Ratefy OTC deals

    Sell Payoneer and PayPal Funds for Naira

    Review current account-transfer deals, compare published rates and limits, and estimate the Naira value before you open a deal. Each offer has its own accepted method and terms.

    Handled directly by Ratefy, not escrow. The OTC desk may be offline overnight. Check availability in the deal before sending funds.

    Payoneer

    Payoneer Funds (transfer)

    Payoneer account transfer

    ₦1,302.00/ USD

    Deal exchange rate, confirm before sending

    USD amount
    $500 to $10,000
    Estimated processing time
    20 mins
    View deal

    Payoneer

    Payoneer Funds (transfer)

    Payoneer account transfer

    ₦1,300.00/ USD

    Deal exchange rate, confirm before sending

    USD amount
    $50 to $500
    Estimated processing time
    15 mins
    View deal

    PayPal

    PayPal to PayPal Transfer (FnF)

    PayPal Friends and Family only

    ₦990.00/ USD

    Deal exchange rate, confirm before sending

    USD amount
    $50 to $1,200
    Estimated processing time
    15 mins
    View deal

    Market-rate updates use the saved exchange-rate timestamp, not the date an offer was edited. Fixed-rate offers use their saved update timestamp. This page checks every 60 seconds and hides missing rates or rates older than 30 minutes.

    Payoneer / PayPal to Naira calculator

    Indicative, confirmed in the deal before you send funds

    Choose a published deal and an amount within its limits. Review the rate shown in the selected deal before sending funds.

    Enter an amount within $500 to $10,000.

    Indicative Naira amount

    Enter an amount within the deal limits
    Review selected deal

    How a Ratefy OTC deal works

    1. 01

      Review the public deal

      Check the accepted transfer method, limits, rate, estimated processing time and terms. Sign in to your Ratefy account when you are ready to start.

    2. 02

      Confirm your amount and payout account

      Enter the USD amount within the deal limits, review the quoted Naira amount and select or add your linked Nigerian bank account. Submit the sell request when the desk is available.

    3. 03

      Follow the transaction instructions

      Use the recipient instructions supplied for your transaction. After you have actually sent the funds, mark the payment as sent in the transaction and use its chat for questions.

    4. 04

      Track the bank payout

      Ratefy reviews the payment and initiates the Naira payout to the bank account selected for the transaction. Follow the transaction status and confirm receipt only after the funds reach your account.

    Frequently asked questions