TikTok has more than 1.5 billion users globally, and more than 23 million users in Nigeria alone. So if you want to get your product or services in front of more people, then you should run TikTok Ads.
But here’s the issue: paying for TikTok ads isn’t as straightforward as it should be. Because along with every other cross-border payment, Nigerian cards rarely work.
Butttt there’s a way around it. Swyftpay provides virtual USD cards that help Nigerians pay for TikTok ads with zero issues. So if you’ve been struggling to pay for TikTok ads in Nigeria, here’s a step-by-step guide.
Why Nigerian Cards Get Rejected on TikTok Ads Manager
Nigerian cards do not work on TikTok’s payment system for a few reasons:
- The Central Bank of Nigeria (CBN) has placed restrictions on international USD transactions from Nigerian banks.
- And the dollar cards from Traditional Nigerian banks have a low transaction limit of about $20.
These barriers mean your Nigerian card might get declined. But there’s still a way to pay for TikTok ads, so keep reading.
What You Need to Pay for TikTok Ads In Nigeria
To avoid payment declines, here’s what you should prepare:
- Your SwyftPay App
Download the app from the Google Play Store or Apple App Store. Then create an account and complete the verification process.
- A Funded Swyftpay USD Card
Swyftpay offers two USD card options — Flashcards and Permanent USD cards.
- Flashcards are perfect if you plan to run a TikTok ad once; because the card can only be funded once and expires after 30 days. It’s great because it prevents maintenance fee charges when you’re not using the card.
- But if you run ads regularly, you need the Permanent USD Card. It lasts up to 3-4 years and can be funded as many times as needed.
- Your TikTok Ads Manager Account
Sign up or log in to TikTok Business Center, where you’ll manage your ads and billing.
Step-by-Step Guide to Paying for TikTok Ads In Nigeria
Here’s everything you need to know to pay for TikTok Ads in Nigeria so you can start advertising without any issues.
Note that these steps are the same on both smartphones and desktops:
Step 1: Create Your Virtual USD Card
Screenshot from Swyftpay
- Navigate to the “Virtual Cards” section in your dashboard.
Screenshot from Swyftpay
- Click on “Create Virtual Card.”
You can choose between:
- Flashcard (perfect for one-time ad campaigns or testing)
- Permanent USD Card (ideal for ongoing advertising)
Screenshot from Swyftpay
Screenshot from Swyftpay
- Fund the card with enough to cover your planned TikTok ad spend.
- Save your new virtual card details for the next step.
Step 2: Set Up Your TikTok Ads Account
- Login or create an account on TikTok for Business using your business account credentials.
- If you haven’t already, complete your business profile information. This is essential for ad approval.
Screenshot from TikTok Business Center
- Navigate to the “Finance” section and click on “Payment Management.”
Screenshot from TikTok Business Center
- Select “Add Payment Methods” from the dashboard located in the center-right corner of the payment management dashboard
Screenshot from TikTok Business Center
- Choose “Credit Card” from the various payment options displayed (you’ll see other options like PayPal, but select Credit Card for your virtual USD card)
Screenshot from TikTok Business Center
- Proceed to fill in your Swyftpay Virtual Card details and submit.
- Once verified, your card will show as an active payment method.
- Now, when you launch ads, it can be charged directly from your Swyftpay virtual USD card.
Run Your Ad Campaigns With Swyftpay
So if you’ve been struggling to pay for TikTok ads from Nigeria, you don’t need to anymore. SwyftPay offers the easiest and most reliable solution. With our virtual USD cards, you can avoid payment failures, keep your campaigns running, and focus on growing your brand.
Ready to launch your next TikTok campaign? Download SwyftPay today and start running your TikTok ads easily from Nigeria.
Read More
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For any more questions, reach our customer care via email.
Frequently Asked Questions
1. What’s The Minimum Budget Needed For TikTok Ads In Nigeria?
The minimum budget for TikTok ads is $50 at the campaign level and $20 at the ad group level. Nigerian businesses are recommended to start with at least $20-30 to gather meaningful data. This typically translates to ₦15,000-₦23,000 depending on exchange rates.
2. Can I Use My Nigerian Business Debit Card Directly On TikTok Ads?
It depends; most traditional bank cards will get declined due to international transaction restrictions, so they are not the ideal choice if you want to run TikTok Ads.
Swyftpay’s virtual USD cards, on the other hand, are accepted by TikTok and can be used to pay for ads smoothly.
3. How Quickly Can I Start Running TikTok Ads After Setting Up Swyftpay?
The entire process of setting up your Swyftpay account, creating your virtual card, and adding it to TikTok just takes around a few hours, so you can start running ads the same day.
4. Does TikTok Pay Nigerian Creators
At the moment, TikTok’s Creators Fund is not available to Nigerian creators. Meaning that Nigerian creators can’t earn directly through the fund like creators in other countries.
However, there are still multiple ways for Nigerian creators to make money on TikTok, including gifts, affiliate marketing, and brand collaborations and partnerships.