies generally payout on a monthly basis, some companies that pay out more often than once in a month.

Although, some companies will want you to earn up to a specific amount before you can cash out.

Product type

Here is a simple truth, digital products and products that sell for a lot of money will attract high commission, so, yes, the kind of product the company sells is also a criterion.

Now that we know some of the important criteria to look out for when choosing an affiliate program, how about we find out which of these programs are the best affiliate programs.

Ready? Lets go.

The best affiliate programs for beginners.

New to the whole affiliate marketing business and do not know where to start ?

Here are some of the pretty good affiliate programs , based on the criteria  shared above.

CJ Affiliate.

CJ Affiliate is like an affiliate market place where you go to find offers from different vendors. They make out a list of best affiliate programs. The site has a 400- days cookies lifetime which is great (remember the cookie lifetime rule). CJ Affiliate partners with other platforms. This partnership might affect their cookie lifetime.

Although they are not the easiest platform to start with, but they have a lot of interesting offers that will help you grow.


Coursera is a recognizable brand which makes it easy to promote. With a 32.5% commission and a 30-days cookie lifetime, this is a great place to start as a beginner.

Amazon Associates.

If Amazon associates had a longer cookies lifetime, they might have been the very best affiliate program. What makes them a great choice for a beginner however is the number of offers available coupled with a great UI. They might still take best affiliate program spot.


Clickbank makes my list of best affiliate programs for beginners because

  1. Their payout is twice a month, which is great because the money is needed.
  2. It sells digital products and this makes it have a reasonably high commission of 40%.
  3.  The 40% commission is as a percentage of what calculated not as a percentage of the offer owner’s revenue rather than a percentage of what Click bank earns, which is quite small.

 I, however, have a bit of problem with their UI, but luckily, they have a lot of tools that can help a beginner navigate the site.

I recommend dating affiliate programs because they are quite easy to market. You have no need for technical terms. also has a great commission rate but sadly has only a 24-hour cookie lifetime.

The best affiliate programs generally.

This list below is not based on ranking. I have pulled in affiliate programs from travel, dating, education, web hosting and the likes. The whole idea is to give you options of great affiliate programs. The criteria used for selecting these affiliate programs are the ones listed above.

Travelpayouts travel affiliate program

 This is the crème de la crème of affiliate programs. Travelpayout works with numerous brand and they have a 30-days cookie lifetime. Brilliant!

Cupid media dating affiliate program

With an above-average commission and cookie lifetime, Cupid media makes the list because they run a lot of niche dating service. The more the niches, the more options you get.

Razer Gaming Affiliate Program

Even with a 5% commission, Razer offers a great affiliate program, why? The gaming industry sells some pretty expensive accessories. 5% of something expensive is something tangible. This is where the product criterion comes in, even with small commissions, tech products still command some neat sums.

Airbnb Travel Affiliate Program

The Airbnb affiliate program would have been amazing if they didn’t have the rule. Yes, the rule that says you need to have at least 1 million monthly visitors to be a part of the Airbnb affiliate program.

This is the big leagues.

Shareasale. Category: E-commerce affiliate program

Sharesale’s affiliate program will give CJ affiliates a run for their money, but CJ affiliates left them behind with their long cookie lifetime. Oh well, something has to make you number one.

Alienware gaming affiliate program

For this company, I only have one phrase: expensive game wares. Although they only give a 4% commission, 4% of really expensive game ware is a lot.

Udemy education affiliate program

Despite being lower than Coursera’s 32.5%, Udemy has lots of courses that make their 20% commission worth it. The sheer number of courses means that you have the opportunity to make sales. travel affiliate program Great opportunities, an okay commission, really really terrible cookie lifetime. The cookie lifetime ends once you close the browser.

Skillshare education affiliate programs

Skillshare works with a fixed commission of $10 per sign up. A large number of courses available on skillshare makes it a reasonable affiliate program.

Hootsuite social media affiliate programs

Hootsuite affiliate program has a 15% commission with no payment threshold. this means you can withdraw your earnings at any time.

There are so many other affiliate programs out there, but I have selected these ones based on the criteria listed above and honestly, we cannot exhaust all the affiliate programs available.

Join our channel on Telegram to receive an instant update on more posts on affiliate marketing.

10 Uncovered Ways To Make Instant Money Online Absolutely Free To PayPal

Who would not want to make instant money online absolutely free? I do, and I am, and I am sure you do too.

Over the years, I have come to realize that’s a lot of persons do not know that there are so many ways to make instant money online, some of them do not know they can legitimately make money online.

In a lot of countries, the rate of unemployment is alarming, and the government is either overwhelmed or simply do not care. A smart person knows better than to wait for the government for a job.

One of the goals of is to teach people how to make money online daily, legitimately. Even if you have a well-paying job, extra cash from side gigs is always a welcomed development, and there is something about making money instantly online that makes it a cool side gig.

Whatever your situation is, this article is really for everyone.

No matter how much money a person has, the thought of absolutely free money appeals to everyone. It appeals to me. That is why I am always on the lookout for tested and proven ways of making instant money online.

Making Instant Money

Who else has the image of a genie or a magician clicking their finger and providing money when they here “instant money”?

Yes, I get it, but this is not some sort of abracadabra.

Disclaimer: This article is not some easy-go-lucky –snap-of-the-finger money-making scheme. No, you will put in the work, and you will make some money. This is not a get rich quick scheme either. It is some cool ways to make some cool cash.

What will you learn from this article?

  • How to discover and build a steady source of income online to PayPal
  • What not to do to make money
  • Ways you can make money almost passively
  • Quick ways to make money
  • And more.

Looking interesting right?

Then keep reading

How to Make Instant Money Online Free

When I decided to take a break from my 9-5 job and focus on my business, the one confidence I had was that I knew how to make money online. There are so many options available. Some are instant, some are easy, some take time to build and some can be made into careers.

Whatever category of making money online you are looking for there is an answer for you.

I have selected my top 10 tips on how to make instant money online absolutely free, and if you do not have a PayPal account you will have to set one up to utilize these money-making gigs.

1.Get paid to air your opinion.

Imagine somebody paying you to tell them what you think? Paid surveys is one quick way to make instant money online absolutely free.

Once you sign up to be a survey taker, you are constantly asked to take surveys. You can make as much as $35 dollars daily from taking surveys that will not take up to 2 hours of your day.

There are companies that are willing to pay you to know what you think about their products or service. Survey sites help these companies carry out these surveys.

2.Get paid to use your phone

One of the tricks I have stumbled on online is getting paid for doing things you will regularly do with your phone.

Sites like Swagbucks will pay you to use your phone for just about anything you normally do.

Swagbucks is one of the free money apps to make money online absolutely free. It is also a survey app.

Imagine lying on the couch (which a lot of us have mastered in the lockdown), and making instant money using your phone. You also get paid for referring your friends.

Now, who doesn’t love getting paid for doing what they normally do with their phones?

3. Get paid for searching the web gives you rewards anytime you use Google, Bing, Yahoo, Amazon and eBay to search online. all you have to do is to install an add-on to your browser, and every time you search online, there may be a few sponsored results that come along with your normal search. Each results has a cash reward attached, and you simply click on it to claim your reward. The best thing is there is no minimum amount to cashout

4.Get paid to test apps and websites.

Imagine making instant money for free for testing applications and websites before the general public gets to see them. How cool is that?

Websites and mobile applications are released every day. Some of these companies like to have users test their websites or application and give real-time feedback.

Some websites are focused on helping other sites and applications to test their products. One of such sites is is a platform that pays people to test and review different kinds of websites. It doesn’t take time to review a site, and it pays about $10 per site.

5.Get paid to do virtual chores

You don’t have to be an assistant or have prior experience to become a virtual assistant. Every day, people are on the lookout for remote assistance. The chores can range from carrying a mini-research to typing out a document or helping with online booking.

Most of the times, these chores are mini ones, but they pay okay. You can actually use this to build a long term virtual assistant career. I recommend this as one of the best ways to make instant money online absolutely free. Amazon’s Mechanical Turk platform is one place where you can find and carry out micro chores in little or no time.

6.Text Links

Text links works for the person who has an existing website with decent traffic. There are companies that are willing to pay up to $200 for you to create a link to their website from your posts.

It is quite simple. You can approach the companies and propose the idea of you linking their website in your posts and make absolutely free money.

Word of caution, though, selling of text links is against Google rules and regulations. Continuous practice of text linking will cause your website to tank over time. This is not something you should do for a long time. Getting greedy and overdoing will cost you seriously.


Ever thought of coaching? Coaching is a great way to make instant money online absolutely free, especially if you are an expert in a particular field.

Not sure if you are coach material?

Answer these questions. Do you have a specific field you are interested in and have expert knowledge? Are the people around you always trying to pick your brains on a particular topic? Do you find yourself giving people free consultations that solve their problems? Do you like teaching in any way? If you answer yes to one or more of these questions, then coaching is for you. With your expert knowledge, you can charge people for coaching time. Sites like FlexJobs also lists some coaching gigs. Spice things up by teaching short courses on Udemy:

8.Manage social media for clients.

Do you have a knack for getting people to follow you on social media? Then all you need is an understanding of how Facebook ads and SEO works and begin to do them for clients.

This is a good way to make instant money online absolutely free. Manage social media. Run Facebook ads and other paid ads on YouTube or Google. Do SEO

People are willing to pay you a cut of their ad budget if you have quick conversion rate. This is something you can learn and become really good at.

9.Sell digital products

Are you creative? Do you find beautiful ways of writing simple things like a menu? Digital products are cool ways of making instant money online absolutely free. You can create stunning designs and use sites like Esty to sell your designs. The design can be for anything and should be printable. Customers will buy the designs and print them by themselves.


You can earn money instantly online from your couch working as a click worker.

The entire concept of is the theory of internet crowdsourcing. With internet crowdsourcing, businesses will put out adverts for tasks they need to be completed. These tasks are specific, scalable tasks, and the businesses that post the ads need the tasks to be completed within a set time. This particular option is great for making money instantly online absolutely free because it doesn’t take time, can be done from the comfort of your couch, and it pays okay also.

You are presented with a variety of tasks to complete. When you sign up and do a task,you get paid cash via paypal.

There are data entry tasks data entry, web research or form filling. You decide the kind of tasks you want to handle.

The internet is a very vast place of any number of jobs. Anyone who is looking for a way to  make money instantly absolutely free with the internet.

Some of these tips I have shared can become full-time gigs over time. The secret to making money online is consistency. Keep doing it and getting better. Earn better.

How to Make Money Online Without Paying Anything (28 Work from Home Jobs in 2020)

With the current global pandemic, there is no better time to discover how to make money online without paying anything. The problem a lot of people have is that most of the common ways to make money online require a bit of investment or a lot of time.

I recently left an average paying job (yes, in this pandemic), why? The job was messing up my mental health.

While a lot of people will panic in this season and continue to stay on the job, eventually losing their sanity, I could afford to leave the job. Why?

Over the years, I have curated skills and ways to make money from home, some of which cost me nothing and took little time from me.

I believe I am in a good position to answer the question “how to make money online without paying anything”.

How to Make Money Online

How to make money online without paying anything

Take a few minutes to read and digest this article. If you are an avid reader of, you will know that we share legit tips on how to make money online daily. These are tested and true tips.

Every business requires a form of investment, and it can either be time or money or both. Not everyone has money to invest in businesses, and to be honest, you came here to discover ways to make money without spending.

I agree, the general idea sounds ridiculous and is almost Ponzi-like in nature but… hold on.

Over the years, people have made money online doing a series of activities ranging from affiliate market to freelancing.They figured out how to make money online without paying anything

On one end of the spectrum are freelancing gigs that require you to have some skills, like programming skills, web or graphics design and writing skills. On the other end are Virtual assistant jobs and affiliate marketing gigs. Some of these jobs require you to have basic writing, communication and marketing skills

Apart from myself, there are thousands of success stories of persons who have made money working from home and some of them did this without paying anything.

Statistics show that in 2019, 31% of freelancers were earning over $75,000 per annum and that if they need to, a quarter of freelancers can get a job in 24 hours!

Imagine that! So yes, it is possible to earn money online without paying anything

Now that you know all this, are you ready to learn how to make money online without paying anything or you still want to lie in bed?

28 tips on how to make money online without paying anything

I have already established that business requires investment: Money or Time or both. In the absence of money, time is a good way to make an investment, and it pays overtime. I have curated 28 ways on how to make money online without paying anything. Some of these options can serve you long term, and some of them are just for short term purpose.

Note that it will be a whole lot easier for you to find jobs online if you have some skills, but the good news is that you can learn a lot of skills online for free, so buckle up! A lot of these skills have a short to medium learning curve and pay pretty okay. The beautiful thing about skills is that you learn on the job. Let us say you start today, in 6 months times, you would have become almost an expert in whatever skill you choose to pick up today, and you will have been making money online while you were improving.

1. Freelance content writer

Freelance writing is perhaps one of the most popular freelancing gigs. It is a great way to earn money online. You can get writing jobs on freelancing sites like Upwork, Fiverr, Guru, and others. Although some of these sites are a bit tricky to get jobs from for a beginner, there several resources that will help you boost your chances of landing your first job.

This is one short term online money making job that can grow to become long term.

2. Graphics designer

Like freelance writing, you can make money online as a graphics designer. Upwork is also a great place to get gigs as a graphics designer. What if you do not have the skills but will like to learn? There are sites where you can get free training in graphics design.

3. Web/App designer

One great aspect of having any tech related skill is that for the most part ,you can work from anywhere. The quickest way to build a portfolio and get more jobs on places like Upwork is to deliver excellent jobs. The more great jobs you turn in ,the more recommendations you get. Again, you might have no tech or web designing skills, mobile application designs a fast-rising niche. A lot of Small businesses want to develop Mobile apps for their businesses or ideas. You can learn how to develop mobiles with or without coding. Places like Udemy, Cousera and Allison offer free online training for Mobile app development.

4. Print -on-Demand business

A Print-On-Demand (POD) business is a great way to make money especially if you are creative. It requires no initial investment and you do not have to keep inventory. This business requires you to have a website where you can sell whatever you design. The popular POD items are T-shirts and accessories.

To start , you can sign up for a POD service, utilize their tools to design the items you wish to sell and upload the items to the website you will be selling from.

When people place orders for your design, the service prints the order and ships it to the customer. They charge the customer and give you your share. Sites like Zazzle, Redbubble, Sunfrog and Printful give upcoming POD business a better chance of making some money.

5. Virtual assistant

In this day and age where remote work is becoming the norm, it is not strange to see a core Administrative role like the assistant role going remote also. As a virtual assistant, you will be helping business owners handle a bunch of administrative jobs so that they can focus on the business. Anyone with a couple of hours a day to spare can take up this job. The learning time for this job is short and if you have prior experience in such a role, the better for you. You can find virtual assistant roles in most freelancing sites.

The tasks you will carry out as a Virtual assistant are regular secretarial tasks. There is a chance of turning this into a long term gig.

6. Online tutor

You can make money teaching kids and even adults online. You can teach the English Language to kids from non-English speaking countries. Almost every online tutor site will ask you to take some form of an exam or go through an assessment to prove that you are proficient in the subject you want to tutor. Teaching English to persons from non-English speaking countries is one of the easiest online tutoring jobs. You may, however, need to submit some form of proficiency in English certificates such as IELTS or TOFEL.

You can find online tutoring jobs in sites like Preply and Classgap.

This is actually a fun job that takes about 2 hours of your day and if you love teaching, then this job is a bonus.

7. Freelance Researcher

You love web surfing and spending time online. You know how to dig for information online and probably know how to find almost anything online, then you should jump on this.

There are people who will pay you to help themcarry out research on a topic or an entire project.

Like with most freelance jobs, getting started can be a bit slow, but as you continue to grow, your reputation grows also and so does your earning power .

Your University project was a good training for research, so you could leverage that experience to get your first research job. Check out most of the freelancing sites I have posted earlier for jobs in this field.


Being Bi-Lingual or Multi-Lingual can actuall be good for more than impressing people or navigating a foreign country.

You could work as a freelance translator and even help foreign students fine-tune their use of the English language faster. There are a lot of sites where you can find online translation jobs based on the language you speak fluently.

9. Affiliate marketing

Being an affiliate marketer, you are basically promoting third-party products for a commission on every sale. This is one of the popular ways to make money online and like all the other options, this one requires no form of financial investment, just time and a bit of sales pitch, after all, you have to sell to make money. There are several ways to carry out affiliate marketing.

You can signup for affiliate programs with sites like Jumia and GetResponse. In affiliate marketing, you promote the products or services on your website or social media pages by writing reviews about them, getting traffic and making sales.

10. E-commerce

Do not let the name fool you, every form of buying and selling that is done using the internet is E-commerce. That being said, you can make money online, by selling your products online. Generally, E-commerce is done using websites or landing pages like Shopify, but since we are trying to not spend any money here, why not start with your social media pages?

Whatsapp statuses have turned out to be great E-commerce pages.

What if you do not have something to sell? Check no 9. You can sell somebody’s product and make money from it.

11. Blogging

Technically, monetizing a blog can only happen when your blog is no longer hosted on a free platfor.

PS: Blogging is a long term investment.

Despite the snags in completely monetizing a free blog, you can actually start and grow a successful blog, earn money from sponsored ads, then proceed to make your blog premium, Yes free is good, but premium is better.

Setting up a blog and building it into a suucessful platform with enough trafi to attract sponsored Ads takes timeHowever, when done properly, it is a great way to earn money online for a long time.

There are some things you will need to do to run a successful blog

  • Research and choose a niche
  • Identify your audience and their needs.
  • What questions does your audience have
  • Find the answers to their questions and use them to publish quality questions
  • Consistency is key. Ensure your content and the quality is consistent
  • Ensure your content is optimized for search engine
  • Create backlinks to your blog.

When your blog is ready to go premium, there are several ways to monetize it.

12. Guest Blogger

You may not have the time or patience it takes to build a successful blog,but there is another way to earn money from blogging. You can write for other blogs as a professional guest writer. Blogs are always looking for back links to help boost the blog’s ranking , so there is really no shortage of blogs to write for .

13. Social media manager

You might already be spending a lot of of time on social media so why not make money from it? Helping businesses to manage their social media account, generate content calendar and content, drive traffic to the social media page is an easy money-free way to earn money online.

14. Paid surveys

You can find paid survey jobs on sites like Vindale Research InboxDollars, Swagbucks, Ysense, and SurveySavvy.

The best way to earn good money with surveys is to make sure you sign up for as many survey sites as possible that way you can get more invites.

While so many persons complain of not making a fortune from paid surveys, it would serve you well to know that companies still pay thousands of dollars to get reviews of their product as it is a crucial part in the product development cycle.

But the secret is that they won’t put it out to the public so as to avoid spammers getting reviews from bots instead of humans. So they have a list of people in the survey industry and are actively sending out offers to them.

If you want to join Jackson’s list to receive high paying surveys update directly to your mail? Join Jackson survey’s list here

15. Publish and sell E-books on Amazon-KDP

A lot of persons have made lots of money from selling their E-books using Amazon’s KDP. With Amazon KDP, anyone can become a self-published Author and sell their E-books online.

That idea, that story you have in mind, it is time to write it. The one advantage you can count on when it comes to using Amazon to self-publish your E-book is the traffic. Self-published authors on Amazon make money from the volume of their sales as their prices are low.

16. YouTube

When it comes to making money online with YouTube, you have to be consistent and deliberate about it. The difference between those who make enough money from YouTube to make it a full-time career and those who don’t is the determination put into it.

Setting up a YouTube channel is the easiest part. The quickest way to gain subscribers and drive traffic is to become an expert in a particular niche and be consistent with your content quality.

You make money on YouTube from ads and through affiliate marketing

Get the best all time performing product on Clickbank to promote today and start earning in commission now! Click here to get now!

17. Social Media Influencer

Social media influencers utilize their large following to advertise products and services. It is a form of affiliate marketing hosted on social media platforms. As an influencer, you influence your followers to shop a particular product by reviewing them on your social media pages.

A lot of times, the Influencer has a code that is used to place orders with the vendor. Influencers make money in different ways. They either get paid directly to advertise the products on their page or like with affiliate marketing, they get paid a certain commission on each sale

To be a social media influencer, you need to have a large number of followers and know how to engage them.

18. Transcriber

Transcribing is one freelancing niche a lot of persons have not tapped into.
It is understandable because people generally think writing and design when they hear freelancing.
However, if you are a good listener and you type fast, making money on places like Transcribeme is pretty easy.
The learning time is short and this is one gig that can grow into a long term thing.

19. Teach short courses on Udemy.

Yes, that’s right.
You may have used Udemy as a resource for learning, but you can also use it as a resource for making money online.
Udemy has a lot of categories where you can teach short courses based on your skill and make some money out of it.
You can check out the categories available on Udemy.

20. Gaming.

Who would have ever thought that the time spent in playing video games will turn into a lucrative business idea, one that can be converted to long term?

You can turn your hobby into a real decent cash cow.

Simply stream your games live on Twitch, YouTube or Facebook Gaming and get paid via donations from your viewers and advertising revenue.

Twitch is the world’s most popular video game live streaming service, a Twitch gamer can make $250-$300 per 100 subscribers. Facebook Gaming growing fast as well.

21. Sell videos and Photographs online

Phone photography is fast becoming a thing. People have started using their smartphones to create incredible images.
Do you have a knack for taking amazing pictures with your phone or camera? You can list your photographs on Shutterstock and Adobe Stock and make money from them.

22. Sell your creative arts online

Perhaps you are not a photography person, your niche is in creative arts.
There is a market for you.
Over the years Etsy has given creative artistes not only a way to make money online from selling their arts but also provided a community of support for them.
However, to list a product on Etsy cost 20 cents, hopefully, that is not too much.

23. Dropshipping

I especially love E-Commerce dropshipping because it requires no investment and no form of inventory.
How does it work?.
You simply create a website with the product listing of the products you will like to sell. Again, social media pages can suffice for this.
You will then source for the products after you have gotten the order from the customer.

24. Testing Apps and websites

Every day, thousands of new websites and apps are launched. One of the phases of product development is beta testing. It allows the product developers to know where to make improvement on usability and user interface.
You can make some cool money on the side, helping to test websites and apps for a couple of hours each day.
One of the most popular sites for this is User Testing.
You can also check out Tester Work.

25. Become a consultant

Who says your work experience can’t get you something extra on the side?

Depends on what they mean, you can trade your work experience for some cool cash by setting up an online consultancy business. With no degree or title!

You will be simply helping your audience solve problems based on your area of experience.

26. Editor/Proofreader

Like a freelance writer, you can get a paying gig as an editor. Almost every freelancing site has Editing gigs.
You have to be proficient in the language, understand grammar and be well detailed.
Some sites have in house qualification assessment you have to go through to make you eligible to take on editing gig.
The start off might be slow, but with good reviews, you begin to grow, so make your first impressions count! You may check our post about fiverr to see how get customers while working as an Editor/Proofreader from home.

27. Start and grow an authority affiliate site.

This is slightly different from affiliate marketing in the sense that it takes a while to build , but it is a long term investment .

What is an authority site?
It is literally a blog that focuses on a particular niche and creates contents to cover every angle of that niche or topic.
It is a long-term site that has contents tailor suited to the needs of its audience’s problems. You gain your audience’s trust by answering their questions. Then you begin to market products that solve such problems to them.
The average time needed to build such a business is about 2 years, but once you do, the money comes in.

28.Other freelancing gigs

I cannot completely exhaust all the freelancing options that are available to you, But if you visit sites like Upwork, Guru, Fiverr and co, you will find some freelancing requests or offers that you might enjoy doing. Personally I always recommend freelancing gigs as one of my go-to tips on how to make money online without paying anything

  1. Skills
  2. Keep learning
  3. Keep searching.
  4. Build your portfolio

Are there any other legit ways you know how to make money online without paying anything?

Kindly leave a comment below, I will love to hear from you.

Category: make money online

Join our channel on Telegram to receive instant update on future posts

Payoneer wirecard ag insolvency: How does it affect IMERS?

Payoneer wirecard ag insolvency is the buzzing news on the internet especially within the Internet Marketers (IMERS) circle. So this is what you need to know and how it affect you, what you should be doing an alternative ways of wielding on this development…

Payoneer wirecard ag insolvency

On Thursday, 25th June 2020, Wirecard AG, a German payment processor, and financial services provider, listed on the Frankfurt Stock Exchange, filed for insolvency. This is due to a missing $2 Billion on-going scandal.

The massive accounting scandal has resulted in its now-former CEO Markus Braun being arrested. The repercussions from Wirecard AG’s crash has extended all over the globe.

Payoneer Prepaid Mastercard® Cards is issued by the German Company’s subsidiary, Wirecard Card Solutions Limited (WCSL), in the UK.

The United Kingdom’s Financial Conduct Authority (FCA), which oversees WCSL, decided to limit WCSLs activities to protect its customers. As a result, a temporary freeze on all prepaid card activities is in effect.

Wirecard UK is authorised and supervised by the UK’s FCA to provide payment services and issue e-money services like, issuing e-money onto prepaid cards.

The FCA has imposed some requirements on Wirecard UK including, that the firm:

  • Must not dispose any funds or assets
  • Must not carry on any regulated activities
  • Must issue a statement on its website and communicate to customers that it is no longer permitted to conduct any regulated activities.

What does this mean?

This means, until the FCA completes its investigation, all cards issued by Wirecard including your usual Payoneer cards will remain inactive. This could be seen as a welcome development even though it is coming as a news to Payoneer users.

It is not clear if Payoneer have at some point made this known to their customers that their cards was being issued by another company, this could probably have been included in Payoneer’s terms of service.

It is not clear whether this was at any point communicated to its customers.

But the reality is that your funds might be kept for so long the investigation last.

But the good news is that if you have customers who pay you with Payoneer, you don’t need to stop them as the any further inflow would go straight to your Payoneer balance, just like PayPal.

So Payoneer wirecard ag is not the end of business but a development that could be favorable or not depending on how you view it.

Any funds that are over the maximum balance of your card are held by Payoneer and are, as always, available for withdrawal. These funds are not affected by the FCA’s temporary freeze.

When will I be able to access my funds?

According to WCSL, they are working closely with the FCA to address their concerns so that this temporary freeze is lifted as soon as possible, and your card can resume its normal service to you. But when, is not something that we can predict!

What about the pending payments on my card?

Until your card is unfrozen, any pending payments will go to your Payoneer account, where they’ll land in your virtual currency balance and are withdrawable into your local bank account.

This also means, as an IMER in Nigeria, you may be using your usual means of sending your funds to your Nigerian bank. The only difference is that your withdrawal option is now short of one.

You can still send funds to exchangers or withdraw to your bank. What also you cannot do is to withdraw your funds with Transferwise.

When will my virtual balance be available?

Your virtual balance is already available. Log in to your Payoneer account to view it.

This means you can continue to receive payments from clients, platforms and marketplaces without an issue and withdraw these funds to your local bank account.

Please make sure that you have an approved bank account, in your name, linked with your virtual account.

How can I get paid during this period?

Any future payments that you receive from clients, platforms and marketplaces will not be affected by the freeze.

You can sign in to view your funds, and you can now add your bank account for withdrawal of your future incoming payments.

To read more in the words of Scott Galit, CEO of Payoneer, click here

Have you been affected by this? Luckily, I only received $100 credit into my card for a job, and it is something not disastrous, how much are you waiting to be cleared by Payoneer?

Let’s have your comment in the comment section. Also do not forget we are on Telegram, click here or join us with this link at

PayPal to Enable Buying and Selling of Bitcoin

Currently, Paypal can be used as an optional channel for the withdrawal of funds from exchanges like Coinbase, however this would be a first as regards offering direct sales of cryptocurrency

Can mail in voting send Trump out of White house? What is the crypto community saying?

According to CoinDesk, a well-place industry source offered his opinion. He said: “My understanding is that they are going to allow buys and sells of crypto directly from PayPal and Venmo.” Further commenting on the matter, he added that “They are going to have some sort of a built-in wallet functionality so you can store it there.”

The details of which or how much quantity of cryptocurrency to be available are still unclear. The industry source revealed that they expected PayPal would be collaborating with several exchanges to source liquidity.

Subsequently, another source affirmed that PayPal is looking to offer trading of crypto (buying and selling) and said the service could be launched within the next three months or less.

Although, PayPal has declined to issue a statement on the plans

San Francisco-based crypto trade Coinbase and Luxembourg-based Bitstamp were referenced as likely contenders by the sources. Both Coinbase and Bitstamp declined to remark.

It’s important to note that PayPal has an already established relationship with Coinbase, dating back as early as 2016. In 2018, Coinbase made instant fiat withdrawals to PayPal accessible for U.S. clients. Last year, European Coinbase clients could withdraw to their PayPal accounts, followed by Canadian clients.

Elsewhere, fintech applications that offer crypto are earning money. Square, the installments unicorn propelled by Twitter Chief Jack Dorsey, turned out bitcoin buys in its Cash App in mid-2018. Cash App registered $306 million in bitcoin income in its latest profit report.

London-based Revolut, which started offering crypto to clients following a 2017 alliance with Bitstamp, raised $500 million in February, rating the platform at $5.5 billion. Robinhood, the fintech application thought to driving the latest retail boom in equities day trading, first offered crypto in February 2018.

Crypto is increasingly perceived as an obvious means to boost client numbers on fintech applications and generate new income streams. Indeed, Dan Schulman, CEO of PayPal has reinforced his plan this year is to aggressively monetize Venmo, which has more than 52 million accounts.

Recruitment push

Some tine at the start of 2020, PayPal posted job openings to upgrade its new Blockchain Research Group. PayPal posted eight engineering positions: four in San Jose and four in Singapore.

bitcoin exchange with paypal

Following PayPal’s brief dalliance with the Facebook-led Libra project a year ago, the attention currently is extending its payment expertise, according to one of the sources.

In a meeting with CoinDesk early in the year, the Chief Technology Officer of PayPal, Sri Shivananda said the company needed its own “perspective and view on [block chain] technology itself to see how it can help us contribute to the concept of creating an open digital payments platform that can serve everyone.” 

Shivananda said he couldn’t comment on any of the Fintech giant’s specific plans.

“We are a strong believer in the potential of blockchain. The digitization of currency is only a matter of when not if,” Shivananda stated.

How to Buy and Sell Perfect Money on Truexgold.Com

If you have been looking for ways to buy buy perfect money with credit card or sell perfect money for Naira on Truexgold, this guide will walk you through.

We will first walk you through what perfect money is, what is Truexgold and why you should use it to exchange your perfect money.

Also in this post is the step by step process of starting and finishing your trade on Truexgold.

how to buy and sell perfect money on

What is Perfect Money?

Perfect Money is among the leading financial service, which allows its users to make instant payments and securely transfer funds through the internet.

This opens up unique opportunities to Internet users and e-business owners alike. Perfect Money target is to bring the transactions on the internet to the ideal level!

Perfect Money offers unique features for personal and business accounts. The Perfect Money payment system allows its users to do the following:

  • They can transfer money between members.
  • They can receive payments from a variety of business projects online.
  • They can make regular payment transactions online.
  • Perfect Money users can securely store money on electronic accounts and earn monthly interests.
  • Complete payment order for goods and services in online marketplaces.
  • They can purchase USD, EUR, gold, and cryptocurrencies like bitcoin.

Who is TruexGOLD?

It’s no secret that TruexGOLD is among the verified and most reputable online e-currency exchange business available in Nigeria.

They are specialists in different e-currencies exchanges including

  • Perfect Money,
  • Advcash,
  • Bitcoin,
  • Ethereum,
  • Dash,
  • Planetofbets,
  • Litecoin,
  • Monero,
  • Ripples,
  • Payeer,
  • zcash,
  • OkPay, and other digital and cryptocurrencies. 

In line with enhancing transparency on their website during transactions, the TruexGOLD team ensures that any orders placed for Perfect Money or any other currencies are completed between five to ten minutes of placement. 

Investing wisely in Perfect Money with TruexGOLD can earn you some significant fortune in future. Considering the future of Perfect Money is bright, below is how to buy and sell Perfect Money on TruexGOLD and grow your investment

How to buy and sell Perfect Money on TruexGOLD

Join TruexGOLD

This is the first step to begin any transaction on TruexGold, and their Perfect Money Platform is no different. Go to the website on truexgold(dot)com.

Once on the website, click on “Sign up” located on the top left of the website. 

how to buy and sell perfect money on

This will promptly display a dialogue box requesting for basic sign up details including your preferred username, valid email address, and password.

You will also notice an arithmetic verification question below which must be answered to proceed.  Also, remember to tick the “I have read the term and condition” box. Click on the “SIGN UP” button.

*Ensure you read their terms and condition document before signing up to keep yourself updated of all legal obligations binding on all parties.

how to buy and sell perfect money on

When you have successfully registered, a verification link will be sent to the email entered. Please go to your email address and verify your account.

The verification email is often sent to the spam folder, locate it and endeavour to whitelist the sender to ensure you get notified of further emails from them.

After verifying your account, update your profile on TruexGOLD website, and the account is ready for a transaction.

Buy and Sell Perfect Money With Credit Card

For you to access all the features of TruexGOLD including buying and selling perfect money with credit card, sending and receiving, increased transaction limits, etc.

You have to upload a valid ID and a utility bill to confirm your identification.

The exchange rate for Perfect Money on TruexGOLD at the time of writing this article is quite impressive. See image below.

perfect money with credit card

To buy Perfect Money on TruexGOLD, go to the TruexGOLD home page, or you can click on the TruexGOLD logo located on the top right of your screen.

On the home page, click on Perfect Money and find the panel box at the centre of the page that looks like this:

perfect money with credit card

Clicking on the naira sign will take you to a landing page where you will enter the Perfect Money amount that you want to buy.

perfect money with credit card

When you have filled in the required fields, scroll down and click on the “EXCHANGE” button to process your transaction.

Similarly, to sell Perfect Money on TruexGOLD, go to the TruexGOLD home page, or you can click on the TruexGOLD logo located on the top right of your screen.

On the home page, click on Perfect Money and find the panel box on the page as seen in the buy feature above.

Clicking on the naira sign will take you to a landing page where you will enter the Perfect Money amount that you want to sell.

Fill in the required fields, scroll down to the end of the page and click on the “EXCHANGE” button to process your transaction.

*Ensure that all account fields are entered correctly to prevent loss of your funds.

how to buy and sell perfect money with truexgold

That’s all. I hope you understand how to buy and sell your Perfect Money now.

If you have any questions about TruexGOLD, their customer service is on ground 8 am – 5 pm on working days and 9 am – 4 pm on Saturdays to attend to all your queries promptly.

How to integrate credit card payment on website

If you run an eCommerce store, one of the major things you have to figure out before hand is how to receive payments. To figure this out, you should know how to integrate credit card payment on website and how to accept credit card payments online.

how to integrate credit card payment on website

To achieve this you need to know the difference between a payment gateway and a merchant account. For example, in Africa, a payment gateway could mean Paystack and a merchant account could mean your business or personal bank account that enables you to receive payment from Paystack.

This is same for others, in Europe or the US for example, PayPal is the prevalent payment gateway and owning a PayPal account is your merchant account. There are also other payment processors or gateways such as VoguePay, Stripe, see Top 10 Payment Processors in the world.

What does a payment gateway help you do?

What these payment processors or gateway help you do is to receive payments on your behalf.

Some payment processors have a merchant account option while others doesn’t. The later simply help you receive a range of payments from other processors, and this is where Paystack is at the moment, as there is really no Paystack to Paystack payment like we have in Paypal or Stripe.

Sometimes such formalities doesn’t matter much, especially when there is an option for bank withdrawals. Many of the reasons people transport money from one paypal account to the other is simply because they cannot withdraw such funds directly to their bank account

So they rather utilize the service of a PayPal exchanger to convert their money from USD to NGN. This has been a pain in the ass of online marketers and eCommerce service agents or companies domiciled in developing economies.

Functions of Payment Gateways

To appreciate the beauty of having to know how to integrate credit card payment on website, you need to properly understand the functions of payment gateways in order to dig right with the most suitable payment processor for your store.

The major functions of payment gateways is to help you bypass the rigors of having always to discuss payment options with your customers.

Just imagine a store like Aliexpress, not having a range of payment options for customers. Each time you go on their site to make purchase as a Nigerian for example, you would need to email the seller and ask for how you can make payment.

Or assuming they already stated that you pay them with Yuan for example, how do you convert your Naira to Yuan?

Maybe you get to your bank and ask for Yuan from their forex department and you know what will become of you?

Apart from the slow bank process and red tape, you will pay higher than the market rate and most of it is that you may likely dump the idea of purchasing that product.

This is how to see it as a seller. Most people will abandon their cart when they don’t see a payment method they are familiar with.

But with a payment Gateway like VoguePay integrated in your website, you necessarily doesnt have to own a Yuan account or a USD account and not even a Euro account but you have these options displayed to buyers each time they want to checkout their cart from your store.

That is the power of payment gateways and how they work.

It is also good to understand that these gateways go on an individual agreement with these payment processors companies. For example, VoguePay could have an individual agreement with Mastercard, Visa, Alipay, PayPal and the rest.

That is why not all payment processors is available to all regions.

Paypal for example is not available to some countries, meaning to integrate Paypal on your website, you may need to do that on an individual level, maybe by implementing the PayPal code on your website after you must have signup on PayPal.

This can be hard for developing countries, nevertheless a step is to open a PayPal account and you can get that sorted here.


To integrate integrate credit card payment on your website, you need to follow certain steps depending on if you are using a payment gateway or integrating your merchant account directly on your website.

Commonly used is a payment gateway such as WooCommerce, Shopify, VoguePay etc. And if you want to know about how to integrate your merchant account directly to your website, you may need to see the documentation of each of the merchant account you want to integrate

how to accept credit card payments online

One thing is that if you are not a developer, you may find content in those links offensive and more reasons to procrastinate starting your eCommerce store.

The Process

To use a payment gateway such as Woocommerce, all you need is to install the Woocommerce plugin in your website and an addon for the specific payment processor you want to use.

If you are running your eCommerce store on WordPress, you will need this WooCommerce plugin and the payment processor plugin that is compatible with WooCommerce such as this VoguePay Plugin for WooCommerce.

Also Read: How to withdraw from PayPal in Nigeria

Let’s Get Started

Choosing the best ways to integrate and accept credit card payments on your website can be quite overwhelming when setting it up. This is the lifeblood of every e-commerce operation and an essential cost for consideration when selling online. If your website is not fully optimized to take online payments, then you have no business. Before checking out credit card integration processes, here are a few things to know.

  • Over one-third of consumers hesitate to buy online due to security concerns.
  • Average businesses lose 5% of annual revenues to fraud, while 50% of small businesses are fraud victims at some point in their business lifecycle.
  • Your businesses’ international expansion can depend on your choice of credit card processor. Common questions arising include – Do international buyers trust your chosen solution? Does that solution work cross-borders?

When you consider things like each provider’s fees and fine prints, including contract terms, you have a hugely complex decision to make. You need to analyze a myriad of factors and how each could affect your business. 

Ensure you do some comparison shopping before deciding on a solution to accept credit card payments. This article will assist you in setting up an online payment solution, providing all the required information you need to find the ideal match for your brand.

Types of Payment Processors

There are three payment processors: merchant account + payment gateway, all-in-one solutions, and simplified credit card processors. Below is an overview of each of them.

Merchant Account + Payment Gateway

The conventional method for accepting credit card payments has been to combine a merchant account and a payment gateway. SecureNet (USA), eWay (Australia and UK), and Authorize.Net (USA) are examples of providers within this category.

Merchant accounts are specialized types of business bank accounts that authorizes the user to accept online payments.

A payment gateway is an online tool that links your store and your merchant service account and responsible for facilitating the processing of payment transactions between the different parties involved, including your bank and the card issuer’s bank. In traditional terms, it is the digital equivalent of POS card swipe machines.

There are fees associated with both the merchant account and payment gateway. However, there are many options out there, with competitive transaction fees or no setup fees.

Payment gateways can also provide higher control over security rules and customization. This may be a better solution for bigger businesses seeking a more tailored solution.

When using a merchant account/payment gateway combination, you will need to apply for both. This usually requires filling out forms and providing a few financial information. Processing these applications span for a few days, so you won’t start accepting payments right away.  Once both applications are approved, you need to connect your merchant account to your gateway and your gateway to your store. This involves the configuration of your store with API keys, shared secrets, and tokens.

All-in-One Solutions

Online services like 2Checkout and PayPal combine a merchant account and payment gateway into a single solution, quickening the setup processes.

They allow you to accept payments from all major credit cards and while often offering favorable transaction rates. Additionally, most of these platforms have zero setup and monthly fees for basic accounts. However, monthly payment is required for added features on some services.

Initially, a potential downside was the lack of a seamless checkout experience. Customers were often redirected off your website to complete payments, depending on which solution you used. This has been fixed as services like PayPal powered by Braintree and One-Touch technology, allows businesses to decide what their customers’ checkout experience is like.

Simplified Credit Card Payment Processor

Payment services like Stripe fall into this category. They are more similar to all-in-one solutions. They are usually integrated seamlessly with your store’s checkout. This implies that shoppers are never redirected away from your website. They are also faster to set up, and you can start accepting various payment methods in minutes. Transaction rates are competitive, and most of them do not have set up and monthly fees.

One thing to constantly remember before choosing a simplified processor is that you won’t get the same level of traditional support compared to the other two payment processor types. However, they are very easy to use, so you may not need it. 

Top Questions You Should Ask a Payment Provider

To obtain the ideal online payment service integration for your website, here are some questions to ask providers to assist you with your decision making.

Are there different fees or rates associated with various types of cards?

Some payment services providers request different rates to process different types of card transactions, including personal, debit, reward, and business cards. There are also different charges associated with different transaction amounts. Make sure you are conscious of exactly how much you are charged per transaction type.

What rates or fees do you charge when I swipe credit cards, enter them manually (key-enter), or accept them online?

To compensate for the risk of fraud, processors charge different rates depending on how you process a payment. Because there is less fraud associated with cards that are physically swiped in a terminal (after all, you check IDs, right?), there is usually a lower rate. If someone calls you to buy something and gives you their phone number, the chance of foul play goes up a bit, as does the processing fee.

Online purchases have the highest incidence of fraud, so payment processors cover their risk by charging a higher rate. Make sure you know what those rates are and then figure out how much of each type of processing you’ll do to get a roughly blended rate.

how to accept credit card payments online

Do you charge a separate fee for your gateway?

It’s pretty common for processors to charge a separate fee for their payment gateway, usually on a per-transaction basis. So, in addition to the standard transaction fee –– say 2.9% + $0.30 –– you’ll pay a gateway fee for each transaction.

When I refund a transaction, do I get back any of the initial fees?

The majority of credit card processors keep all of the fees for return transactions, and may most likely request an additional fee to complete the refund process. This implies that you lose money every time a customer returns a product. Ensure you fully understand how this process works, as it would inform your return policy. Many merchants sidestep this cost by issuing store credit for a returned item, rather than a refund.

How to Become an e currency exchanger in Nigeria

To become an e currency exchanger in Nigeria or join the league of PayPal exchangers, you should have a PayPal account, a supply channel and a demand channel.

paypal exchangers

How to be an E currency Exchanger in Nigeria and Become a Millionaire in 6 Months

Are you done surfing the net and are ready to settle down with a no-brainer business model? One that can catapult you into the 6-figure realm in Nigeria? Then being an e currency exchanger in Nigeria or getting into the list of PayPal exchangers in Nigeria can be all you need right now!

The most unbelievable part of this business model is that you may only need to start with the same broke ass phone you are using to view this content right now!

That reads like not a requirement because you have it already, so I will let you some of the few lists you need to check to be sure you can succeed in this business without failing again.

  • Not been an occupational scammer before now,
  • Have a relatable and good online presence, and
  • Know people who travel often or have needs to access forex,

If your answer to the above is yes, then you can read along. Additionally, you must learn about freelancers because most of these freelancers do not have the patience to wait for long.

They are mostly transactional and will call you a scammer the next hour you keep them waiting for their funds. So, you must be responsive and truthful so they can trust you for further sales.

So, here is the 4 stages to become an e currency exchanger in Nigeria:

Become an e Currency Exchanger Step #1

The first step in becoming a PayPal exchanger is to own a functional PayPal account.  

I said in the intro that you obviously won’t need a dime to start this business but owing a PayPal account won’t hurt.

And depending on the country PayPal you are more comfortable with, you may be spending a little amount, let say #5000 preliminary, to get the setup done.

But it’s fine if you are not ready for PayPal drama, you can skip step #1

Become an e Currency Exchanger Step #2

You need to understand the PayPal supply and demand channels

Supply Channel

You should be able to place a bet always anytime your buyer needs certain amount of funds from you. Let’s say your commissioner friend whose child is in the UK studying, and he calls you one afternoon and say I need you to send $2,000 to my child for her upkeep.

This shouldn’t take you forever to fulfil such order. Remember you had talked him into getting consist supply from you whenever he has need for it.

You should get connected into the huge network of freelancers, Udemy course providers, programmers, and remote workers who usually get paid in dollar and via PayPal.

A handful of the black-market dollar influx into the country comes from PayPal. They’re the market leader in this industry and if you will make a fortune with e currency exchange in Nigeria, having a good PayPal supply will make the difference.

You can join the 1000nairadaily Telegram Group to get into some of these networks and our verified group for the ones we can provide information about.

There are other groups on Facebook and other social media platforms.

I have compiled a list of them and will provide them to you if you can confirm that you qualify for the following list:

  • Have an active and verifiable Facebook account
  • Have an active bank account number
  • You have no prior fraudulent profile
  • Can work with escrow until you establish yourself as a reputable exchanger

If you are YES to all the above, click here to get the compiled list of platforms and admin contact details to join their network of freelancers so you can buy funds.

Become a PayPal Exchanger Step #3

If you do not know so much rich people like me, you may need to put yourself out there to get attracted to people who are most likely to buy from you.

PayPal Demand

paypal exchangers, e currency exchanger in Nigeria

You may have seen something like the picture above somewhere on the internet. You can list your services that you buy and sell e currency such as PayPal and Bitcoin on Google Map.

Other medium you can use is posters and flyers, this is also not too expensive. There are people who specialize in pasting posters around areas, and they can help you with it also.

Using bulk SMS to target people within a certain income group is also a very effective way to market your e currency exchange business.

Dash into an MTN office and buy a list of numbers you would like to broadcast to. You can get a bulk SMS service at a very affordable fee of #1 or 50 kobos per SMS unit. That means less than N500 to 500 numbers.

It may not be cheaper than Facebook ads, but it is a very cool way to reach you target audience easily.

With a budget of 10,000 you should be securing your first 5 to 10 clients who will give you consistent e currency demand in Nigeria.

This same process can be applied in other countries like Ghana etc.

Become a PayPal Exchanger Step #4

Once you have secured your demand and supply side of e currency exchange, it is time for you to understand the peculiarity of the business.

Understanding PayPal

If you post in your freelancer network channel that you need PayPal funds, the following will be expected of you

  • The volume
  • The denomination (USD, Pounds, Euro etc)
  • Buying rate
  • Format (GnS or Fnf)
  • Must it be from PayPal balance?
  • Receiving country (US, UK, SA, KE, UAE etc)

So instead of saying,

“I need PayPal funds”,

you say,

“I need $500 FnF PayPal funds to US. My rate is #320/$, PayPal balance only. I pay once funds is confirmed.”

With the statement above, a seller already understands what you want. Let’s get into details on some of the points above.

The Volume:

This is the amount of PayPal funds that you need, is it $400, $500?

The denomination: This is the currency you need, USD, CAD, British Pounds, etc.

Buying rate

This is your exchange rate, PayPal exchange rate usually fall below every other channel because of the risk in keeping and operating a PayPal account from Nigeria.

So it’s only rational that the more risky a thing is, the more affordable it becomes in finance. Treasury bills are less risky investment portfolio and very affordable funding source for government.

On the other handing, investing in MBA Forex is very risky and returns pretty good amount to the investor. So viz a viz!

Payoneer for example is widely open for Nigerians and can withdraw directly to their bank account here in Nigeria.

It means, operating a payoneer account in Nigeria is less risky to PayPal. Payoneer is more like your UBA bank account in Nigeria, you do not get worried over your funds in the account. Or do you?

Assuming you don’t, that is the same situation with Payoneer and the more reason you are not likely to get Payoneer exchange for less than #350/$.

That’s assuming you find someone to buy from, for whatever strange reason.

Sending Format

Paypal has two sending format, the GnS (Goods and Service), and Fnf (Family and Friends).

Goods and services are supposed to be a PayPal option for those who have had a trade that warranty financial exchange.

The assumption with GnS payment is that the vendor sells either a physical or digital goods that require shipping.

Things every e Currency Exchanger in Nigeria should note while buying GnS PayPal Funds

To be on the safe side as an e currency exchanger in Nigeria, you should require your supplier to always tick that the goods have been received and in good condition.

By so doing, a future dispute by that same seller will be evitable.

This is one pain point most exchangers face, waking up to a dispute claim by your supplier after 3 to 4 months of fulfilling an order.

And for some that may run into millions, you don’t need a soothsayer to tell you that the village people hands are on your balls!

You may not have the privilege of asking this from your supplier as you start but you should ensure this is strictly adhered to as you progress in the business.

Pro Tip: Do not get into deals that you cannot bail out when issue arise, at least those you didn’t ask to do the above.

Do not make such a deal. Nevertheless, you may continue if you can always fart it out when you find yourself in the Red Sea!

GnS funds usually come with a variant small fee that is deducted from the receiver’s side.

You may also add this filter to your request or ads copy, that you pay what you receive or what they send etc.!

Family and Friends

As the name goes, it’s a PayPal money transportation feature that makes it affordable for people in the US and other supported countries to send feeless PayPal funds to their friends and families.

Tantamount this is not considered a business transaction by paypal that is why it is free of charge for US to US paypal and other supported countries.

However, sending with a FnF option from countries like say SA to the US, a fixed fee of $4.99 is usually deducted. Please see PayPal documentation on other variables!

Something crucial you should know when buying funds as FnF is that, it is not expected by paypal for there to be any dispute sending via this means.

That is if your supplier raises a charge back claim on a FnF paypal transaction, they are less likely to win the case than with a GnS transaction (the one that hadn’t click that they have received the item).

So many exchangers consider FnF a safer paypal option for them because it is cheap on their side and stress free, and safe!

However, there are exception, join the telegram group to learn from others.

Must it be from PayPal Balance:A supplier has two funding source option, from their paypal balance and from their Credit Card or bank balance. Why exchangers run away from any other funding source outside paypal balance is the complications.

If for any reason there is an issue with a paypal payment that originates from paypal balance, paypal has the full control of mediating and deciding who the claim favors after every other thing has been put into consideration.

But when it comes from a different channel like credit card or bank, it will take more than PayPal to resolve any issue. And sometimes out of the control of PayPal, and that will extend the complication with such claim and even render it impossible to be vindicated!

Receiving country

The receiving country is the country that your PayPal or that of your client (assuming you will send directly to him) is domiciled.

It’s necessary to specify this because not all client would want to receive payment from all countries, and not all supplier can send indiscriminately.

There are factors that influence this decision, like the sender’s country (is it possible to send as fnf?), and more other questions!

Getting into the league of Paypal exchangers should be easier now than you thought.

Right now, you should be a certified e currency exchanger in Nigeria if this was a certification course.

You can join our group on Telegram for a start, and if you would want a list of social groups that you can join to meet freelancers easily, click here.

PS: You will also need a Payoneer account to stock funds so you don’t have to go scampering for funds when your client needs them.

So click here to signup on Payoneer.

If you signup to Payoneer with my link you will get $25, and I will get the same also.

How to Receive PayPal payment to bank account in Nigeria 2020 without UBA Africard

How to receive PayPal payment to bank account in Nigeria 2020: is with a US PayPal and Nigerian Payoneer or a Mozambique PayPal with a Nigerian Dorm Account. I’ll Update Others As They Become Available.

As you know, there have been controversies around the UBA Africard limitation as to whether or not it’s working.

how to receive paypal payment to bank account in nigeria 2020 without UBA Africard Paypal

On a personal note, I haven’t confirmed if it’s working or not on my end but users on our Telegram group and subsequent complain I read online, suggest that the limitation on the card might last for a while.

While we keep our fingers crossed on UBA Africard PayPal, and waiting for the next big option to receive PayPal payment to a bank account in Nigeria 2020, I feel it would be necessary to expand on one of the options on how to withdraw from PayPal in Nigeria that I wrote last year.


It’s most likely not a new thing to you that everything process around operating a (without the .ng) account, which is totally useless; is not ethical and always against PayPal TOS.

So like other guides, this is just one quick hack around to save you the headache of having to settle for an exchanger.

Option 1 To Receive PayPal Payment to bank Account in Nigeria 2020 without UBA Africard PayPal:

👉👉US PayPal with Nigeria Payoneer Account👈👈

I get some comments about this that it isn’t working anymore, but this is usually from mischief-makers as this worked even as close as the previous week.

You can also use this process in the most ethical way as possible if you have someone in the US who trusts you enough to enable you to use their PayPal account or open one on your behalf for such purpose.

If you don’t, here is a go: find your way around a US PayPal and a Nigerian Payoneer account.

If you have a Nigerian Payoneer account, if you don’t have one, you can signup here.

After you signup with Payoneer from the link above, it’s time to link it with your US Paypal account.

To do so,

Get a Payoneer Global Payment Bank Account

You can easily apply for this account on Payoneer, by navigating to receive > global payment service.

uba africard paypal
Payoneer Global Payment Service Dashboard

As you can see on my dashboard, there about four different countries that I can apply to get a bank account number.

The last time I tried this, it was with a US bank account.

The first bank account didn’t work, so I had to contact Payoneer CS, and they gave me a new bank account.

I used the new bank account and it worked with PayPal.

Once you have successfully added your bank to paypal, you will need to wait for a while, before paypal will charge payoneer a little confirmation fee, this is usually done twice, unlike the card method.

Once your account has been charged successfully, you can always withdraw from your or your friend’s, relation etc (assuming you have someone to help) paypal account to your Nigerian Payoneer account.

You can also cash out from payoneer the same day (IN FEW MINUTES approx. 30max) using the Transferwise method.

I have been using Transferwise for a while now, and I know how not to get banned on Transferwise.

See the video below for a detailed guide on how to use Transferwise to withdraw your Payoneer funds with a dignifying rate in less than 30 and 10 minutes.

How to withdraw from Payoneer to your Nigerian bank with awesome rate in less than 10 minutes

Option 2 To Receive PayPal Payment to bank Account in Nigeria 2020 without UBA Africard PayPal:

👉Mozambique PayPal with Nigeria Domiciliary Account👈

On Tuesday (25/2/2020), the CBN caution banks on misleading information about a domiciliary account, and they clarify issues in that regard, you can see the post here.

This means, this method might just be the winner method to use for your PayPal withdrawal.

But I always advise people to carefully and conservatively use technical information like this as it will be their disadvantage if, in the end, they do otherwise.

I got the permission from a friend to make use of this information as I have not tested it myself.

This is how it works:

Open a Nigerian Domiciliary Account

You can walk up to any bank in Nigeria and ask to open a Domiciliary account, this account helps you receive foreign deposits (the same thing UBA Africard does).

I am not very sure you need a current account to open a domiciliary account. But I am sure they would need a guarantor from you, and I think that is all.

But it may vary from bank to banks.

I opened mine with Sterling bank, and that was their requirement.

Open a Mozambique Paypal

After you have opened a Nigerian Domiciliary account with any bank, you can now add it with the checking option to your Mozambique Paypal.

This is the same way you will add the US Paypal – Nigerian Payoneer account.

I cannot make established comment on the safety of your Paypal account, as this is totally relative yet, I would suggest you do not use this method for exchange.

If you do, it’s likely to trigger unusual activitiy and attention that affect the effectiveness of this option anytime soon.

If you have other options or difficulty, I would love to meet you and help you in the comment section.

Stay Safe!

How PiggyBank App can make you earn 1000 naira daily

piggybank app

You earn 1000 Naira daily when you refer someone to save with PiggyBank App.

PiggyBank App is a platform that helps people learn how to save and invest in farm products.

You also earn 1000 Naira daily each time you teach someone else how to save and how to invest in farm products.

PiggyBank App is more like an app that incentivizes people to do the right thing; to secure a better future for themselves and family.

Why you should learn about PiggyBank App

PiggyBank App is not a network marketing app or business but an investment app with several investment options.

PiggyBank investment options provide a return on investment (ROI) of up to 25% per annum. That weighs more than Treasury bills and any other risk-free investment out there.

PiggyBank is registered with the Security and Exchange Commission (SEC) Nigeria. According to Piggyvest, they’re on a mission to give everyone the power to better manage and grow their own finances.

Piggybank is the foremost and first “Saving & Investment” app in West Africa and was first launched in 2016.

Piggybank uses to be an only-savings platform but revisited its mission to include viable investment options and modified its name to Piggyvest.

There are numerous benefits of cultivating a good saving habit, which is the least thing I want to talk about in this post. To know more about what a good saving habit can do to you see 10 important benefits of saving money.

Using Piggyvest App, you can:

  1. Earn 1000 naira daily by referring people to save or invest with Piggyvest
  2. Join your friends to save for a particular purpose (this will be a very useful option for members of any marriage committee, such as a committee of friends etc). All members of the saving vault will have the same restricted access to the vault until the date you all assign as the maturity date.
  3. You can invest your spare money in one of their vaults and get a 25% ROI in one year instead of leaving your money to lie in wait for inflation.

The most amazing part is that, if you decide not to invest any amount in Piggyvest, you still earn 1000 naira daily till when you get tired of it, just by referring people to join the platform free of charge.

How much can you earn with Piggybank App?

There is really nowhere on Piggyvest that it says to what end someone can earn.

If anything last till eternity, then it’s as good as saying, you can keep earning 1000 naira daily with Piggyvest till eternity.

How to scale up your Piggybank earnings?

To scale up your 1000 naira daily money from Piggybank App, you would need to tell as much people as possible about Piggybank App; its products and services.

The more you tell people, the more you register people to the platform and the more you earn.

It’s not only 1000 naira per day (only) that you can make from Piggybank App or Piggyvest. It’s per number of heads that joins the vest through your referral link.

If you can talk to a group of 100 students about savings, and get 50 of them signup under your link, you have lockin 50,000 Naira for that day.

How to redeem your 1000 naira from Piggybank

To redeem your earnings from Piggybank, there are about a few steps that I consider the most transparent referral network and model I have ever seen.

Make sure your prospect signup with your referral link.

Piggyvest App

Make sure they save at least 1000 naira to unlock their bonus

Once someone signs up under you, and deposit 1000 naira in your flex savings wallet, you are given a 1000 naira referral bonus and the person.

So it’s a win-win situation with nobody losing out. You win 1000 naira and the person you register also win 1000 naira.

So at the end of the person’s circle, they will have 2,000 naira balance in their vault.

They can decide to invest in Piggyvest with this money to earn 20% annual bonus or refer others to earn as well.

It’s all a simple process.

Click here 👉👉 👈 to signup on PiggyVest with my link.

If you have any concern and question, you can send me a WhatsApp chat via this line 09081275044. Tell me you want to register on Piggybank and I will assist you further.

You can also learn how to make money from mobile app