Category Archive : Finance Fintech Arbitrage

Easy ways to make money from fintechs in Nigeria

Financial technology, popularly known as fintech, is a term that applies to all software or programs that offer financial services to businesses and individuals. Fintech programs use Internet connection to provide these services. Read More

How to make money with the Piggyvest App

Nowadays, there are many ways of making money online, one of such ways is through the Piggyvest app.

Piggyvest is an app that offers high-interest rates on savings accounts and investments for customers. It is a finance platform that helps individuals achieve financial freedom on time.

When you sign up on Piggyvest through this link, you get a 1,000 naira welcome bonus instantly

So, in this post, I discuss how you can make money with the Piggyvest app and how Piggyvest makes money. Let’s start.

What is Piggyvest

Formerly called piggybank, Piggyvest was launched in 2016 as the first online savings and investment platform across West Africa. Their mission is ‘to give everyone the power to better manage and grow their finances.

Piggyvest first started as a savings company before adding investment opportunities to the customers. Hence, with Piggyvest, individuals can make money by saving in any of these savings accounts rather than the usual bank account.

Piggyvest App Products and Features

Piggyvest products and services include:

  1. Piggybank: Piggybank lets you save either daily, weekly or monthly a certain amount of money which can be withdrawn 3 times a year.
  2. Flex Naira: This is like a savings account where you can deposit and withdraw anytime.
  3. Safelock: A fixed deposit type of account.
  4. Investify: Invest in different investment opportunities
  5. Flex Dollar: A Savings account in Dollars with interest every month
  6. Targets: This account is useful for saving towards a goal. Such as rent, education or vacation.

How to Sign up and get Piggyvest Referral Bonus

To sign up and get your Piggyvest referral bonus of 1000 Naira, follow these steps:

  1. you can also use a referral link  to the Piggyvest website to sign up.
  2. Then, click Create A Free Account and fill in the details to register.
  3. After creating the account, if you wish, you can download the app to continue with the next stage.
  4. Next, Add your BVN to verify your account. Also, set up your bank account details and Debit card.
  5. Thereafter, fund your Flex account with at least 100 Naira.
  6. Also, fund 2 other savings accounts with at least 1000 Naira each. Piggybank, Target or Safelock.

After all these, you will receive the Piggyvest 1000 naira bonus instantly in your Safelock account and matures into your Flex wallet in 10 days.


How to Make Money with Piggyvest App

Some of the ways to make money with the Piggyvest app are through the following

1. Make Money with the Piggyvest Flex Dollar

The Flex dollar account is an easy way to make money with the Piggyvest app. Flex dollar account lets you save money in dollars and earn 7% interest per annum.

What makes this type of savings account more profit-oriented is when the value of Naira falls. For example, If have you bought a dollar at 420 Naira last year, now that is 565 naira+, you would have made a profit in both ways.

To save on Piggyvest Flex Dollar,

  • Firstly, open the app and tap on the Savings tab.
  • Next, tap Flex Dollar.
  • Thereafter, follow the procedure to fund your Flex dollar account.

2. Investify: Piggyvest Investment

Another way to make money with the Piggyvest app is through Investify. Investify is the investment side of Piggyvest which can give up to 36% interest depending on the investment you choose.

Although investify is one of the cool ways of making money on Piggyvest, most of the investments here are always sold out, However, if you are lucky to see one, grab the offer fast become it is taken.

To invest with the Piggyvest app,

  • Open the app and tap the Invest tab.
  • Then, tap Explore and browse through available investment opportunities.
  • Lastly, make your choice and pay.

3. Piggyvest Referral Program

Piggyvest Referral program gives 1,000 Naira to you and your referral.

When you refer people to sign up on the Piggyvest app through your unique link, you earn 1,000 naira which is one of the easiest ways to make money with the Piggyvest.

To get your Piggyvest referral link,

  • Firstly, open the app and tap the Account tab.
  • Then, scroll down and tap Refer & Earn N1000.
  • Next, copy your link.

So, start sharing your Piggyvest referral link and both you and your referral will get a referral bonus.

4. Make Money with the Piggyvest Savings

You can also make money with Piggybank savings. For instance, Piggybank gives 10% interest, Flex Naira interest is 8% per annum, and money on Safelock can yield up to 36% interest.

Hence, by saving in any one of these, you can grow and make money with Piggyvest.

To save in any of these Piggyvest savings accounts,

  • Open the app and tap the Savings tab.
  • Choose any of the savings options.
  • Fund the account.

How does Piggyvest Make Money?

Piggyvest makes money by investing funds deposited by customers. All funds are managed by AIICO Capital, a top asset management company in Nigeria and licensed by the Securities and Exchange Commission.

Final Thoughts: How to Make Money with the Piggyvest App

Finally, you have seen some ways to make money online passively with the Piggyvest app.

There are also some other platforms like the Piggyvest. Such as Branch appReapriteBundle Africa, and Swagbucks can fetch you money monthly with little effort.

Ways To Make Money On Amazon

Try these tips, strategies, and tools for boosting your bottom line.

Whether you want to sell a few products here and there as a side hustle, or are thinking about adding an online sales channel to your existing business, there are many ways to make money in ecommerce. As a great place for product research and with advertising solutions that reach 96% of U.S. adults every month, Amazon can help you:

  • Launch the hottest new product in home goods, health and wellness, or another niche
  • Specialize in selling B2B or another sales strategy
  • Source products from wholesale or using another procurement method
  • Find an international audience for your handcrafted masterpieces or manufactured goods
  • Generate income by self-publishing books, live streaming video games, and more

Sign up for an Amazon selling plan to make a profit on your latest estate sale finds, ship manufactured goods and custom designs around the world, and so much more. You can even make money on Amazon without selling anything.

In this post, we’ll explore some of the different options you have for making money on Amazon, from earning passive income by recommending Amazon products, to building your own brand from the ground up.

7 ways to make money on Amazon

1. Choose a product type or specialize in a niche

What should you sell to make money on Amazon? Thinking about your interests and hobbies can be a good place to start, allowing you to draw on your strengths and capitalize on insider knowledge you might have about a particular industry. Other times, inspiration can strike when you least expect it.

You might try selling a single product, or source a variety of items from different product categories. Check out this guide to finding product ideas, and get inspired by this list of successful online businesses.

Once you dive in, you might find yourself gravitating toward one category, like clothing or toys. Keep an eye on purchases and let sales analytics guide your decisions. For example, you might want to expand your catalog, or narrow it down to a handful of products—maybe even just one top seller.

2. Sell handcrafted items

If you’re a pro at sewing, woodworking, or another skill, turn your expertise into an ecommerce business. Amazon Handmade is an online community of artisans selling unique goods to a global audience. This program comes along with a fee waiver for a Professional selling plan, plus other perks for artists and creatives who want to share their work with the world.

3. Build your own brand

Building your own brand takes effort and investment, but it can pay off in customer loyalty. Plus, Amazon offers a host of tools and benefits for brand owners. If you’re ready to take the leap, or if you have an existing brand, enroll in Brand Registry to unlock automated protections for your label and more resources for brand management.

4. Create and distribute merch

Maybe you have a great idea for a funny T-shirt or coffee mug. Bring your ideas to life with Amazon Merch on Demand. This program allows you to design custom apparel and accessories on a print-on-demand basis. Products print after each sale (so you don’t have to worry about unsold stock) and ship through Prime so customers can receive orders quickly).

5. Sell B2B

If you want to sell to other businesses, Amazon Business is designed to help you reach B2B customers of all sizes. This program comes along with visual dashboards, business pricing, quantity discounts, and more.

6. Earn passive income by recommending products

You don’t need to sell products to make money on Amazon. Amazon’s affiliate marketing program, Amazon Associates, lets you monetize traffic through social media and other channels by recommending products for sale on Amazon. This affiliate marketing model allows you to earn up to to 10% in commissions.

7. Publish books with KDP

Have you written the next great novel or play? Self-publish through Kindle Direct Publishing to share your manuscript in the form of paperback, hardcover, ebooks, or all of the above. Hundreds of thousands of authors from around the world have self-published millions of books since KDP launched in 2007.

Learn more about specialty selling programs

6 strategies to drive ecommerce sales

As you decide how you want to make money on Amazon, there’s a range of ecommerce tactics you can use to grow. Here are some strategies to try as you explore different possible directions for your business—plus tips for going all in, once you’ve found what works.

1. Source the right products

How will you get products to sell to customers? You have options:

  • Resell products – Whether you have a gift for zeroing in on great vintage finds at yard sales, or a knack for scoring great deals when popular products go on sale, Amazon can be a great channel to resell for a profit. Just be sure to follow Amazon’s selling policies and code of conduct for sellers.
  • Source wholesale – If you’re planning to move lots of inventory, work with a wholesaler or a manufacturer to set up a supply chain and get products into the hands of as many customers as possible.
  • Dropship or print on demand – Don’t want to invest in procuring and storing inventory until you’re sure the product will sell? You can work with a dropshipper to send orders directly to customers after they place purchases. You might also use a print on demand solution, such as Amazon Merch.

You can start out with just one of these strategies, or try a combination. Get inspired and learn more with this guide to inventory management.

2. Take advantage of fulfillment solutions

The processes that go into fulfillment—picking, packaging, shipping orders, and handling returns—can consume valuable time and resources, especially as you scale. Luckily, you can fulfill orders on your own, outsource fulfillment, or do both.

Fulfillment by Amazon might be the right choice for your business model if you’d like to send inventory to Amazon fulfillment centers. With this method, specialists can store, pack, and ship orders on your behalf. Through FBA, you can also incentivize customers with:

  • Free, two-day shipping through Prime
  • Free returns
  • Customer support

3. Set competitive prices

Do you have a pricing strategy? Do some research by scoping out the competition for products you’d like to sell. This is especially important when you first list products, but sales can benefit in the long run if you set up a system to conduct pricing research on a regular basis, going forward. Dedicate some time to analyzing prices for similar products in Amazon search, or use our Automate Pricing tool to automatically set prices across your portfolio based on current demand.

4. Optimize to connect with more shoppers

To connect your offerings with more potential customers, use SEO best practices to help product listings rank in search results for shoppers. Basic search engine optimization involves targeting specific keywords in product titles, bullet points, and other parts of the product description.

5. Advertise and offer special deals

Depending on the products you’re selling and your ideal audience, sales tactics can be a great way to boost your bottom line. Here are a few ideas for driving sales on Amazon:

  • Cross-sell or up-sell – Cross-selling is where you help the customer find products related to the one they want to buy. For example, someone purchasing a phone might also want a phone case. Up-selling is where you recommend a premium version of a product or an upgrade, such as an add-on.
  • Run product listing ads – “PLAs” are typically cost-per-click ads, meaning you only pay when shoppers click on them. In the Amazon store, you can run several types of PLAs, including Sponsored Products and Sponsored Brands.
  • Offer deals and coupons – You can entice customers with digital coupons and promotions. Two common types are Lightning Deals (random deals that appear throughout the day) and 7-Day Deals (short-term promotions that last a week).

To land on the Amazon Deals Page, try promoting your offerings with seasonal sales, or run deals for holidays and shopping events such as Prime Day. Learn more in this guide to ecommerce marketing.

6. Focus on audience engagement

Where does your audience hang out? What’s the best way to reach them? Ecommerce gives you several unique options as you answer these questions.

For one, after someone interacts with your brand by purchasing a product, you can follow up with customers via email and invite them to leave product reviews. Amazon offers email templates to help you shape the customer journey to improve sales.

Good reviews can be a powerful way to establish trust between your brand and shoppers. On Amazon, you have the chance to receive high-impact reviews through Amazon Vine.

If your customers spend time on social media, it might be worth investing in social media marketing. You can hold contests, post trivia, and use other interactive ways to show people products and channel traffic to visit your online store. If you want to take it to the next level, social selling through a destination like Amazon Live is a way to do product reveals in real-time, give customers tailored product suggestions, and more.

8 tactics for your full-funnel marketing strategy
In this breakout session from Amazon Accelerate, an Amazon Ads specialist will guide you through eight advanced tactics to build a strategy that covers every stage of the funnel—awareness, consideration, purchase, and loyalty—for a template to improve your marketing strategy.


Tools and programs to help you scale

Signing up for Amazon’s Professional selling plan comes with access to a host of programs and tools to benefit your business—whether you’re already established in ecommerce, still in your first 90 days of selling online, or considering selling in the Amazon store for the first time.

Perfect Launch

Get off to a strong start with the Perfect Launch playbook—a set of five programs shown to increase sales in Amazon stores. Sellers who adopt all five in the first 90 days of selling in the Amazon store are 5.2 times more likely to generate $100,000 in first-year revenue compared to Amazon sellers who don’t complete Perfect Launch.

Through Perfect Launch, you can earn 5% back on the first $1,000,000 in branded sales. Perfect Launch also unlocks over $50K in potential benefits and new seller incentives, which can include credits for cost-per-click advertising, discounts for storing and shipping inventory, and more.

How To Make Money With palm pay

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Make money on palmpay as well as Earn money online using Palmpay as a Nigerian is a pretty good opportunity. You can earn a lot of cash from the Palmpay App, which is a very good opportunity to make money online if you are a Nigerian.

There are different ways of making money online using Palmpay which include cash backs, coupon, free gifts, completing daily task and the biggest of all the refer and earn program.

In this guide I will be explaining the various means which you can earn money online using Palmpay. Read this guide complete and earn that your urgent 2k.

About the Palmpay Apk

Palmpay is one of the biggest electronic banks in Nigeria with over 10 million registered users. The application was launched to perform the following services such as free transfers to Nigerian banks, payment of bills such as electricity bills, airtime, Cable TV, funding of betting wallets and lots more.

About the Palmpay Referral Program:  Earn money online using Palmpay

Make Money on Palmpay

The Palmpay referral program was designed to reward it customers to make money on palmpay, who will invite friends or recommend people to register the application using their unique link, and completing some few easy tasks.

How it Works

If you refer someone using your unique referral link, you get to receive cash benefit up to 700 naira – 2000 naira depending on the total number of people you have referred.

This program is one of the best ways to earn money online using Palmpay application. I have earned a lot from this program and withdrawal is instant.

How do you register and Earn money online using Palmpay?

If you already have an account with Palmpay you are good to make money on palmpay. But if you are new or you want to start fresh then I will be showing you how to register the Palmpay pay and Earn money online using Palmpay.

  1. Click Here to be taken to the registration page.
  2. After you’ve clicked the link the you are to enter your mobile phone  number which hasn’t been registered before
  3. The you can click on Claim on Benefit, you will be redirected to the app store or playstore depending on your device type
  4. Go ahead to download the Palmpay apk from the store and open It
  5. Open the application input that same number you have used earlier, input the verification code, and fill out your necessary details
  6. Set your “4 digit pin” for authorizing transactions
  7. And then you are good to go.

After completing these steps you are good to make money on palmpay. You will receive a 100 naira airtime coupon which you will use to buy airtime for yourself which is a little gift from Palmpay

Congratulations you have registered the app and you are ready to Earn money online using Palmpay.

How to Accumulate Benefits from the Palmpay application   

You can earn a lot of benefit from Palmpay everyday by being active, you earn cash backs, coupons for airtime, data, TV even as well as for funding betting wallets. Like me, I receive a daily data coupon of 100 naira from Palmpay for free.

Every day you login you get a benefit and also receive 2mb, which would eventually accumulate to be a good amount of data for you.

Palmpay Referral Code:

You start by clicking this link and be redirected to my referral code link which you will us to register.

Note that after every withdrawal your Palmpay referral link is been updated. With this link you can invite your friends and earn money online using the Palmpay which is a good way of making money online.

How much is the Referral?

Once your invitee signs up and tops up airtime using the free 100 naira coupon you get 700 which you can withdraw to your balance instantly. To make money on palmpay isn’t that of a big deal,  just give it a trial.

Palmpay Referral Program Rules

These are some things you should take note of to make money on palmpay and avoid losing your referral benefits.

Make Money on Palmpay
  1. Each of the referral tasks is valid for 1 week. that is every of the generated referral link will only be valid the specified amount of  amount of time
  2. Every of your invitee should complete his/her tasks before the 1 week time elapsed
  3. An invitee must complete verification (KYC) before you will be reward the bonus.
  4. Your invitee must top up airtime
  5. They should sign up with their Full Names and legal names as it appears in their BVN, account number, NIN which they will be using to complete KYC

How to See your Palmpay Referral

On the Home page click on refer and earn you will be taken to the to the page where you will be seeing your current invitees, you current amount made, and also your remaining days left to complete the task.

Steps to Earn money online using Palmpay application

The following is the guiding steps to to Earn money online using Palmpay referral program. Earn up to 7000 naira per day using this program. These are steps I complete in few minutes and make money on palmpay.

STEP 1:  Share your referral Link

Share your link to the person you are referring, he/she should follow the link and input his/her mobile number and then download the Palmpay application.

Make Money on Palmpay step 1

STEP 2: Register the Application

Your invitee should, register the application duly, and fill the necessary information and also create transaction pin (four digit pin).

Make Money on Palmpay step 2

STEP 3: Complete KYC Verification

They should complete using bank account, BVN or NIN, first, before purchasing the airtime using the free airtime voucher given to your invitee.

Make Money on Palmpay step 3

Without completing KYC your reward might be blocked and you will lose everything

STEP 4: Purchase Airtime

Normally the new user gets free 100 naira airtime coupon, you can use that coupon to purchase airtime of 100 and above. It is the last step of claiming your reward. Once your invitee has purchase an airtime, you can go to yyour referral page to see that your bonus has been added

Make Money on Palmpay step 5

STEP 5: Withdraw your Earning

After completing the task above, you will be reward with 700 and asked to withdraw it to your main Palmpay wallet balance. Or you will be asked to invite 2 more users to get up to 2000 naira. Withdraw your earning and enjoy.

Make Money on Palmpay step 5

This is one of the easiest way to Earn money online using Palmpay within few minutes. Remember the more you invite the more you earn.

Can I make money on palmpay app?

It is undoubtful that with the referral program you can make money on Palmpay, at least a not less than 700+ per day

Do I need to deposit or pay for the program to make money on Palmpay?

No the Palmpay program is absolutely free.

Do I have my own referral Link?

Yes everyone has a unique link that, they would use to make money on palmpay. note that it renews every time you make a withdrawal or after 7 days.


this is one of the best and easiest way to to Earn money online using Palmpay, by referring your friends each invite you are paid a whole sum of 700 naira.

Imagine you have registered or referred up to 10 people in a day that is about 7000 naira and almost 50k in a week this means it is a good way to make money on palmpay. Come on what are you waiting for, just go ahead and earn money online using Palmpay. If you love this guide please share with your friends,  If you have any questions please drop it in the comment sections, and get answered immediately.

Also Read; how to make money with opay

How To Make Money Through Flutter wave

Flutterwaves provides many benefits for businesses, and along with these benefits comes the opportunity to make money. However, in order to utilize this opportunity and earn a steady income for yourself, you need to first understand how flutterwave works.

In my last article I explained how flutter wave works, if you haven’t read it, I’ll recommend you to do so before attempting to make money with flutterwave.

Right in this post, we have explained four different ways to make money with flutterwave and how to get started.

Best Ways to Make Money With Flutterwave

Here are the best ways to make money with flutterwave.

Affiliate Marketing 

One of the best ways to make money with Flutterwave is through affiliate marketing. It helps you earn money from your referrals based on commission. Your only job is to recommend these Flutterwave services to potential users with a traceable affiliate code. When any of these users activate and make transactions, you earn commissions while sitting at home.

Isn’t that cool? You keep earning income even while you sleep.

How to begin;

  1. Sign up or Log in to your account.
  2. On the overview section click on “referrals”.
  3. Then click on “copy your referral link”.
  4. Send this link to all business owners you know.

Note: You might need to tell them a little about how flutterwave works for them to be interested in signing up.

Creating a Store for Your Freelance or e-Commerce Business 

This is another good way to make money with flutterwave. Flutterwave store is an easy way to own and manage your e-Commerce business. It provides you with the benefits of having an online business store without creating a website. In essence, you can make more sales.

For example: Let’s say you acquire a maximum of 50 customers monthly through your physical store or personal social media pages. When you create a store on flutterwave, you can get more customers outside your contact lists and visibility. Hence, creating a flutterwave store gives you access to the global market. Even more, it brings businesses online with minimal hassle.

How to begin;

  1. Sign in to your dashboard and select “Store”.
  2. On the store page, click “setup my store”.
  3. Edit the store name to a name you want to use.
  4. Enter your “store description” and “URL” if necessary.
  5. Click complete “Set up” and your store link will be generated and displayed on the dashboard. (You can share this link with your prospective customers and also add it to your social media pages).
  6. Next, add your products by clicking “Add products”.
  7. Fill in the details of your new products. Your product will immediately be displayed on the dashboard.

Using Flutterwave to Receive Payments

Flutterwave provides you with an easy way to receive payments from anywhere in the world with card payments, bank accounts, USSD, and more. You don’t need to worry about losing any sales because of a payment issue. With the flutterwave payment link, you have the opportunity to increase your business income.

How to begin;

  1. In your Flutterwave dashboard, go to the Payment Links page and select “Create Payment Link”.
  2. For a single payment, select “Single Charge” while for a payment plan select “Recurring Charge”.
  3. Fill in details of the payment; if you wish to allow your customers to specify the amount to be paid, leave the “Amount field” empty, otherwise, fill in a specific amount.
  4. Then, select “Create Link” to create the link to your payment page.

The payment link will be on your dashboard. Copy and share the link with your clients for them to make payments using their cards, bank accounts, USSD, etc., as applicable.

Flutterwave as Your Mobile POS

Currently, people in Africa, especially Nigeria are making money with the POS business. Although the business is rampant so getting a physical POS might be a little difficult. But with flutterwave, you can have a mobile POS. The flutterwave mobile performs the function of a cash register and physical POS machine. That is, you can accept payments from your customers, issue receipts, and also keep sales records. In summary, flutterwave mobile turns your mobile phone into your personal POS, online store, and general mobile business headquarter.

How to begin;

  1. Download the app from Play or Apple Store.
  2. Sign in by filling in your details.
  3. Proceed to the home page section and select “POS”.
  4. Select how to want to receive payment. E.g USSD, debit card, and others.
  5. If you selected “Debit/Credit Card”, Scan the “QR code” provided.

How To Make Money With Your Opay Account


This post is all about how to make money with Opay.

Are you a student, an entrepreneur, a corporate worker, or just a person who loves making money online?

Then, opay is here for you.


With opay, you can earn up to ₦5,000 or even more, as the platform offers several amazing opportunities to make money online without stress.

Whether you’re a student or an entrepreneur, just keep reading for I’ll show you how to earn money on Opay and how to make money online with opay using just an Android phone from anywhere in Nigeria.


Without further ado, let’s get started!

Making money with Opay

Opay is undoubtedly one of the most popular if not the most popular fintech company in Nigeria.

From saving and sending, to lending, investing, paying bills, and buying airtime and data, there are lots and lots of things you can do with opay.

One super cool thing about the company is that they offer customers some amazing features that can be used to make money.

Yes, Opay has pioneered some features to make you earn as much as possible (up to ₦5,000 daily) both online and offline and with or without the Opay app.

Now, let’s see all the ways you can start making money with opay fast.

How to Make Money with Opay App

How to make money with Opay

Of course, all opay customers know that they can save and send money without charges with Opay, but just a few people know that they can make money with the app just by inviting their friends to download and start using the Opay app.

That’s what makes the Opay referral program the first way of making money with Opay app.

To make money on opay using this method, all you need to do is just open the opay app on your phone, log in to your account, and copy your referral link, or your invitation code.

After that, share your link with your friends and family on WhatsApp, Facebook, Twitter, and so on.

Once they sign up using your referral link or code and verify their account, you’ll earn a commission ₦600, and keep earning as the person you refer completes some tasks including:

  • Funding their Opay account.
  • Buying airtime.
  • Paying bills.
  • Withdraw at least ₦5,000 from an Opay agent.
  • Taking a loan from O kash.
  • Investing at least ₦500 in O wealth.

One cool thing about the Opay referral program is that you’re not the only one earning, the person you invite too can earn up to ₦8,150 as cash back on transactions they make on the app.

Talking about cash back, you can also earn money online with Opay by receiving cash back on some transactions you do on the app.

Let’s see how.

How to Make Money Online with Opay App

We all know that you can buy data and airtime from Opay, but do you know that by buying airtime, you can also make money.

The cashback feature that Opay offers lets customers earn while they buy airtime or data from Opay.

On every airtime or data you buy on the Opay app, you’ll earn at least 3% cashback.

How to make money with Opay

For example, if you buy ₦1,000 worth of data or airtime, you’ll earn ₦30. In fact, some people have turned it into a daily business where they find people to recharge for and earn cashback.

Just imagine you recharge ₦500 airtime for about 20 people in a day:

  • You’ll earn ₦15 per person.
  • Now, 15×20 = ₦300.

That simply means you’ll earn ₦300 per day which is not much. However, sometimes you can get some huge cashback (e.g buy data of ₦200 and above and get ₦50 cashback).

After summing it up at the end of the month, you’ll get (300×30) which is equivalent to ₦9,000. After adding the special cashback, you could be getting ₦12,000+ every month.

As a student, imagine what you could do with 12k in Nigeria.

How to Make Money on Opay App

If you have money that you saved in your bank account or somewhere else, and you’re seeking how to make money on Opay app, then this is one perfect solution for you.

Instead of saving money in banks where the value keeps depreciating every day, why not invest your money on opay.


Opay offers some amazing features that let you invest your money and get daily, weekly, and/or monthly interest on it.

The most popular example is Owealth. On Owealth, you can earn 15% interest per annum on the money you save.

How to make money on Opay

For example, if you invest ₦50,000 on Opay, you can earn anywhere from ₦20+ per day, which is equivalent to ₦600+ per month, and about ₦7,500+ per year.

Not much, but if you’re an investor, you should know it is better than keeping your money in a piggy bank, or a physical bank.

One cool thing about the Opay investing platform like Owealth on Opay is that you can withdraw your money at any time. And the higher your investment amount, the higher you’ll earn.

How to Make money with Opay

Like I said earlier, Opay has offered numerous ways to make money with them, and not only with the Opay app.

So, if you’re looking for how to make money with Opay offline, all you need to do is to apply as an Opay agent.

This basically means starting a POS business as many people will call it.

Instead of applying for a POS machine at banks that could take months before you get one, you can get your Opay POS machine within just a few days.

After getting the machine, you can open a small shop and start doing your business.

If you’re a student, you can take your POS to school, tell your coursemates about it and start making money from the charges as they patronize you.

Make Money with Opay – FAQs

How do I earn money on Opay app online?

You can earn money online from Opay by inviting friends and buying airtime and data to earn cashback.

How do I start a business with Opay?

You can start a business with Opay simply by applying as an Opay agent, getting a POS machine from Opay, and starting a POS business where you can earn money from charges.

How can I make money with Opay as a student?

You can make money With Opay as a student by simply referring your friends, coursemate, and schoolmates to download the opay app and sign up with your referral code, where you’ll earn ₦600+ per person.

Another way on how to earn money on Opay is to sell airtime and data to your friends, coursemates, and schoolmates from your Opay account, and you’ll earn a 3% cashback.


With numerous ways you can start earning money from Opay anywhere in Nigeria, the company has proven to be a fintech platform where you don’t only save, but make money with them.

By now, I believe you should have known how to make money on Opay, how to make money with Opay app, and how to make money online with Opay app.


The Best 15 Arbitrage Virtual Dollar Card Providers in Nigeria – May 2023

The emergence of various financial service providers has enabled the increasing adoption of virtual dollar cards in Nigeria. While some fintech companies are suspending the operations of virtual dollar cards in the country, other providers of this product are coming to the fore of offering you a wide range of options for virtual dollars.

A virtual card can be likened to a physical card in terms of appearance but you can only use virtual cards for online transactions. As the focus of this article is on virtual dollar cards, it is noteworthy to understand what a virtual dollar card is and its importance.

What Is A Virtual Dollar Card?

A virtual dollar card is a non-physical card that is dollar-denominated to enable online payments. You can use a virtual dollar card in Nigeria when you are unable to use naira-denominated credit or debit cards in Nigeria.

The advent of virtual dollar cards in Nigeria is to better improve online shopping and payments among Nigerians that use international platforms like Alibaba, Amazon, Ali Express, Facebook, Netflix, and whatnot. For instance, your Nigerian ATM cards won’t enable you to make purchases or subscriptions on digital platforms like Apple Music. But you can achieve that with virtual dollar cards because they do not have restrictions.

One benefit of virtual dollar cards is that you do not have to go to a bank to get them. You can get a virtual dollar card via an app on your smartphone. Also, getting a virtual dollar card comes with ease, unlike a physical dollar card which you can use across Nigerian banks for making payments. But you need a domiciliary before you can have the card, which can be stressful with its documentation process.

Today, there are many in Nigeria providing virtual dollar cards for Nigerians. Therefore, you will always find one that perfectly meets your needs while you can decide to have multiple virtual dollar cards in Nigeria.

Criteria For Selecting Virtual Dollar Card Providers In Nigeria

There is a need to look at some features of virtual dollar card providers in Nigeria to make an apt decision on whether the product will suit your needs at the time of use.

1. Security

The security of payments or transactions must be paramount to any virtual dollar card provider, as nobody wants to risk the loss of money in the process of making online transactions. This is why you must take a keen look at the security framework put in place to ensure there is no data breach on your virtual card when you are using it online.

2. User-Friendliness

We all want to use a platform that has easy navigation without some complexity of features that would make such a platform unsuitable for beginners. So ensure you choose a virtual dollar card provider that has a simple and easy user interface that can help you achieve your payment process with little or no aid.

3. Accessibility

Your virtual card provider must meet some terms of accessibility with responsive customer support that is readily available to resolve your queries. Also, the virtual dollar card must avail you to make international transactions or payments without border or time restrictions.

4. Card Limit And Fees

These are a criterion you must take to the cognizance of to help you on how optimally the virtual dollar card is going to meet your online needs as far as making payments are concerned. While some cards have a card limit of $1000, others can be up to $10,000.

You must also take a look at the transaction fee to inform you of how much the virtual dollar card provider will charge you when you use the virtual dollar card for your transactions.

The Top 15 USD Virtual Cards That Work In Nigeria

Listed below are Nigeria’s best virtual dollar card providers that enable you to make online payments for products and services:

  1. Chippercash
  2. Cashbuddy
  3. Padiepal Master Card
  4. Payday virtual dollar card
  5. Fundall
  6. Bitsika virtual card
  7. Carbon
  8. Eyowo
  9. ALAT By Wema card
  10. Gomoney virtual card
  11. Mintyn
  12. WalletsAfrica
  13. Changera
  14. Kuda bank card
  15. Barter card By Flutterwave

Let’s take a deep dive into each of them to analyse the benefits and drawbacks so you can make the best decision in choosing which card is best for you.

1. Chipper Cash

Chipper Cash virtual dollar card

Chipper Cash provides virtual dollar cards that enable you to make online international transactions. You can fund a Chipper Cash Visa virtual dollar card from your Chipper wallet and this is free. You should know that the way you use this virtual card is analogous to the way of using physical credit or debit cards.

The maximum daily withdrawal on the Chipper virtual dollar card is $1,000, although there is no limit for a total withdrawal from the card. You can find your card with a funding daily limit of $1,000 and your maximum monthly withdrawal limit is $5,000. Need to mention that Chippercash is legit, in case you’re wondering.

2. CashBuddy

You can have a CashBuddy virtual dollar card that enables you to make payments on platforms like Apple Music, Facebook, Amazon, Instagram, and Skrill. As such you can use the platform to make and receive payments in Africa.

You will be charged $3 when you want to have a CashBuddy virtual dollar card, but the transactions are free. Your maximum funding of the virtual card is $10,000, both daily and monthly.

3. Padiepal Master Card

Padiepal is the final solution, the one stop shop for every corporate in need of an easy approach to cater their banking needs. The one stop solution for clients in need of a banking solution, completely online, debit cards and if required, a payment gateway for your ecommerce needs, international card processing. Padiepal market approach is focused on delivering services where the banking/fintech industry fails to cater.

4. Payday

You can use Payday to send and receive instant international payments. This platform also has a virtual dollar card for making international purchases and online payments at your convenience. Also, you can open foreign accounts in the currencies of US dollars, British pounds, and euros at no cost.

There are no funding or withdrawal limits when you use Payday virtual dollar card, which enables you to use the virtual card at your discretion. Moreover, Payday virtual dollar card review posits that a card is a great option for virtual card users.

5. Fundall

Fundall is a virtual dollar card provider in Nigeria that has a dollar-denominated virtual card that enables you to make international payments without cross-border restrictions.

You can create a virtual dollar card on the Fundall app, which is free for a first-time virtual card creation. Another feature of Fundall is that you can easily generate multiple virtual dollar cards to enable you to make a one-off payment for active transactions.

However, you need to fund your virtual dollar card with as low as $5 (in naira equivalent) to enable you to start using the virtual card.

6. Bitsika

Bitsika is a payment platform that enables you to send and receive money between Ghana and Nigeria. When you create a Bitsika account, you automatically have a Bitsika wallet that you can fund and use to make transfers to other Bitsika wallets or make other payments within Ghana, and by extension to Nigeria.

Bitsika has a virtual dollar card that enables you to make transactions, but you have to download a Bitsika app to get started.

7. Carbon

Carbon used to be a digital lender that has morphed into one of the top digital banks in Nigeria. You can now use Carbon for different payments and transactions. This includes money transfers, bills payment, instant loans, etc.

Carbon users can also use Carbon virtual dollar cards to make payments at online international trading platforms and other offline channels that support virtual dollar cards. The Getcarbon virtual card review underscores some level of confidence in using this platform for both local and international payments.

8. Eyowo

Eyowo is a fintech company dubbed a digital bank that enables its customers to send and receive money and make bill payments with their phone numbers. When you use Eyowo, you can access physical cash without necessarily having to use your ATM card.

This platform also offers a virtual dollar card which you can get for as low as $1, and there is no funding limit for your Eyowo virtual dollar card.

9. ALAT By Wema

ALAT virtual dollar card

ALAT virtual dollar card is a digitised card designed by ALAT, which is a digital platform regulated by Wema Bank. This virtual dollar card enables you to make purchases from international trading platforms like Facebook, Amazon, Shopify, etc.

You can create an ALAT virtual dollar card for free and you can fund your card for as much as $20,000, which you can do from your naira account. In the meantime, you can convert your dollars back to naira when you choose to do that.

10. Gomoney

Gomoney is a payment platform that enables peer-to-peer (P2P) payment and third-party services. You can easily use this platform at your convenience while making international payments.

To get a Gomoney virtual dollar card, you will have to upgrade your account to tier 2, and you can from here pay online (locally and internationally). However, your virtual dollar card limit is a function of the tier level of your Gomoney, which is why understanding the Gomoney virtual card review is important for its new users.

11. Mintyn Bank

Mintyn Digital Bank provides products and services that are in a way similar to that of traditional banks. One such is a virtual dollar card that enables you to shop for different products across the world.

You can use Mintyn’s virtual dollar card to send and receive money while you conveniently use international platforms like Facebook, Netflix, Amazon, Apple Music, etc. One major requirement of having a virtual dollar card on this platform is to fund your Mintyn account.

12. Wallets Africa

Wallets Africa is a platform that provides virtual and physical cards in naira and dollar denominations. Virtual dollar cards are helpful if you are a travelling enthusiast that considers physical cards unsuitable for your purpose.

Wallets Africa virtual dollar card is safe to use and the card comes with a monthly maintenance fee of $1. The platform also charges $0.75 as a fee for foreign transactions with a 2% fee to fund your virtual card from an external account.

13. Changera

Changera is a payment platform that provides various products and services, including virtual dollar cards. Changera customers can use the virtual dollar card to make different online payments on any trading platform across the globe, and Changera is worth the hype because of the low fees it charges when you use a Changera virtual card.

As a Changera user, you have the choice of accessing a varying model of its cards. Its users with a free plan can create virtual dollar cards to make payments for payments or other transactions.

14. Kuda

Kuda is a Nigerian digital bank that enables swift payment processes across Nigeria. One of its products is a virtual dollar card, which you can access on its mobile app. You can use Kuda virtual dollar card to send and receive money in US dollars instead of using a domiciliary account with traditional banks.

15. Barter By Flutterwave

Barter virtual dollar card

Flutterwave is a popular payment platform that has created a Barter app to enable fast money transfers. You can use this platform to buy cryptocurrencies, make money transfers, and whatnot. You are eligible to have a virtual dollar card once you have money in your account.

You must have a minimum of $5 in your account to create a Barter virtual dollar card. The cost of every virtual card is $2 with a monthly fee of $1 to get your card active.


Virtual dollar cards are great alternatives for making payments in online transactions. This is because this virtual card enables you to make purchases for your preferred products without restrictions.

Therefore, the above list of virtual dollar card providers in Nigeria has given you an overview of how to bolster online international transactions.

Unique Arbitrage Between Prepaid Cards, Debit Cards, And Credit Cards

Sequel to the advancement of the banking sector into a more digital and cashless industry, different types of cards have been initiated. Each of which possesses a distinct feature and purpose of usage. The most common types of cards are prepaid cards, debit cards, and credit cards, people often confuse these cards for the other.

When it comes to prepaid, debit, and credit cards, it’s important to note that these cards are not the same thing. However, they’re issued by companies like Visa, MasterCard, American Express, or Discover, but these three types of cards are quite different. One common thing about the three is that they’re all used for making purchases.

This article has demonstrated the differences between prepaid cards, debit cards, credit cards and also  how they’re used.

Prepaid Cards

A prepaid card is a plastic card that can be loaded with funds at any retail store and these cards aren’t linked to a bank account. The user can spend up to the amount of money on the card and reload them, depending on the type of card. These prepaid cards often come as gifts or rewards but people without any bank account can request and purchase them. Using a prepaid card, you just load money on the card and then use it to make purchases. Companies like Walmart, Visa, and Amazon issue these cards and they can only be accepted as a medium of payment by businesses or stores linked to the card. There is no interest fee on this card, though there may be some fees depending on the type of card, such as initial setup fee, monthly maintenance.

Debit Cards

A debit card is one of the most popular bank cards around. Debit cards are different from prepaid cards, this time around, it is connected to your bank account. When you swipe them, the money is debited to your bank account. Debit cards ensure quick transactions and give you the option to make purchases with their money in your account without the need for cash. Companies like Visa and MasterCard issue these cards through banks, to their customers. They can also be used in any store or business that accepts Visa card or MasterCard. There’s no interest rate charged for using this card but there are other fees that may come with card, such as maintenance fee, ATM fee etc

Credit Cards

A credit card Is another type of card which is different from your bank account and gives you the benefit to make purchases by borrowing from a credit limit, which is dependent on your credit score and other factors.

It is important to know that you will be assigned a credit limit(the maximum amount you can spend from the card) when approved for a credit card.  You can spend this amount regularly and pay back without interest, if and only if you pay back before the next billing period but if you default on the monthly regular payment, you will charged interest on the card balance and this could reduce your credit score.

For example, if you get a credit card with an N5,000 limit, this means you can spend up to N5,000 on the card. Though you can carry your remaining balance,(unpaid used money) over to the next month, you will be charged interest on the card balance until you pay it off. This is why it’s advised to buy only what you can afford to pay for within your billing period. Credit cards can help you build your credit score and demonstrate that you are a trustworthy borrower. Credit cards are issued by companies like Visa and MasterCard through banks, to their customers. These cards can be used to make transactions in any store that accepts Visa and MasterCard and it can attract extra charges like foreign transaction fee, late return payment, balance transfer etc.

How To Make money through affiliate marketing


Do you want to earn money online? Or rather do you want to learn about earning money through affiliate marketing? Affiliate marketing is a good way of bringing online finances. The tips of being successful through affiliate marketing can be learned, you must be committed to putting an effort in this task, it could take you a great amount of time. Here are 4 ideas you can put in place.

What is affiliate marketing?

Affiliate marketing is the that process where online company pay money to a website or individual for referring customers to them. For example, imagine Mr. A is selling book and he tells Mr.B “if you can bring me 10 customers to buy my book, I will give you $1 for each person you bring.” So Mr. B with this arrange goes to look for buyers and find, connect buyers to Mr. A and get his money.  That how affiliate marketing work and that is how easy it is to make money from it. But there are steps you need to take  and we have outlined them below.


How to make money through affiliate marketing

Here are steps to make money through affiliate marketing:

1. Find your target

The first thing to do as an affiliate marketer, is to identify your target audience. The job of affiliate marketers is to expose products to people and get them to develop interest in them. You need to decide where you will get your audience. You can use a blog, social media, Email campaigns and many more. After that you need to know exactly the type of products you want to advertise that your identified audience will love. By doing this you are able to know the profitability of the products you want to sell. In Summary, pick a niche! And find the audience audience!


2. Look for good products and services to sell

Remember that in step one you picked a niche and target audience. Now you will have to decide the product in this niche to market to your audience. For example, if your niche is Finance. There are many products in finance and many companies offering them. You need to research for the one with good conversion rate. The one that is more attractive and will be most beneficial to your audience.

In summary, you should consider going for products that offer value, have a reasonable price, and also offer adequate commissions that will make it worthwhile.


3. Learn how to make your own website

It is very advisable to have your own website to bring together your audience and products in one place. So build a website that talks about your niche. That will make it easy to get good products and get people to buy them. If your niche is insurance, create a website that you write about insurance. Promote your website and get people who are interested in insurance to become fond of your website and trust your authority on insurance.  Then you introduce the products you market which is insurance related, and you can be sure, you will get many conversion.

There are very good website builders today that automatically help you to build a website even if you don’t know anything about computer codes. One of the best website builders you can use are Wix and  Strinkingly. You don’t have to worry about it, they help and take you through.


4. Attract people to your website

It is important that there is traffic to your website, if there is no one visiting your website then it’s useless. The same way if you own a store, you want people to flood that is how tuning a website works, you need traffic of people. There are basically two methods to get traffic, free method and paid method.

So many people at first go for free traffic when the budget is not huge enough. However, as time goes by, they turn to paid traffic. Paid traffic is when your website is advertised on other online websites. You have to ensure that the products or services you market on your website are dependable and of good quality, things consumers cannot live without. This will increase traffic to your website. You can use Google Adword and Facebook to boost promote your website to get more views


5. Join Affiliate Marketing networks

One question we have not answered is: Where do you find products to promote? The first place to sort for products to market online are the different affiliate networks available to you. Affiliate networks are website that brings together many affiliate program for marketers to pick and market. Affiliate network also help you track your sales, collect money from product owners and pay to you. You can pick as many products as you want to and market. Here are the leading affiliate networks: Commision Junction, Linkshare, Amazon Affiliate, ShareASale, ebay Partner Newtork, ClickBank and many more


6. Be open to learning as much as you can

You can start by researching on the free information that is put out on the internet. There are are information everywhere. Look for them. Never stop reading and researching. Information change every day, keep up with the trend.

How to Make Money through Paypal

PayPal is one of the most popular and recognizable online payment platforms. According to Statista, there are over 390 million PayPal accounts worldwide as of 2021.

But PayPal isn’t just a popular payment solution to split a bill with friends or shop online. In fact, there are numerous ways to make money with PayPal if you want to make extra cash online.

And, if you want to increase your monthly income and earn real cash rather than free gift cards, leveraging PayPal to make extra money is one of your best options.

The Best Ways to Earn PayPal Money

There are plenty of legit ways to make money with PayPal. Some methods offer fast cash payouts whereas others require starting a more serious business.

Whatever you choose, remember to track your earnings because starting a side hustle can impact your taxes, and getting paid with PayPal doesn’t make you exempt from reporting additional income.

1. Try Fast-Paying Survey Websites

Answering online surveys isn’t usually worth it. This is because many survey sites have high redemption minimums, so it can take weeks or months to get paid.

But not all survey websites have unrealistically high redemption requirements. The options below have a history of paying customers.

You can try other survey websites too, like InboxDollars, since this platform also pays you through PayPal and has a $5 sign-up bonus. Just note that you need to earn $25 before cashing out with InboxDollars, which can take a few days.

Ultimately, answering online surveys isn’t a high-paying side gig. But if you want to earn free PayPal money while you watch TV or in your spare time, these survey websites let you quickly earn PayPal cash:

Survey Junkie

Another popular survey platform is Survey Junkie. Unlike Swagbucks, surveys are the only way to make money with Survey Junkie. But you can redeem earnings for PayPal cash once you earn $5, as well as various free gift cards.

Pinecone Research

You have to request to join Pinecone Research, so you might end up on a waitlist until this survey website needs more members. But once you’re a member, Pinecone Research sends you survey opportunities via email.

Every survey pays 300 points, which is worth $3. This rate is much higher than the average payout-per-survey on most platforms. You can also redeem points immediately for PayPal cash.


If you want another fast way to make PayPal cash, Swagbucks is the right platform. This rewards site lets you earn points for completing small tasks like answering surveys, downloading new mobile games, shopping online, and scanning grocery receipts.

You can redeem points for PayPal cash starting at $5, which is a realistic amount to make with Swagbucks in a day or two. If you don’t have enough points for PayPal, Swagbucks also has various gift cards starting at $1. But if you want to answer surveys and play games to earn PayPal cash, Swagbucks is one of the most popular options.


PrizeRebel lets you earn dozens of free gift cards and PayPal cash for answering surveys, downloading mobile games, and watching videos.

Surveys pay less than Pinecone Research and are usually in the $0.25 to $1 range, but you can join for free and there isn’t a waitlist. Prizes are redeemable once you earn $5, so you can get free PayPal money fast by using this website.

2. Use Cash-Back Reward Apps

One of the simplest ways to get free PayPal money is to use cash-back reward apps and websites. These platforms partner with brands and pay you to shop with cash back. Oftentimes, cash back you earn is redeemable for PayPal cash and various gift cards.

Several popular cash-back platforms you can use include:


Upside is another popular cash-back app that partners with more than 50,000 retailers, from household-name national chains to local favorites. You can earn rewards on eligible purchases of gas, groceries, clothing, durable goods, and much more, with no receipt-saving or coupon clipping required.

Upside’s rewards currency is versatile. You can redeem for PayPal cash if that’s your thing, or gift cards or bank account deposits if those are more your speed. Plus, you can double-dip on credit card and debit card rewards to earn even more.


Once you connect a credit or debit card to Dosh, the app tracks when you spend at partner brands and pays you cash back automatically. Dosh has hundreds of partners, including Dunkin’, Domino’s, Macy’s, Instacart, and Walmart.

You usually earn 0.5% to 2% cash back, but offers are subject to change and can reach 5% or higher.

Cash-back earnings deposit in your Dosh account, and you can redeem cash back through PayPal, direct deposit, or Venmo when you earn $25.



This popular rebate app lets you earn cash back for buying groceries, clothing, beauty products, electronics, and everyday essentials from over 300 retailers.

To use Ibotta, download the app and activate offers for products you want to buy. After shopping, snap a picture of your receipt with the Ibotta app to provide proof of purchase to earn cash back.

With partners like Best Buy, Kroger, Target, and Walmart, incorporating Ibotta into your shopping routine isn’t difficult. Ibotta lets you cash out through PayPal, direct deposit, and free gift cards once you earn $20.

Receipt Hog

If you want to earn rewards with almost any type of receipt, Receipt Hog is for you. This rewards app lets you take pictures of your shopping receipts in exchange for coins, which are redeemable for PayPal money and Amazon gift cards.

Some receipt types, like electronics or office supplies, grant you spins at Hog Slots instead of coins, which gives you the chance to win bonus coins and cash prizes. Similarly, receipts like gas station or restaurant receipts award you with sweepstake entries to win bonus coins.

It takes 1,000 coins, or $10, to cash out, and Receipt Hog is a slower earner than Ibotta. But, Receipt Hog is one of the most reliable ways to earn rewards for your shopping because it accepts almost any type of receipt.

Choosing a Cash-Back App

If you want to earn passive rewards, Dosh is the best app because you don’t have to activate offers before shopping.

If you don’t mind activating offers and do most of your household shopping, apps like Ibotta are superior because rebates usually pay more than Dosh.

Finally, you can upload most of your shopping receipts to Receipt Hog, even if you use Ibotta, to slowly earn rewards.

Just remember to only buy products you normally buy and to stick to a budget. Reward apps are useful for earning freebies, but they don’t help you save money if they encourage you to impulse shop for products you don’t actually need.

3. Start Freelancing

As a freelancer, you’re usually responsible for tracking your billable hours and invoicing clients every month. But, while some clients might pay you directly to your bank account, PayPal is still the payment method of choice for many freelancers and small businesses because of its availability and simplicity.

Additionally, there are numerous ways to become an online freelancer depending on your skills. Some popular freelancing jobs and average hourly rates include:

  • Graphic Design: Help clients with design tasks like website updates, brochures, business cards, and other promotional graphics; earn an average of $28.06 per hour according to the Bureau of Labor Statistics (BLS).
  • Programming: Create websites, apps, software for businesses; earn an average of $45.98 per hour according to the BLS.
  • Transcription: Copy audio recordings into written text as a transcriptionist; earn $15 per hour on average according to ZipRecruiter.
  • Tutoring: Teach subjects like English to online students across the world from your computer with online tutoring companies like EF Education First and VIPKid; earn an average of $20.44 per hour according to PayScale.
  • Writing: Write content like blog posts, news updates, and website copy for clients; earn $36.67 per hour on average according to the BLS.
  • Virtual Assistant Work: Assist with administrative tasks like scheduling appointments, email correspondence, bookkeeping, and making travel arrangements; earn an average of $18.95 per hour according to Indeed.

There are numerous freelance job websites where you can look for work. Websites like Upwork and Fiverr are fairly general and cater to most types of freelancers. By contrast, you can find industry-specific freelance websites, like TextBroker for freelance writing or Guru for programming.

Finding freelancer success takes time because you ideally want several clients to diversify your income. It can also take time to gradually increase your freelancer rates to charge clients more per hour or job.

But if your goal is to make money online or even start a new career, freelancing is your best bet. You can also start freelancing as a side gig while working your day job and make the switch to full-time freelancing when the income begins to outgrow your salary.

4. Shop Online and Earn PayPal Cash

Many popular shopping browser extensions automatically apply coupon codes and let you earn free gift cards for shopping. For example, Honey and Capital One Shopping both help you save at thousands of retailers and redeem gift cards with your cash-back earnings.

But if you want to earn real money for shopping, gift cards aren’t for you. Thankfully, several other shopping platforms let you cash out through PayPal after you earn cash back.


MyPoints is a paid survey website that lets you earn points for sharing your opinion and trying new mobile apps. But MyPoints also has an online shopping platform that lets you earn cash back from retailers like Amazon, Best Buy, Home Depot, and Walmart.

You can redeem cash back for a variety of gift cards at $5 or for PayPal cash at $25.

MyPoints also gives new members a free $10 Amazon gift card or $10 Visa gift card when they sign up and spend $20 or more through MyPoints at an eligible retailer.


With Rakuten, you earn cash back for shopping at thousands of retailers, including Kohl’s, Macy’s, Nike, Old Navy, Target, and Walmart.

Cash back you earn appears in your Rakuten account balance. You get paid quarterly through PayPal or check as long as you have at least $5 in your balance.

Rakuten usually pays sign-up bonuses between $10 and $20 after you create an account and complete your first cash-back offer.


TopCashback is similar to Rakuten and lets you earn cash back at thousands of retailers like Amazon, CVS, Home Depot, Sephora, Staples, and Walmart. You can cash out at any time, and reward options include direct deposit, PayPal cash, and free gift cards.

Like Rakuten, TopCashback also has a browser extension you can use to automatically earn cash back when you shop at a partner, so you never miss out on rewards.

Note: It’s worth checking all three shopping platforms because cash-back rates and retailers are subject to change. So, while TopCashback might have the best Target offer one week, Rakuten or MyPoints might pay more another week, making it worthwhile to shop around.

5. Sell Stuff Online

If it’s been a while since you did some spring cleaning, there’s a chance you’re sitting on a stash of potential PayPal cash.

Selling stuff online is a side hustle that’s existed since the Internet began. But many online marketplaces like Amazon, eBay, and Craigslist aren’t always PayPal-friendly.

For starters, Amazon doesn’t pay sellers with PayPal. Similarly, Craigslist is mostly for in-person cash sales. Finally, while eBay does accept PayPal as a payment method, it also accepts credit cards and pays sellers differently depending on the customer’s purchasing method.

That said, you can still sell stuff for PayPal cash on other online marketplaces. Some popular goods to sell and the corresponding marketplace to use include:

  • Clothing. Sell designer, streetwear, and vintage pieces on Depop and get paid through PayPal.
  • Cellphones. Turn your smartphone into cash with SellCell.
  • Home Decor and Furniture. Sell used and vintage furniture and home decor with Chairish.
  • Laptops. Sell used laptops for PayPal cash with Decluttr.

It’s still worth exploring other marketplaces like Amazon and eBay because they let you access millions of worldwide buyers. Additionally, getting paid with direct deposit shouldn’t be much different than getting PayPal cash in terms of how you access your funds.

Ultimately, selling stuff online is a quick way to make some extra cash on the side. Once you run out of inventory to sell, you can always try side hustles like thrift store flipping or retail arbitrage and buy merchandise to resell online.

6. Make Money Testing Websites

Becoming a website tester is another way to earn PayPal money in your spare time. And, the best part is that you don’t need prior quality assurance experience or the ability to program websites to start.

Numerous companies pay people to test apps and websites on behalf of clients. As a tester, your job typically involves completing a set of tasks the client outlines, like creating a new online account or adding a product to your shopping cart.

Testers voice their thoughts aloud as they complete tasks and give as much feedback as possible. The end goal is to help clients improve their app or website’s usability to create a better user experience.

Website testing gigs normally take between 10 to 20 minutes and pay $10 to $15. Occasionally, certain companies also offer longer testing sessions that usually pay $50 or more per hour, but these are rare.

Some companies also require having an external computer microphone, but other than that, a strong Internet connection and spare time for testing are all you need to become a website tester.

Some leading companies that offer website testing gigs include:

  • User Testing: Pays $10 per tests; tests typically take 20 minutes; earn up to $120 for live hour-long testing sessions with clients; requires an external microphone.
  • TryMyUI: Pays $10 per test; tests typically take 20 minutes; doesn’t require an external microphone.
  • Userlytics: Earn approximately $10 per test; tests typically take 20 minutes; some longer sessions can pay $60 or more; doesn’t require an external microphone.
  • PlaytestCloud: Earn approximately $9 per test; tests take around 15 minutes; mostly testing mobile apps instead of websites; doesn’t require an external microphone.

Most testing opportunities are available in North America and Europe. Once you sign up as a tester with a company, you receive email invitations when testing opportunities are available.

Testing gigs are on a first-come, first-serve basis, so it’s important to check your email and quickly claim testing gigs before other testers snag the jobs.

Because of the competition between testers, it’s unlikely you can earn more than extra grocery money each month with these companies. Ultimately, testing websites is a fun way to make PayPal cash in your extra time. But if you want to quit your day job with a new side hustle, this isn’t the gig for you.

7. Start an Online Business

PayPal is one of the most popular payment processing options for businesses alongside competition like Square and Stripe. Therefore, it’s no surprise e-commerce operations frequently use PayPal to accept payment from customers.

Two popular platforms that integrate with PayPal are Shopify and WooCommerce for WordPress. If you sell physical or digital products, you can start a storefront with either solution and safely process payments from customers using PayPal.

Examples of products or services you can sell include:

  • Apparel and accessories
  • Craft kits, like supplies to make candles or DIY bath bombs
  • Digital downloads, such as art prints or printable documents like a budget tracking sheet or meal planning sheet
  • Home decor items
  • Online coaching services
  • Personalized gifts like custom bookmarks or pins
  • Subscription boxes
  • Your own course

Deciding what to sell online largely depends on your interests and what you’re capable of creating. But, it’s possible to turn a hobby into a business by selling online.

Selling on Etsy is another popular choice for selling handmade goods, although Etsy doesn’t accept PayPal in every region. However, Etsy can pay store owners through direct deposit, so this isn’t typically a dealbreaker.

The bottom line is that launching an online store doesn’t have many barriers to entry. The hardest part of online selling is attracting customers to your storefront and convincing them to buy, not setting up your store. This is why learning how to use social media marketing to drive sales and properly pricing your products is critical for success.

You can start an online business while holding down your day job and treat the work as a side hustle. As your business grows, you can potentially hire help or even take your online store full-time depending on your monthly profit.

8. Try Fitness Apps That Pay

Health care is expensive, and costs continue to rise. According to the American Medical Association, U.S. health spending increased by 4.6% in 2019 to nearly $11,600 per capita.

It’s also clear that staying healthy is important for both our wallets and happiness. And, one of the best ways to remain healthy is to regularly exercise. According to a 2021 study in the Journal of Comprehensive Physiology, physical activity is one of the best ways to prevent and delay the onset of chronic diseases.

The good news is that you can also get paid to stay fit with fitness apps. Various apps let you bet money on yourself to reach a certain fitness goal within a certain time frame.

Goals typically involve losing a certain amount of weight or reaching a weekly step goal. In exchange for reaching your goal, you win back your initial bet plus interest, letting you earn PayPal cash for getting in shape.

Popular fitness apps where you can win PayPal cash include:


With DietBet, you join weight loss challenges with groups of other players. The most popular game, Kickstarter, requires losing 4% of your total body weight within one month. The other game, Transformer, gives participants six months to lose 10% of their body weight.

Games usually cost $40 to enter, although Transformer games can cost several hundred dollars to enter. If you successfully reach your weight loss goal by the end of the challenge, you split the prize pot of entry fees with the remaining players.

Usually, this means DietBet winners earn $20 to $100 in profit for completing a DietBet challenge. You can use winnings to enter another game or get PayPal cash.


Like DietBet, HealthyWage lets you bet on yourself to lose weight. However, you’re not competing against a pool of players, just yourself. You decide on your weight loss target, time frame, and how much money you bet each month.

Your potential prize depends on how aggressive your goal is, how much you bet, and other variables like your starting weight, height, age, and gender. You can use HealthyWage’s calculator to estimate how much you can win, and you must bet at least $100. Additionally, your goal must be at least 10% of your body weight and be no shorter than six months.

HealthyWage pays out through check or PayPal.


WayBetter, the parent company behind DietBet, also lets players earn PayPal cash for winning step-based challenges through StepBet.

The process is almost identical to DietBet: simply buy-in to a step challenge, reach the end with winning players, and split the prize pool. Most games are six weeks long and have a $40 entry fee.

StepBet connects to fitness tracking devices like FitBit or fitness apps like Google Health to calculate a weekly step goal for you based on your historical activity levels. This could mean reaching 10,000 steps every day for a week or something more challenging if you’re very active.

Winning players usually earn $10 to $20 of profit. StepBet also pays winnings with PayPal.

Choosing a Fitness App

HealthyWage has the highest earning potential out of these fitness apps. If you want less financial risk but still want motivation to lose weight, DietBet is a happy medium. Finally, StepBet is your best option if you want to stay active but don’t want to lose weight.

The real prize you get with these apps is the encouragement to stay active; getting free PayPal money is just the cherry on top.

9. Rent Out Assets for Money

Most methods of earning PayPal cash require putting in some effort. But if you have a busy day job or already work a part-time job, taking on another side hustle might be impossible.

Thankfully, one way to earn passive income through regular PayPal payments is to rent out assets you own. There are numerous rental marketplaces where you can rent things to people in your city to make extra cash.

Rental categories and marketplaces you can try include:

  • Airbnb. Make money as an Airbnb host by renting out a spare room or your entire place, or providing local experiences and tours for renters. Hosts set their own nightly prices; most hosts pay 3% in fees per renter. Airbnb pays hosts using direct deposit and also offers PayPal in some regions.
  • You can earn extra money by renting out storage space in your home. It could be space in your basement, garage, or even a storage shed.
  • Getaround. Make extra money with your car by renting it on Getaround. Hosts earn 60% of rental income; Getaround pays through check or PayPal.
  • SpinLister. Rent out your bike, surfboard, snowboard, or skiing equipment. Set your own hourly, daily, or weekly rental prices. SpinLister pays through check or PayPal.
  • StyleLend. Rent out designer accessories, clothing, handbags, and shoes. Earn 80% of your rental price. StyleLend pays through PayPal or Venmo.

These are a few rental ideas to start with. You can also use general rental marketplaces like Fat Llama and rent out assets like camera equipment, drones, electronics, musical instruments, and vehicles. Fat Llama charges lenders a 25% fee and pays with direct deposit.

Renting out assets for money is typically easier in larger cities because you have access to more potential renters. But the bottom line is that creating a rental income source that pays you with PayPal or direct deposit is your best choice if you want to limit how much time you spend on a new side hustle.

10. Mystery Shopping Gigs

Mystery shopping jobs have been around for decades and provide companies with an unbiased view of how their customer service and product quality hold up.

Typically, mystery shopping jobs require completing simple tasks like:

  • Asking a store employee for help
  • Buying a specific product in-store
  • Ordering food and rating the quality
  • Taking photos of store aisles, bathrooms, and promotional displays
  • Testing specific products and giving your feedback

Today, you don’t need to join a mystery shopping company or interview to become a secret shopper. Instead, you can use mystery shopping apps to start a new side hustle that pays you with PayPal cash.

Generally, larger cities have more mystery shopping gigs than smaller towns. But even smaller markets can have gigs, so it’s worth checking a few mystery shopping apps to find earning opportunities in your area.

Some leading mystery shopping apps include:

Field Agent

This leading mystery shopping platform has over 1 million shoppers in seven countries. On Field Agent, you can find local mystery shopping gigs on the in-app map.

Gigs usually involve auditing stores for cleanliness and how nice store displays are, rating customer service, or buying certain products and providing feedback.

You typically earn a few dollars for completing a mystery shopping gig, but there’s no minimum payout requirement. Field Agent pays with direct deposit but can also pay through PayPal if you have a PayPal Cash Plus account.


Gigwalk is another popular mystery shopping app that’s available in seven countries. Most of its mystery shopping gigs are available in the United States and Canada, and gigs are similar to ones on Field Agent.

Gigwalk also has many real estate tasks, like taking photos of apartment buildings and verifying how many floors they have.

According to Gigwalk, gigs pay anywhere from $3 to $100. However, most gigs are in the $3 to $10 range. You can redeem your earnings for PayPal cash when you reach $35.


While Shopkick isn’t exclusively for mystery shoppers, this rewards app is one of the most comprehensive apps that pays you for shopping.

With Shopkick, you can earn kicks, the in-app points system, for mystery shopping tasks like scanning product barcodes or finding a certain product in-store.

You can also earn kicks for walking into stores, shopping with a linked credit or debit card, watching videos, or shopping online through Shopkick’s app.

Kicks are redeemable for free PayPal cash or gift cards. You need $5 to redeem with PayPal.

Final Word

Some methods of earning PayPal money involve using websites and apps that pay you small amounts of money for completing short online gigs.

By contrast, other PayPal moneymakers like starting an online business are more serious work that can pay above minimum wage and even become a full-time job.

Choosing the right PayPal gig depends on your income goals and skills. Consider how much money you want to earn per month, how many hours you can work, and what type of jobs you might enjoy before picking a way to make money with PayPal.


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