To my knowledge earlier I thought PayPal is the best payment method not until now that you made mention of the restrictions to having access. I suggest you use Mara Wallet,the first Africa's online payment.
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That's true, for me I don't really like PayPal account, I'll prefer cryptocurrencies because PayPal have a lot of rules, you can be banned for a unknown reason.I've heard PayPal is the best online payment method used, but i don't like it because of it's too many restrictions. You could try crypto currency payment method.