When Bitcoin first started, many thought it was one of those scams that would soon fade away. 

As time passed, one truth became obvious - this digital asset was here to stay. 

Not only that, it was fast becoming the preferred way Nigerians and many other people across the globe store value, send money, and protect their savings from inflation. 

However, most Nigerian businesses do not openly accept Bitcoin, even though millions of Nigerians hold and use crypto every day. Despite the open doors to crypto, several issues still restrict the use of crypto in Nigeria. 

This guide explains exactly where you can pay with Bitcoin in Nigeria. You will find different apps that support Bitcoin payments, how to pay with Bitcoin online, practical workarounds when a merchant doesn’t accept crypto, and where you can buy and use BTC safely.

Or you can just save yourself the hassle of reading by using YDPay to instantly pay in Bitcoin (Download the app)

Can You Pay with Bitcoin in Nigeria?

Yes, but do not think you can just walk into a store and tell them you want to pay with Bitcoin. You will most likely get laughed off the property. 

So, how then do you pay with Bitcoin in Nigeria? The answer is more simple than you think. 

There are three ways to carry out your payment in Bitcoin. You can use a Bitcoin payment app, P2P conversion, or a crypto-friendly service to complete your payment in Naira while your Bitcoin funds the transaction. 

These are currently the most reliable methods to pay in Bitcoin in Nigeria without relying on merchants who support direct crypto payments.

Updated List of Places You Pay in Bitcoin in Nigeria 

It is one thing to know how. It is another thing to know where. 

Here are practical, real-world places where Nigerians use Bitcoin for payments today.

1. Businesses That Accept Bitcoin Through Payment Apps

Many small businesses and service providers in Nigeria do not publicly advertise Bitcoin acceptance, but some accept it through crypto-friendly apps.

Usually, at tech-friendly businesses, you can pay with your Bitcoin through a crypto-friendly payment app. 

Examples of these businesses include:

• Tech repair and gadget shops
• Online boutique shops and private retailers
• POS agents who settle using crypto
• Travel and logistics operators
• Small agencies (branding, design, digital marketing)

This is the most common instance where you can pay in Bitcoin in Nigeria using an app that converts your crypto instantly.

Apps like YDPay let you send Bitcoin, convert to Naira instantly, and the merchant receives normal fiat without needing a wallet.

2. Global Digital Stores That Accept Bitcoin (Used Heavily by Nigerians)

Option 1 only works if you want to pay in a physical store. But what if you want to buy something from your favorite online store? 

You might think it will be easier because it is online and Bitcoin is a digital asset but that is not always the case. However, you will find several global online stores that take Bitcoin. 

Some of the global merchants that accept crypto directly include:

• Namecheap (domains, hosting)
• ExpressVPN
• Bitrefill (very popular among Nigerians)

Using these, you can pay for:

• Airtime and data
• Electricity tokens
• DSTV and GOTV
• Netflix and Spotify
• Food and grocery vouchers
• Online subscriptions

These apps give you a straightforward way to pay with Bitcoin online. You don’t have to use another app to make your payment. 

3. P2P Settlement (Most Common in Nigeria)

What happens if a business is not open to crypto payments and you want to use your Bitcoin? That is where a P2P intermediary comes in. 

In this case, the order of events changes from a simple bring out your app and pay or pay on our platform. 

What you do is:

1. You send Bitcoin to the intermediary.

2. They convert it to Naira instantly. 

3. The merchant gets paid via regular bank transfer. 

This approach is widely used in:

• Local travel agencies
• Electronics and phone stores
• Real estate deposits
• Betting and gaming platforms
• Car dealerships
• Event ticket vendors

It is currently the easiest informal method for paying with Bitcoin in Nigeria without needing the merchant to be crypto-enabled.

4. Freelancers and Online Service Providers

If you are a freelancer or online service provider, you must have encountered the woes of receiving money from your clients abroad. 

People in this group accept Bitcoin more than any other group because it solves FX, PayPal restrictions, and delays.

Common services paid with Bitcoin in Nigeria include:

• Web design
• Copywriting
• Programming
• Social media management
• Video editing
• UI/UX design
• Online tutoring

5. Gift Card and Utility Platforms

If all else fails and a merchant doesn’t accept Bitcoin directly, you can buy a gift card or token instead.

Platforms like Bitrefill, Coinsbee, and eGifter will let you use Bitcoin to pay for:

• Airtime, data, electricity
• Uber rides
• eCommerce gift cards
• App subscriptions
• Groceries and food delivery

This is a reliable workaround where you can pay in Bitcoin in Nigeria without needing a direct crypto checkout.

How to Pay With Bitcoin in Nigeria (3 Practical Methods)

Method 1: Pay Using a Bitcoin Payment App (Fastest Method)

This method solves 95% of common Nigerian use cases.

Steps:

1. Download the YDPay app

2. Complete quick KYC verification

3. Deposit Bitcoin into your YDPay wallet

4. Convert BTC → NGN instantly

5. Pay the merchant in Naira while your Bitcoin is used behind the scenes

This works even for businesses, in-person or online.

Method 2: Direct Wallet-to-Wallet Payments

If the person accepts Bitcoin directly:

1. Get their wallet address

2. Confirm the network (BTC, ERC20, TRC20)

3. Send the Bitcoin

4. Wait 3–10 minutes for blockchain confirmation

Common for freelancers, online vendors, and digital product sellers.

Method 3: Use Bitcoin to Buy Vouchers and Gift Cards

If you want to pay businesses that don’t support crypto:

1. Visit Bitrefill or Coinsbee

2. Select Nigeria

3. Choose product (airtime, electricity, Uber, Jumia, etc.)

4. Pay with Bitcoin

This method is ideal for users looking to pay in Bitcoin in Nigeria using an app or vouchers.

How to Pay With Bitcoin Without a Wallet

You have heard of the advantages of Bitcoin but you do not want to go through the hassle of creating a wallet, authenticating it, and funding it before you can make payments in Bitcoin. 

While the process of getting onboarded and getting a wallet on many crypto apps can be laborious but you cannot pay or receive Bitcoin without a wallet.

However, apps like YDPay act as a simplified wallet and payment tool, meaning you don’t need technical knowledge or long wallet strings. 

It removes the complexity while still giving full control of your BTC.

How to Pay With Bitcoin Using PayPal

PayPal in Nigeria does not support Bitcoin deposits or withdrawals.

Workaround:

• Use Bitcoin to buy a PayPal-funded gift card or balance via P2P platforms such as Noones
• Or pay with Bitcoin through a global merchant without needing PayPal at all

This is currently the only practical way to pay with Bitcoin using PayPal from Nigeria.

How to Pay With Bitcoin on Cash App (For Nigerians)

Cash App supports Bitcoin in the US and UK only.

Nigerians cannot use Cash App to pay merchants with Bitcoin directly.

However, you can still send BTC from your Nigerian wallet to someone who uses Cash App.

If you need a local alternative, YDPay is optimized for Nigerian users.

FAQs

Can I buy BTC with Opay?

No, Opay does not support direct crypto purchases.

But you can fund your YDPay account using Opay transfers, then buy Bitcoin instantly.

Where can I buy Bitcoin online in Nigeria?

You can buy BTC using:

• YDPay
• Luno
• Quidax
• ByBit P2P

How much is $100 BTC in Naira?

It depends on market conditions.

Rates change hourly based on BTC/USDT price.

Does Nigeria have Bitcoin ATMs?

Nigeria has very limited or mostly inactive Bitcoin ATMs.

Most users rely on crypto apps instead.

Wondering where you can pay in Bitcoins in Nigeria without stress? Using a crypto payment app like YDPay gives you the smoothest experience.

Safety Tips When Paying With Bitcoin in Nigeria

1. Enable 2FA on your crypto apps
2. Double-check wallet addresses
3. Always confirm the correct blockchain network
4. Use escrow when buying from strangers
5. Avoid off-platform communication
6. Never send Bitcoin before confirming value.

For beginners, a regulated and simplified platform like YDPay is safer than sending raw wallet-to-wallet payments.

Conclusion

Even though many Nigerian merchants don’t officially accept BTC, you can still use Bitcoin every day through crypto payment apps (best option), online stores that accept Bitcoin, P2P merchant settlement, freelancers and digital services, and gift cards and vouchers

If you want the easiest, fastest, and most beginner-friendly solution, use YDPay to instantly pay in Bitcoin (Download the app)