How to Pay for Facebook Ads in Nigeria (With Pictures!)

Last updated on October 27th, 2023 at 04:44 pm

Running Facebook Ads in Nigeria can be quite challenging when you want to pay for your Facebook ads campaign.

The majority of the banks in Nigeria do not allow you to pay for your Facebook ads with your debit or credit card.


And with the recent spend limit on international transaction as directed by the CBN, this makes Facebook ads payment in Nigeria a difficult task.

Hence, you cannot pay for Facebook ads in Nigeria with your Naira Mastercard, Visa card and Verve card.

Today, most advertisers in Nigeria incur a huge cost when they pay for their ads in the dollar due to exchange rates.

This makes the return on investment from Facebook ads very low. 

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This article is for you if you are looking for:

  • how to pay for Facebook ads with your Naira Master/Visa card in Nigeria
  • ways on how to set up your Facebook Ads account as prepaid
  • how to fund your ads account with PayU in Nigeria
  • why Facebook ads card was declined
  • how to add money in Facebook ad manager/account
  • ways on how to set up your Facebook ads payment method in Nigeria
  • how to pay Facebook ads with a debit card
  • how to pay for Facebook ads using PayU
  • best ways on how to set up payment on Facebook

See Also: How To Create Facebook Ads With Almost Zero Training (Step by Step Guide)

Who can benefit from this:

  • Media buyers
  • Business owners
  • Digital Marketers


Types of Facebook Ads Account

There are two types of Facebook ad account available to Facebook advertisers:

  1. Prepaid Facebook ads account; this only allows advertisers to run ads when they have their ad account funded 
  2. Postpaid Facebook ads account; this allows advertisers to run Facebook ads and pay later once they hit their billing threshold or at the end of the month.

See Also: How to Fix Disabled Facebook Ad Account Really Fast


How to Pay for Facebook Ads in Nigeria with Naira Debit Card

If you are an advertiser in Nigeria running Facebook Ads, you might have suffered from this problem at one point in time.

We have had a lot of complaints from clients we consult when it comes to making payments for their Facebook ads in Nigeria.

They run into debts after running Facebook ads as they are unable to pay the accrued balance due to card decline or they have exceeded the $100 monthly international spending limit on most Nigerian debit cards.

To be able to pay for your Facebook ads in Nigeria, we will be sharing with you ways to set up your ad account and also how to have a naira account that allows you to use the local card payment option. 

You will learn how to set up your Facebook naira ads account and pay for your ads using your naira card.

However, this might not work for you if you already have a dollar ads account active for Facebook ads.

Hence, you will need to create a new ads account.

The best practice is to run your ads in the currency of the country that you reside.

Creating your Facebook ads in naira is super amazing if you are in Nigeria as you get charged the exact amount you spend on running your Facebook ads campaign without any additional cost from the exchange rate.

This allows you to properly document your media spend on Facebook ads. 


Disadvantages of Dollar Facebook Ads Account to Nigerian Advertisers

  1. Most naira cards have restrictions placed on them by banks
  2. It is difficult to account for the ads budget spent on Facebook Ads
  3. The differences in the dollar to naira exchange rate attract certain unexpected expenses
  4. Unable to run ads more than the international spend limit placed by banks in Nigeria as directed by CBN

These disadvantages have made lots of businesses unable to run ads for their businesses in Nigeria.

Hence they outsource their Facebook ads campaign to digital marketing agencies in Nigeria to help create and manage their adverts. 


How To Create and Pay for Facebook Ads in Nigeria With any Debit Card

Firstly, you need to set your Facebook ads account billing currency to naira before implementing this method.

Facebook has integrated the PayU Nigeria payment gateway with the Facebook ads billing system, hence making it very easy to pay for Facebook ads with your naira card in Nigeria.

Sign in to your Facebook personal account.

Facebook ads billing

  • Next, tap “Add Payment Method”
  • Then select the local card

Facebook ads local payment

  • Tap on “Next”
  • Put in the amount you want to fund your Facebook ads account with and click on “Next”

Funding Facebook naira ad account

This will take you to the PayU interface.

  • Click “Continue”

PayU InterfaceThis will redirect you to a different interface where you will be asked to put in your card details. Once done, click on “Pay N4500.00 (the amount you want to fund with)”

Facebook Ads payment set up

Select the method you wish to receive your One Time Password (OTP); in which a code will be sent to the phone number linked to your bank.

Alternatively, you can use the hard token option if you have that.


Facebook ads bank OTPNext, check the box to agree with the information you have provided and click “Submit”. Enter your OTP sent to your mobile phone and click “Submit”.

If successful, you get a prompt “Success“ showing the amount you have added and the new balance. 

PayU success notification


With this, you are sure to have a hassle-free way to pay for your Facebook ads and run a profitable business in Nigeria.

Read Also: 101 Sure Ways to Make Money Online in Nigeria


FAQs on How to Pay for Facebook Advertising In Nigeria


How can I pay for my Instagram Ads in Nigeria?

You can also pay for your ads on Instagram following the steps above if you are running the Instagram ads from the Facebook ads manager. 


How can I pay for Facebook ads with PayU?

With the steps above you are good to go with settling your Facebook ads in Nigeria with PayU.


Why is Facebook not accepting my debit card?

Your Facebook ads payment is most likely to fail if you are using the local card payment option in Nigeria.

This is due to the restriction placed on cards for international transactions.

Create a naira ads account with the step above and you are ready to start your Facebook ads with no more card decline on spend limit on the card.


What are the Lists of Recommended Banks Cards for Facebook Ads in Nigeria?

Some of the questions we get the most from businesses we consult are:

  1. Why is Facebook not accepting my debit card?
  2. How do I pay for Facebook ads in Nigeria?
  3. How do I add funds to Facebook ads
  4. Is PayU available in Nigeria?
  5. How do I pay for Facebook ads using PayU?
  6. How do I add a payment method to the Facebook account?

Based on experience and the banks we have used over time, here are the lists of the bank that allows MasterCard on Facebook ads in Nigeria

  • Zenith bank MasterCard
  • GTB Naira MasterCard
  • Access Bank Visa card
  • UBA debit MasterCard
  • FCMB card
  • Standard Chartered Bank Nigeria

This list of the bank that allows MasterCard on Facebook ads and you can use any of them for your Facebook ads payment in Nigeria.




With the step-by-step guide above on how to pay for Facebook ads in Nigeria, we are confident that you are able to start running your campaigns again without challenges on spend limits by banks or card decline.

You can also contact the best Facebook ads agency in Nigeria if you are looking to partner with a Digital Marketing agency in Nigeria to manage your Facebook ads while you focus on other business processes.

We hope you got value here! Don’t hold back, kindly share this article with your network. 


Harrison Acha is a Digital Marketing Expert, Seasoned Blogger, Facebook Marketing Expert, Writer, SEO Expert, and Digital Content Creator. Have been in the IT industry for more than a decade, and helping both tech and non-tech professionals become more productive and less frustrated with technology. Follow me on LinkedIn, Twitter and Facebook.

PrimeGate Digital is a Result Driven Blog that strives to go beyond ‘Conventional Digital Marketing’ through digital innovation and performance marketing. We have experience working with world class brands and products.


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