When you’re ready to shop for global fashion but your card keeps getting declined, this guide will show you exactly how Nigerians can shop on SHEIN from Nigeria, smoothly, confidently, and without payment fear, using the EverTry virtual dollar card.
SHEIN’s global rise and why Nigerians are joining in
SHEIN is fast becoming one of the most downloaded fashion apps in the world. In 2025, it recorded about 85.7 million app downloads (as of July) globally.
It offers trend-driven, affordable styles, with a wide variety and frequent promotions. That appeals strongly if you’re in Nigeria and looking for global fashion without local mark-ups.
Fashion in Nigeria is going digital
Nigeria’s online shopping scene is growing. Cash transactions are dropping as more people use digital payments. For example, cash made up ~40 % of Nigeria’s point-of-sale value in 2024, down from ~91 % in 2019.
That means more Nigerians are comfortable buying online, and that includes international stores like SHEIN.
The Payment Problem: Why Most Nigerians Can’t Shop Smoothly on SHEIN
Naira cards and the international payment barrier
Many Nigerian debit/credit cards denominated in naira struggle with international payments. Banks sometimes block them or impose foreign-spend limits. Also, some global merchants don’t accept naira-cards because of FX, network, or settlement issues.
One recent article noted Nigerian banks slashed foreign spending limits (e.g., to US $500/month or even US $200) for overseas card use.
“Your payment was declined” — what this really means on SHEIN
When you attempt payment on SHEIN and see “payment declined”, it may not be your fault. It could be:
- the card network or bank blocking foreign currency spending,
- The merchant (SHEIN) does not support that card type or regional bank,
- or foreign-exchange / central-bank rules restricting the transaction.
This is a huge pain for Nigerian shoppers.
The partial return of international card payments — but with a catch
Recently, some Nigerian banks announced that naira cards “now work for international transactions”. In practice, though, only certain merchants are covered, some transactions still fail, and spending limits may apply.
So yes, it’s a step forward, but for a global store like SHEIN, many Nigerians still find payments failing or restricted.
Why EverTry Is the Most Reliable Way to Pay on SHEIN from Nigeria
A truly global virtual dollar card
EverTry issues a virtual dollar card that works like a normal international card. It’s funded either with naira (converted) or USDT (crypto) and can be used for global merchants, including SHEIN, Netflix, AliExpress, and more.
There’s no switching between currencies mid-checkout, no surprise FX issues, and fewer declines.
EverTry vs. traditional naira cards
| Feature | Traditional Naira Card | EverTry Virtual Dollar Card |
|---|---|---|
| Merchant acceptance (global) | Limited, prone to decline | High, built for global usage |
| Currency settlement | Naira → FX conversion, risk of decline | Dollar-denominated from start |
| Funding options | Bank account only | Naira bank transfer and USDT crypto funding |
| Setup & speed | Varies by bank | Instant issuance in app |
| Decline risk | High for international checkout | Much lower — designed for that use |
Seamless funding and fast setup
With EverTry you simply: sign up → verify your identity → fund your wallet (naira or USDT) → create a virtual dollar card. No long waiting times. Once your card is ready, you’re set to check out on SHEIN from Nigeria without the usual card drama.
Step-by-Step: How to Use EverTry to Shop on SHEIN from Nigeria
Step 1: Create and verify your EverTry account
Download the EverTry app (iOS or Android). Sign up with your details, complete the KYC (e.g., identity document, selfie). It’s quick and straightforward.
Step 2: Fund your EverTry wallet
Choose your funding method:
- Naira funding: Transfer from your Nigerian bank account into the EverTry wallet.
- USDT funding: If you hold USDT (Tether), you can deposit via crypto address.
The benefit: whichever you choose, you’re ready to spend in dollars (USD) with your card.
Step 3: Create your virtual dollar card
Once your wallet is funded, issue your virtual dollar card in the app. You’ll get card details (number, expiry, CVV) instantly.
Step 4: Add your EverTry card to the SHEIN checkout
- On mobile: Open the SHEIN app → browse items → add to cart → checkout → payment method → add new card → enter your EverTry card details.
- On desktop: Go to the SHEIN website → login → checkout → payment method → select credit/debit card → input EverTry card.
When selecting currency, choose USD (or default), and proceed. Since EverTry is dollar-denominated, you avoid the naira-card foreign payment trap.
Now you’re ready to click “Place Order” – no more “card declined” panic.
Navigating SHEIN as a Nigerian Shopper
How to create your SHEIN account
Install the SHEIN app (or go to the website). Register with your email or phone number. When asked for the region, choose Nigeria. Confirm your shipping address clearly (see below).
Shipping to Nigeria — how it works
Select the shipping address in Nigeria. Typical delivery times vary depending on your location, import routes, and clearance.
Tip: Use a clearly formatted Nigerian address, include your phone number for courier contact, and ensure you’re aware of potential customs/import duties.
Understanding sizing, reviews, and returns
Sizes on SHEIN can differ from Nigerian/local brands. Read product reviews, check model size, and look at customer photos. For returns: locate the “Return” section in the SHEIN app, follow instructions within the allowed time window.
Using coupons and stacking deals
SHEIN frequently offers promo codes and time-limited flash sales (e.g., 50 % off). Add your favorite items to your cart and wait for the sale days. When you’re ready to pay, use your EverTry card to avoid payment issues.
Customs and import duties explained
When buying internationally, your package may attract customs duties or charges in Nigeria. Usually small, but factor them into your total cost. Being aware avoids surprises.
Payment FAQs and Troubleshooting for Nigerians
Why is my card declined on SHEIN Nigeria?
Common reasons: card is naira-denominated and foreign merchant doesn’t accept it; bank has foreign transaction restrictions; currency conversion errors; wrong region setting.
Solution: Use the EverTry virtual dollar card, designed for global merchants and fewer declines.
Can I use a prepaid or virtual card on SHEIN?
Yes — EverTry is a virtual card. It behaves exactly like a normal international card for checkout. Just ensure it’s funded.
What currency should I choose when paying?
Choose USD (or default). Avoid “convert to Naira” at checkout if offered, because that may incur higher fees and risk decline. Since your EverTry card is dollar-denominated, USD is the smart choice.
Safety Tips for Shopping on SHEIN
Always use secure payment options (like EverTry)
Avoid sharing card details on insecure WiFi. Use the EverTry app to monitor transactions. If you see any unusual charges, report them immediately.
Verify your shipping address
A wrong or incomplete address delays delivery or attracts returns. Use your correct Nigerian address, phone number, and local area code.
How to track your order and handle returns
Use the tracking link provided by SHEIN. If there’s a problem (wrong size, damaged item), initiate a return within the timeframe SHEIN allows. Keep communications and take pictures of the item.
Bonus: Pro Tips to Save More and Shop Smarter
Best times to shop on SHEIN
Watch for big sale events like Black Friday, Cyber Monday, and SHEIN’s own seasonal deals. These are the best times to place orders with your EverTry card and maximize value.
Combine small orders into one shipment
Rather than ordering many small parcels, bundle items into one order. You save on shipping and reduce customs/import duties.
Always check sizing reviews before buying
Read the “Rate & Review” section on each product. Many Nigerian shoppers share how the item fits, and use that insight.
Start Shopping on SHEIN the Smart Way
Your fashion shouldn’t be limited by your card. With SHEIN, the world is your wardrobe — and with EverTry, your payments just work.
Download the EverTry app today, get your virtual dollar card in minutes, and start shopping on SHEIN from Nigeria with confidence. No more “why is my card declined on SHEIN Nigeria” anxiety.
Let’s make global fashion easy.