Running Facebook ads is one of the most effective ways to reach your target audience and grow your business online. But for many Nigerian advertisers, payment has always been a challenge. In the past, you needed a dollar card or domiciliary account to fund ads, which came with high conversion rates, international charges, and spending limits.
Today, things are easier. With PayU and supported Naira debit cards, you can pay for your Facebook ads directly in Naira. This guide explains everything you need to know, including requirements, step-by-step setup, and common challenges to avoid.
Why Pay for Facebook Ads in Naira?
Here are the main benefits of switching from dollar payments to Naira:
- No exchange rate worries – Avoid fluctuating dollar-to-naira conversions.
- Lower costs – Save money on bank charges and dollar card maintenance fees.
- Easier tracking – Monitor ad spend directly in Naira without conversion confusion.
- Wide compatibility – Most Nigerian Visa and Mastercard debit cards work with PayU.
Disadvantages of Using Dollar Payments for Ads
- High and unstable exchange rates increase advertising costs.
- Some Nigerian banks restrict dollar payments on Naira debit cards.
- Difficult to calculate exact ad spending in local currency.
- Payments can fail due to limits, declined transactions, or bank restrictions.
Requirements Before Paying in Naira
Before setting up, keep these in mind:
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- Your Facebook Ads Manager currency must be set to Naira.
- You should see “Local Cards (PayU)” as a payment option in your Ads Manager.
- If your account is already in USD, you may need to create a new Ads account set in Naira to use PayU.
How to Pay for Facebook Ads in Naira (Step by Step)
- Log in to your Facebook Ads Manager.
- Go to Payment Settings.
- Click Add Money.
- Choose “Naira Payment With Mastercard and Visa – PayU.”
- Enter the amount you want to add and click Review Payment.
- Select Make Payment.
- On the PayU page, click Continue.
- Enter your card details (Visa or Mastercard) and click Pay.
- Choose how you want to receive your OTP (One-Time Password).
- Confirm you accept the terms and conditions, then click Submit.
- Enter the OTP sent by your bank and submit.
- Once successful, you’ll see a confirmation message.
You can now check your Ads Manager billing section to confirm your Naira balance.
Supported Bank Cards for PayU
Based on user experiences, most Nigerian debit cards work with PayU. Here are some examples:
- Zenith Bank Mastercard – widely reported to work smoothly.
- Access Bank Mastercard
- UBA Prepaid Card
- FCMB Card
- GTBank Mastercard – mixed experiences; some users report issues.
Tip: If one card doesn’t work, try another bank’s Mastercard or Visa card.
Alternative: Virtual Dollar Cards
If PayU is unavailable or you prefer dollar billing, you can also use virtual dollar cards from fintech providers. These are reloadable cards in USD/EUR, funded via bank transfer or crypto, and often bypass Nigerian bank restrictions.
Conclusion
Paying for Facebook ads in Naira has made online advertising in Nigeria much simpler. With PayU and compatible debit cards, you can avoid dollar exchange stress, cut costs, and easily monitor your ad spend.
If you encounter issues, check your card settings for online transactions or try another bank card.
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To note
Please note that before you can pay with PayU, your Facebook ads manager currency must be set to “Naira” and you must see the “Local Cards” option in your Facebook Ads manager payment methods.
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