How to Use PayPal and MasterCard in Ethiopia 2024

Ethiopia is an exciting and diverse country in East Africa with a quickly growing digital economy. As online transactions become more widespread, Ethiopians need to have access to suitable and secure payment methods, such as PayPal and MasterCard. In this guide, we will walk you through the methods of using these platforms in Ethiopia, from setting up an account to making transactions and withdrawing amounts of money.

1: Setting Up a PayPal Account

1.1: Creating a PayPal Account

To begin using PayPal in Ethiopia, you first need to open an account. Follow these procedures to get started:

  1. Search the PayPal website and click on the “Sign Up” button at the top.
  1. Select the account type that suits your needs—personal or business account.
  1. Type in your personal information, including your name, email address, a secure password, and your identity card (passport, driver’s license, or national ID) if required.
  1. Review and agree with the terms and conditions.
  1. You ought to verify your email address by clicking on the verification link sent to your inbox in your Gmail account.

1.2: Connecting a Bank Account or Credit Card with your PayPal account

As soon as your PayPal account is set up, you can link it to your bank account or credit card to make transactions. Here’s how:

  1. Log in to your PayPal account.
  1. Click on the “Wallet” tab.
  1. Select “Connect a bank account, connect a credit card” and follow the on-screen instructions.
  1. Provide the essential information, such as your account number or credit card, appropriately.
  1. Confirm the connecting process by inserting the verification code sent to your phone or email.

2: Confirming Your PayPal Account

2.1: Why Authorize Your PayPal Account?

Authenticating your PayPal account is a significant step that permits you to enjoy the full range of services and assistance offered by the platform. Some of the benefits of a certified account include:

  • Improved transaction limits
  • Increased security
  • Access to further payment alternatives

2.2: How to Validate Your PayPal Account

To confirm your PayPal account in Ethiopia, you will need to arrange for certain documents to approve your identity. Follow these steps to complete the verification process:

  1. Log in to your registered PayPal account.
  1. Click on the “Settings” sign.
  1. Choose “Account Settings” from the pull-down menu.
  1. Click on the “Get Confirmed” link.
  1. Select the authentication method that suits you—either connecting a bank account or applying for a PayPal MasterCard.
  1. Keep the on-screen guidelines and provide the necessary documents or information.
  1. Wait for PayPal to evaluate and verify your confirmation request.

3: Using PayPal for Online Businesses

3.1: Making Payments with a PayPal Account

Now that your PayPal account is set up and confirmed, you can start using it for online businesses. Here’s how to make payments with a PayPal account:

  1. Look for the PayPal logo or payment alternative at the online store or website you need to purchase from.
  1. Choose PayPal as your payment option at the checkout.
  1. Log in to your PayPal account when encouraged.
  1. Check out the payment details and approve the transaction.
  1. You will receive a verification email from PayPal, and the payment will be deducted from your connected bank account or credit card.

3.2: Getting Payments with PayPal

If you’re a service provider or e-commerce trader, or you provide facilities online, you can accept payments through PayPal. Keep these guidelines in mind when accepting payments:

  1. Deliver your PayPal email address to the client or end-user.
  1. Once the payment has begun, you will get an announcement from PayPal.
  1. Log in to your PayPal account to approve the payment and find the money.
  1. You can choose to keep the money in your PayPal account or transfer it to your connected bank account.

4: Using MasterCard in Ethiopia

4.1: Applying or signing up for a MasterCard

MasterCard is another common payment option that can be used in Ethiopia. Here’s how to apply for or get started with a MasterCard:

  1. Examination and compare the various types of master cards available in Ethiopia.
  1. Select the one that is relevant to your needs, such as a credit card, debit card, or prepaid card.
  1. Watch the website of the bank or financial association offering the MasterCard you want.
  1. Fill out the application document or an agreement paper with your details and submit it online or in person.
  1. Wait for the bank to check out your application and issue your MasterCard, if permitted.

4.2: Using MasterCard for Online and Offline Transactions

As soon as you have your MasterCard, you can use it for both online and offline transactions. Here’s how:

  1. Look for the MasterCard symbol or payment method at the store or website where you want to purchase something.
  1. Choose MasterCard as your payment option at the checkout.
  1. Provide your card appropriately, including the card number, the expiration date of the card, and the CVV code.
  1. Check out the payment details and approve the transaction.
  1. If prompted, you have to enter the one-time password (OTP) sent to your signed-up mobile number.
  1. The payment will be processed, and you will receive a verification message or email.

5: Withdrawing money from PayPal Account or MasterCard

5.1: Withdrawing money from PayPal Account

If you have money in your PayPal account that you want to take out, follow these steps:

  1. start to sign in to your PayPal account.
  1. Click on the “Account Holder” tab.
  1. Choose “Withdraw money” and choose the withdrawal option—a bank account or card.
  1. Insert the withdrawal amount and verify the transaction.
  1. The money will be passed to your connected bank account or card, depending on the selected option.

5.2: Withdrawing money from MasterCard

Withdrawing money from your MasterCard in Ethiopia can be done through ATMs or bank branches. Keep these procedures:

  1. Locate an ATM or bank that receives MasterCard withdrawals.
  1. Inter your MasterCard into the ATM or hand it to the banker.
  1. Keep the on-screen guidelines or notify the teller about the withdrawal amount.
  1. Insert your PIN (personal identification number) if it was sent to you.
  1. Bring together your cash or ask for a receipt if you want.


Felicitations! You are now well-educated on how to use a PayPal account and a MasterCard in Ethiopia. By following the procedures defined in this guide, you can enjoy the accessibility and security of these payment options for your online and offline transactions. Remember to always keep you’re MasterCard and PayPal account information secure, and make sure that you are using reliable websites and stores for your transactions. Happy banking!

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