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How to Earn in Dollars from Africa: Country-Specific Guides for Nigeria, Ghana, South Africa and Kenya

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Mainstack Editorial Team
August 26, 2025
10 min read

Today’s global economy offers African entrepreneurs, freelancers, and businesses a chance to earn in dollars, euros, and other major currencies by serving international clients. But getting paid isn’t always easy.

The rise of digital platforms, remote work, and e-commerce has made it possible for a Nigerian graphic designer, a Ghanaian consultant, a South African developer, or a Kenyan tutor to tap into international markets. However, one persistent hurdle stands in the way: getting paid. For many African professionals, creators, and business owners, accepting international payments remains a complex and costly process due to limited access to global payment platforms, high fees for currency conversions, restrictive banking regulations, and delays that disrupt cash flow. 

This guide zeroes in on four key African markets; Nigeria, Ghana, South Africa, and Kenya, exploring the specific obstacles they face in 2025 and offering practical, country-tailored solutions to help businesses and individuals earn easily in dollars. With Africa’s digital economy projected to contribute $180 billion to GDP before the last quarter of 2025, the demand for effective payment solutions has never been higher. 

Let’s break down the latest challenges and how to overcome them.

Country-Specific Challenges & Solutions

Nigeria: Overcoming Payment Barriers in a Fintech Powerhouse

Nigeria’s fintech scene is flourishing like never before. Transaction values in digital payments are expected to hit $137.20 billion in 2025, yet earning in dollars remains a struggle for many entrepreneurs and freelancers. The country’s massive population and creative talent pool make it a hotspot for global opportunities, but payment barriers hold it back.

Latest Challenges Nigerian Businesses Face in 2025:

  • PayPal Restrictions Persist: Despite years of advocacy, PayPal still limits Nigerian users to sending payments only, with no option to receive funds directly. This forces many to rely on workaround accounts in other countries, risking bans or freezes.
  • Tight Foreign Exchange Controls: The Central Bank of Nigeria (CBN) continues to impose strict forex regulations, with the naira’s volatility (devalued over 70% since 2023) and official rates lagging behind parallel markets, making USD access a bureaucratic nightmare.
  • High Conversion Fees: Converting USD to naira through banks or local processors often incurs fees of 5–10%, eating into profits for freelancers and small businesses.
  • Processing Delays: International bank transfers can take days to clear, disrupting cash flow for Nigeria-based entrepreneurs juggling global gigs.
  • Rising Compliance Costs: New anti-money laundering (AML) rules in 2025 require additional documentation for cross-border transactions, slowing down small businesses without dedicated finance teams.

Solutions for Nigerians to Receive International Payments:

  • Use a platform like Mainstack to receive USD, GBP, and EUR payments directly, bypassing PayPal’s receive-function ban.
  • Benefit from instant payment processing. Funds hit your account in hours, not weeks, keeping your business running smoothly.
  • Avoid complex compliance hurdles with a platform that handles AML and forex regulations on your behalf.

For a Nigerian content creator selling digital courses to U.S. clients, this means no more begging friends abroad for account favors, just direct dollar earnings with fast, affordable withdrawals.

Ghana: Navigating Mobile Money and Global Gaps

Ghana’s digital economy is thriving, with mobile money transactions hitting 82% of GDP in recent years. Yet, for all its progress, earning in dollars from international clients remains elusive for many Ghanaians.

Latest Challenges Ghanaian Businesses Face in 2025:

  • Mobile Money’s USD Disconnect: Platforms like MTN Mobile Money and Vodafone Cash dominate locally but lack native support for USD payments, forcing businesses to convert earnings through expensive channels.
  • Domiciliary Account Barriers: Opening a USD domiciliary account with banks requires high minimum balances (often $500+) and extensive paperwork, out of reach for small traders in Accra.
  • Limited Platform Access: Global players like PayPal and Stripe have patchy availability—PayPal restricts receiving funds, and Stripe isn’t fully operational in Ghana as of 2025.
  • Forex Fee Spikes: With the cedi depreciating (down 25% against the USD since 2023), banks and forex bureaus charge 6–8% conversion fees, shrinking profits.
  • Cross-Border Delays: International wire transfers to Ghanaian banks can take 7–10 days, a headache for consultants needing quick payouts.

Solutions for Ghanaians to Receive International Payments:

  • Accept USD payments through Mainstack without needing a domiciliary account—just link your existing Ghanaian bank or mobile wallet.
  • Withdraw earnings directly to MTN Mobile Money or local accounts with lower fees than traditional forex channels.
  • Integrate payment tools with invoicing, storefronts, and subscriptions, streamlining operations for a Kumasi-based freelancer serving European clients.
  • Get funds in real-time, avoiding the week-long waits of wire transfers.

A Ghanaian graphic designer can now invoice a Canadian client in USD, all without wrestling with bank bureaucracy.

South Africa: Breaking Free from Local Payment Constraints

South Africa boasts Africa’s largest e-payments market, projected at $5 billion before the end of 2025, but its businesses still face hurdles when earning dollars from abroad despite its advanced infrastructure.

Latest Challenges South African Businesses Face in 2025:

  • Local Payment Preference: Clients within South Africa lean heavily on EFT and gateways like PayFast or Yoco, which aren’t optimized for international buyers, limiting global reach.
  • High Forex Fees: Converting USD to ZAR through banks like Standard Bank or FNB carries fees of 3–5%, plus hidden spreads, cutting into earnings for Cape Town startups.
  • Regulatory Bottlenecks: The South African Reserve Bank (SARB) enforces strict exchange controls—businesses must declare foreign income and face delays in approvals, especially for amounts over ZAR 1 million annually.
  • Slow Cross-Border Transfers: International payments can take 3–7 days to process, a problem for Johannesburg developers on tight project schedules.
  • Tax Compliance Pressure: New 2025 SARS rules demand detailed reporting on foreign earnings, adding admin burdens for SMEs.

Solutions for South Africans to Receive International Payments:

  • Accept payments in USD and 135+ currencies via Mainstack, unrestricted by buyer location, bridging the gap between local and global markets.
  • Withdraw to South African bank accounts in 24–48 hours, faster than standard wire transfers.
  • Simplify tax reporting with a platform that tracks and categorizes foreign income automatically.

A South African app developer can now charge a U.S. client in dollars, convert at a fair rate, and avoid the SARB’s red tape, all in a day’s work.

Kenya: Bridging M-Pesa’s Global Divide

Kenya’s M-Pesa is a global mobile money icon, with 34 million users, but its local dominance doesn’t fully translate to earning dollars internationally.

Latest Challenges Kenyan Businesses Face in 2025:

  • M-Pesa’s International Limits: While M-Pesa supports some cross-border transfers, it’s not built for direct USD payments from foreign clients, requiring costly workarounds.
  • PayPal Withdrawal Costs: Linking PayPal to M-Pesa incurs fees of 3–4% per withdrawal, plus a $35 minimum charge, hitting Nairobi freelancers hard.
  • Forex Restrictions: The Central Bank of Kenya caps USD transactions for individuals and small businesses, with new 2025 rules tightening scrutiny on forex inflows.
  • Banking Delays: USD transfers to Kenyan banks like KCB or Equity Bank can take 5–10 days, stalling cash flow for e-commerce sellers.
  • Platform Gaps: Stripe remains unavailable in Kenya, and PayPal’s receive function is limited, leaving few options for global payments.

Solutions for Kenyans to Receive International Payments:

  • Accept payments in USD and 135+ currencies directly through Mainstack, skipping M-Pesa’s conversion hassles.
  • Withdraw to Kenyan banks or M-Pesa wallets quickly, outpacing PayPal’s rates.
  • Eliminate the need for costly PayPal-to-M-Pesa transfers with direct, real-time payouts.
  • Scale without forex caps, as the platform manages compliance seamlessly.

A Kenyan online tutor can now earn dollars from U.S. students and get paid in M-Pesa instantly, dodging the old fee traps.

These challenges aren’t just inconveniences, they’re costing African entrepreneurs millions in lost revenue and wasted time.

Mainstack offers a unified solution tailored to these realities. It empowers businesses in Nigeria, Ghana, South Africa, and Kenya to accept international payments without jumping through hoops like foreign account setups or complex registrations. 

With support for 135+ currencies, competitive exchange rates, and withdrawals to local banks or mobile wallets, it cuts costs and speeds up cash flow. Plus, its integration with tools for invoicing, storefronts, and bookings makes it a one-stop shop for global expansion.

Africa’s digital payments market is set to soar as Statista projects $611.20 billion by 2029, with remittances hitting $96 billion in 2023. Yet, without the right tools, businesses in Nigeria, Ghana, South Africa, and Kenya risk missing out. The AfCFTA is boosting intra-African trade by 52% by 2030, but global earnings are the next frontier. Platforms like Mainstack remove the old barriers, letting you control your financial future.

Sign up today for free and enjoy the benefits of earning internationally that cuts across borders, country restrictions, and high fees. 

Today’s global economy offers African entrepreneurs, freelancers, and businesses a chance to earn in dollars, euros, and other major currencies by serving international clients. But getting paid isn’t always easy.

The rise of digital platforms, remote work, and e-commerce has made it possible for a Nigerian graphic designer, a Ghanaian consultant, a South African developer, or a Kenyan tutor to tap into international markets. However, one persistent hurdle stands in the way: getting paid. For many African professionals, creators, and business owners, accepting international payments remains a complex and costly process due to limited access to global payment platforms, high fees for currency conversions, restrictive banking regulations, and delays that disrupt cash flow. 

This guide zeroes in on four key African markets; Nigeria, Ghana, South Africa, and Kenya, exploring the specific obstacles they face in 2025 and offering practical, country-tailored solutions to help businesses and individuals earn easily in dollars. With Africa’s digital economy projected to contribute $180 billion to GDP before the last quarter of 2025, the demand for effective payment solutions has never been higher. 

Let’s break down the latest challenges and how to overcome them.

Country-Specific Challenges & Solutions

Nigeria: Overcoming Payment Barriers in a Fintech Powerhouse

Nigeria’s fintech scene is flourishing like never before. Transaction values in digital payments are expected to hit $137.20 billion in 2025, yet earning in dollars remains a struggle for many entrepreneurs and freelancers. The country’s massive population and creative talent pool make it a hotspot for global opportunities, but payment barriers hold it back.

Latest Challenges Nigerian Businesses Face in 2025:

  • PayPal Restrictions Persist: Despite years of advocacy, PayPal still limits Nigerian users to sending payments only, with no option to receive funds directly. This forces many to rely on workaround accounts in other countries, risking bans or freezes.
  • Tight Foreign Exchange Controls: The Central Bank of Nigeria (CBN) continues to impose strict forex regulations, with the naira’s volatility (devalued over 70% since 2023) and official rates lagging behind parallel markets, making USD access a bureaucratic nightmare.
  • High Conversion Fees: Converting USD to naira through banks or local processors often incurs fees of 5–10%, eating into profits for freelancers and small businesses.
  • Processing Delays: International bank transfers can take days to clear, disrupting cash flow for Nigeria-based entrepreneurs juggling global gigs.
  • Rising Compliance Costs: New anti-money laundering (AML) rules in 2025 require additional documentation for cross-border transactions, slowing down small businesses without dedicated finance teams.

Solutions for Nigerians to Receive International Payments:

  • Use a platform like Mainstack to receive USD, GBP, and EUR payments directly, bypassing PayPal’s receive-function ban.
  • Benefit from instant payment processing. Funds hit your account in hours, not weeks, keeping your business running smoothly.
  • Avoid complex compliance hurdles with a platform that handles AML and forex regulations on your behalf.

For a Nigerian content creator selling digital courses to U.S. clients, this means no more begging friends abroad for account favors, just direct dollar earnings with fast, affordable withdrawals.

Ghana: Navigating Mobile Money and Global Gaps

Ghana’s digital economy is thriving, with mobile money transactions hitting 82% of GDP in recent years. Yet, for all its progress, earning in dollars from international clients remains elusive for many Ghanaians.

Latest Challenges Ghanaian Businesses Face in 2025:

  • Mobile Money’s USD Disconnect: Platforms like MTN Mobile Money and Vodafone Cash dominate locally but lack native support for USD payments, forcing businesses to convert earnings through expensive channels.
  • Domiciliary Account Barriers: Opening a USD domiciliary account with banks requires high minimum balances (often $500+) and extensive paperwork, out of reach for small traders in Accra.
  • Limited Platform Access: Global players like PayPal and Stripe have patchy availability—PayPal restricts receiving funds, and Stripe isn’t fully operational in Ghana as of 2025.
  • Forex Fee Spikes: With the cedi depreciating (down 25% against the USD since 2023), banks and forex bureaus charge 6–8% conversion fees, shrinking profits.
  • Cross-Border Delays: International wire transfers to Ghanaian banks can take 7–10 days, a headache for consultants needing quick payouts.

Solutions for Ghanaians to Receive International Payments:

  • Accept USD payments through Mainstack without needing a domiciliary account—just link your existing Ghanaian bank or mobile wallet.
  • Withdraw earnings directly to MTN Mobile Money or local accounts with lower fees than traditional forex channels.
  • Integrate payment tools with invoicing, storefronts, and subscriptions, streamlining operations for a Kumasi-based freelancer serving European clients.
  • Get funds in real-time, avoiding the week-long waits of wire transfers.

A Ghanaian graphic designer can now invoice a Canadian client in USD, all without wrestling with bank bureaucracy.

South Africa: Breaking Free from Local Payment Constraints

South Africa boasts Africa’s largest e-payments market, projected at $5 billion before the end of 2025, but its businesses still face hurdles when earning dollars from abroad despite its advanced infrastructure.

Latest Challenges South African Businesses Face in 2025:

  • Local Payment Preference: Clients within South Africa lean heavily on EFT and gateways like PayFast or Yoco, which aren’t optimized for international buyers, limiting global reach.
  • High Forex Fees: Converting USD to ZAR through banks like Standard Bank or FNB carries fees of 3–5%, plus hidden spreads, cutting into earnings for Cape Town startups.
  • Regulatory Bottlenecks: The South African Reserve Bank (SARB) enforces strict exchange controls—businesses must declare foreign income and face delays in approvals, especially for amounts over ZAR 1 million annually.
  • Slow Cross-Border Transfers: International payments can take 3–7 days to process, a problem for Johannesburg developers on tight project schedules.
  • Tax Compliance Pressure: New 2025 SARS rules demand detailed reporting on foreign earnings, adding admin burdens for SMEs.

Solutions for South Africans to Receive International Payments:

  • Accept payments in USD and 135+ currencies via Mainstack, unrestricted by buyer location, bridging the gap between local and global markets.
  • Withdraw to South African bank accounts in 24–48 hours, faster than standard wire transfers.
  • Simplify tax reporting with a platform that tracks and categorizes foreign income automatically.

A South African app developer can now charge a U.S. client in dollars, convert at a fair rate, and avoid the SARB’s red tape, all in a day’s work.

Kenya: Bridging M-Pesa’s Global Divide

Kenya’s M-Pesa is a global mobile money icon, with 34 million users, but its local dominance doesn’t fully translate to earning dollars internationally.

Latest Challenges Kenyan Businesses Face in 2025:

  • M-Pesa’s International Limits: While M-Pesa supports some cross-border transfers, it’s not built for direct USD payments from foreign clients, requiring costly workarounds.
  • PayPal Withdrawal Costs: Linking PayPal to M-Pesa incurs fees of 3–4% per withdrawal, plus a $35 minimum charge, hitting Nairobi freelancers hard.
  • Forex Restrictions: The Central Bank of Kenya caps USD transactions for individuals and small businesses, with new 2025 rules tightening scrutiny on forex inflows.
  • Banking Delays: USD transfers to Kenyan banks like KCB or Equity Bank can take 5–10 days, stalling cash flow for e-commerce sellers.
  • Platform Gaps: Stripe remains unavailable in Kenya, and PayPal’s receive function is limited, leaving few options for global payments.

Solutions for Kenyans to Receive International Payments:

  • Accept payments in USD and 135+ currencies directly through Mainstack, skipping M-Pesa’s conversion hassles.
  • Withdraw to Kenyan banks or M-Pesa wallets quickly, outpacing PayPal’s rates.
  • Eliminate the need for costly PayPal-to-M-Pesa transfers with direct, real-time payouts.
  • Scale without forex caps, as the platform manages compliance seamlessly.

A Kenyan online tutor can now earn dollars from U.S. students and get paid in M-Pesa instantly, dodging the old fee traps.

These challenges aren’t just inconveniences, they’re costing African entrepreneurs millions in lost revenue and wasted time.

Mainstack offers a unified solution tailored to these realities. It empowers businesses in Nigeria, Ghana, South Africa, and Kenya to accept international payments without jumping through hoops like foreign account setups or complex registrations. 

With support for 135+ currencies, competitive exchange rates, and withdrawals to local banks or mobile wallets, it cuts costs and speeds up cash flow. Plus, its integration with tools for invoicing, storefronts, and bookings makes it a one-stop shop for global expansion.

Africa’s digital payments market is set to soar as Statista projects $611.20 billion by 2029, with remittances hitting $96 billion in 2023. Yet, without the right tools, businesses in Nigeria, Ghana, South Africa, and Kenya risk missing out. The AfCFTA is boosting intra-African trade by 52% by 2030, but global earnings are the next frontier. Platforms like Mainstack remove the old barriers, letting you control your financial future.

Sign up today for free and enjoy the benefits of earning internationally that cuts across borders, country restrictions, and high fees. 

Make money online selling what you know. Mainstack makes it easy for you to showcase and get paid.

Find out more
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How-Tos
A Beginner’s Guide To Instagram Reels That Get Noticed
Learn to create Instagram Reels that stand out. This beginner’s guide covers content ideas, editing tips, and strategies to boost visibility, engagement
Mainstack Editorial Team
September 24, 2025
10 min read
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Instagram Reels have quickly become one of the best tools for creators, entrepreneurs, and brands to get discovered. This is largely because the platform’s algorithm prioritizes short-form video content. As a result of this, utilizing video content is no longer optional, but essential. 

It doesn’t matter if your goal is building a personal brand, promoting digital products, or simply trying to grow your community, understanding how to create Reels that grab attention can improve your content’s reach.

Why Instagram Reels Matter for Growth

Reels aren’t just another content format; they are Instagram’s answer to TikTok and a major driver of content visibility and engagement. Studies show that Reels generate more engagement than traditional posts, largely because Instagram actively promotes them to new audiences. For small businesses, freelancers, or creators, this means your content has a higher chance of being discovered beyond your immediate followers. A well-made Reel can work like free advertising by expanding your reach and establishing your brand voice in ways static posts rarely can.

A content creator shooting a brand video

Step 1: Understand the Basics of Reels

If you’re new to Instagram and don’t exactly know what reels are, they simply are short, vertical videos that can be up to 90 seconds long. You can record clips directly on the app or upload pre-edited content. 

Reels come with creative tools like audio tracks, filters, text, and transitions that let you produce engaging videos without needing advanced editing skills. While it may seem intimidating at first, the best Reels often use simple ideas executed clearly.

Step 2: Start with Content Ideas That Work

The hardest part of creating Reels is often knowing what to post. Instead of overthinking, start with formats that already resonate with multiple audiences: tutorials, before-and-after transformations, behind-the-scenes moments, relatable skits, or quick tips related to your niche.

For example, if you’re an interior designer, you might film a room transformation in stages in under 60 seconds. The goal is to create visual, relatable videos while giving your audience a glimpse of what you offer.

Step 3: Hook Viewers in the First Few Seconds

A content creator making reels

With Reels, videos are short, but attention spans are shorter. That’s why the first three seconds of your reel are everything so be sure to incorporate bold text overlays, intriguing statements, or visually striking shots to capture attention immediately. 

For example, instead of starting with “Hi everyone, I’m here to talk about…” try opening with a problem your audience faces: “Struggling with skincare on skin that just doesn’t seem to care? Here are three quick fixes you can try today.” 

This kind of hook grabs attention because it promises immediate value, giving viewers a reason to keep watching.

Step 4: Use Features to Enhance Storytelling

Instagram offers built-in editing tools that make your Reels more engaging and accessible, and one of the most effective ways to achieve this is adding captions to your reels.

 This ensures your content is easy to follow along for people who are hard of hearing and it also caters to the many users who scroll with the sound off. Utilize text overlays to emphasize key points, and sync your cuts to trending audio. 

Transitions, such as quick outfit changes or scene shifts, also improve the quality of your reels without the need for advanced editing. The goal is not to overcomplicate but to make your Reel engaging and easy to follow.

Step 5: Balance Trends with Originality

Trends drive discoverability, but originality builds lasting connections which are crucial when growing an online community. Jumping on trending audios or challenges can boost visibility, but it is of utmost importance to ensure that these trends are adapted to fit your niche. The key is to participate in trends while adding your unique perspective so you aren’t simply blending in with everyone else.

Step 6: Optimize for Reach

Creativity alone is not enough to sustain any content form, reels included. They also need optimization. 

To do this, make use of relevant hashtags, engaging captions, and eye-catching cover images that align with your brand. 

Posting consistently also signals to the algorithm that you’re an active creator worth promoting. 

Pro Tip: Cross-promote your Reels on your Stories and grid, and encourage viewers to engage by asking simple questions in your captions.

Step 7: Analyze and Improve

Not every Reel will go viral, and that’s okay. What matters is tracking performance and adjusting accordingly. Pay attention to your Instagram Insights to see which Reels got the most views, saves, or shares. These metrics reveal what resonates with your audience and help guide your future content. Over time, you’ll develop a playbook of what works best for your niche and audience.

Making Reels Work for Your Business

For entrepreneurs and creators selling digital products, Reels can double as tools for visibility and a direct driver for sales. By utilizing reels to showcase your product in action, sharing customer testimonials, or educating your audience about the problems your product solves, you position yourself as both a trusted resource and a solution provider. 

Instagram Reels are one of the best ways to grow your online presence in today’s digital world. Clarity, consistency, and creativity are the three ingredients that help beginners create Reels that actually get noticed. 

The best Reels aren’t always the most polished; they’re the ones that resonate with audiences, deliver value, and make your people want to come back for more.

How-Tos
How to Make Money with iPhone 17: Creators' Guide to Earning Back the Cost
Learn how creators can make money with iPhone 17 to earn back the purchase cost. Complete guide covers content creation, monetization strategies
Mainstack Editorial Team
September 16, 2025
10 min read
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Upgrading to an iPhone 17 is more than just buying the latest gadget;, it can be viewed as an investment in your creator career. With every new iteration, Apple packs in camera upgrades, faster chips, and software tools that help content look more polished and get noticed. But that new-phone price tag is real, and creators need to be sure they can earn more than they spend. 

If your current device like an iPhone 15 or 16 still delivers on quality, there may be no rush to upgrade. Still, if you leverage iPhone 17’s new features smartly, you can monetize its power and recoup the cost through creation, sales, or partnerships. 

Let’s explore how.

iPhone 17 Features That Help Creators Earn

  1. Camera & Video Enhancements

The iPhone 17 introduces a larger main sensor, improved optical image stabilization, better low-light performance, and sharper zoom. These upgrades mean creators can shoot cleaner, more professional video especially in dim settings like events or home studios. Cinematic mode and ProRes video give creators tools to distinguish their content from standard mobile footage.

  1. Performance & Speed

With the newer A-series chip, more RAM, and faster write speeds, editing video and photos directly on the phone becomes smoother. Faster rendering, better multitasking, and quicker previews reduce time wasted. The improved storage options (higher capacity) also let creators keep more raw footage and assets without external backups.

  1. Display & Battery

A brighter, more color-accurate display helps when editing in sunlight or when checking color grading. Higher refresh rates make the experience feel smooth, especially in editing apps or scrolling through timelines. Improved battery life means longer shooting sessions, fewer mid-shoot shutdowns, and less downtime charging.

  1. Connectivity & Accessories

Faster 5G, enhanced WiFi bands, and better Bluetooth connectivity improve uploading speed and live streaming quality. Supporting accessories such as external mics, gimbals or lenses matter more when the base hardware can support high bit-rate video or external-device input without lag.

  1. Software Tools & Ecosystem

Apple continues building tools and software features like photo and video editing apps, filters, live streaming tools, and seamless iCloud sync. Features like seamless backup, sharing, and cloud workflows mean less time lost managing files and more time creating.

Ways Creators Can Monetize Using the iPhone 17

Video Content
Post high-quality Reels, Shorts, TikToks, YouTube content. With iPhone 17’s improved camera, your content can look more professional, helping attract larger audiences and monetize via ad revenue or brand partnerships.

A content creator making video content

Photography & Stock
Thanks to the upgraded sensor and image clarity, you can shoot stock photos for marketplaces like Shutterstock or Adobe Stock. Also shoot paid commissioned photography; social media photos, portraits, or product shots.

Live Streaming & Virtual Events

Use the front and rear cameras to host live workshops, Q&A sessions, or streaming classes. The iPhone 17’s faster connectivity helps reduce lag and maintain quality during livestreams.

Vlogging / Podcasting with Video

If you vlog or do podcasts with video, the iPhone 17 lets you capture high-quality video with good audio (especially if paired with external mic). You can also record video “bites” for content repurposing, e.g., social clips, teasers.

Selling Digital Products

Use your iPhone 17 to create presets, LUTs, photo filters, templates, or motion graphics. Sell them on marketplaces or your own site. Since you already own the hardware, profit margins are high.

Sponsored Content & Brand Deals

Higher-quality visuals make your content more attractive to brands. When you can show photos or videos that look sharp, clean, and professional, you are in a stronger position to pitch for sponsorships or paid collaborations.

Recovering the Cost: Strategy & When Upgrading Makes Sense

Cost vs Expected Revenue

Calculate device cost + accessories + any subscriptions vs projected earnings. For example, if you can make $20-$50/month more with better video or photo quality, you may recover costs in 6-12 months.

Leveraging Micro-services

Offer small gigs: social media clips, editing or retouching, stock photos. These help recoup cost bit by bit.

Are Old iPhone 15 / 16 Models Enough?

If you already own iPhone 15 or 16 and your video, camera, and editing needs are met, waiting might make sense. Upgrading only becomes essential when image quality, speed, or battery life begins to limit your growth or deliverables.

Break-Even Analysis

A break-even analysis helps you figure out how long it will take to earn back the cost of your iPhone 17 through the extra income it brings you.

Here’s how to do it in plain steps:

  1. Find the Total Cost
    Write down how much the iPhone 17 costs, including accessories or insurance if you’re buying them too.
  2. Estimate Your Extra Monthly Income
    Think about how much more money you expect to make each month using the new phone. For example, from creating better content, landing new clients, or running your business faster.
  3. Divide Cost by Extra Income
    Take the total cost of the phone and divide it by your estimated extra monthly income.
  • Example: Phone costs $1,200. Extra income per month = $300.
  • $1,200 ÷ $300 = 4 months to break even.

If the extra income is less than the phone’s cost, it might be better to wait or save up before upgrading.

Practical Tips to Maximize Earnings Using iPhone 17

  • Use the native camera app or high-quality third-party apps that unlock full sensor potential.
  • Shoot during golden hour or good lighting to reduce editing needs.
  • Learn to use features like ProRes, Cinematic, or Photonic Engine (if available) for signature look.
  • Use presets or LUTs to speed up editing.
  • Keep your files organized by using clear folders, tags, and file names. Add helpful details (metadata) to make them easy to find later, and back everything up to cloud storage so you never lose important work.
  • Invest in small accessories like tripod, mic, lenses, etc that boost production value.

Risks & Drawbacks Before Upgrading

  • Depreciation: New Apple phones lose resale value.
  • Storage limitations: If you get a model with low storage, video and raw files may fill up fast.
  • Battery lifespan: Heavy use drains battery and battery health declines with time.
  • Time investment: Learning new features, workflows, and editing tools takes effort.

Investing in the iPhone 17 can be a smart move if you’re a creator serious about stepping up your content quality, speed, and professionalism. The camera upgrades, better performance, improved battery, and software tools are not just luxury, they are instruments that can help you earn back what you spend through video, photo, sponsorships, and product sales. 

That being said, if your iPhone 15 or 16 still meets your needs and does not limit your creativity, there is no urgent need to upgrade. Your time, skills, and consistency often matter more than the hardware alone. Before buying, plan out how you will monetize its features. Monetizing your iPhone 17 turns it from an expense into an investment, one that pays off when used with purpose.

How-Tos
How to Set Up Parental Controls on Digital Devices
Discover how to set up parental controls on iPhone, iPad, and Android devices using Screen Time, Family Sharing, Google Family Link, and Google Play
Mainstack Editorial Team
September 16, 2025
10 min read
Read more
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Keeping children safe online and managing screen time are top priorities for many families. Modern devices include built-in parental controls that let caregivers limit app use, filter content, schedule downtime, and approve downloads. Apple’s Screen Time is compatible with iPhone, iPad, and Mac. Google’s Family Link, combined with Google Play parental controls, allows parents to supervise Android devices and Chrome OS. Each tool handles slightly different features, so the choice depends on the device and how hands-on the parent wants to be. 

This guide explains exactly how to set up Screen Time on Apple devices and Family Link and Play Store parental controls on Android. It also covers App Limits, Downtime, Always Allowed apps, Content and Privacy Restrictions, passcode protection, and tips for troubleshooting and best practices. 

iPhone and iPad: Using Screen Time

Screen Time lets parents schedule Downtime, set App Limits, allow certain apps during limits, block explicit content, control purchases, and manage communication limits. You can set these locally on the child’s device or manage them remotely with Family Sharing.

Step-by-Step: How To Set up Screen Time For a Child On Their Device

  • Open Settings and tap Screen Time.
  • Tap Turn On Screen Time. If this device is for a child, choose This is My Child’s iPhone and follow the prompts.

Set Downtime

  • In Screen Time, tap Downtime.
  • Turn on Downtime and schedule the hours when only allowed apps will work. Downtime can be the same each day or customized per day. 

Choose Always Allowed apps

  • In Screen Time, tap Always Allowed.
  • Pick essential apps that should always be available during Downtime, such as Phone, Messages, and FaceTime. These are the apps the child can still use when limits apply.

Set App Limits

  • Tap App Limits then Add Limit.
  • Choose app categories or individual apps and set daily time allowances. Use Customize Days to change limits by weekday. Apple Support

Content & Privacy Restrictions

  • In Screen Time, tap Content & Privacy Restrictions and turn it on.
  • Control web content, restrict explicit music and movies, block in-app purchases, and manage privacy settings. This also includes disabling certain built-in apps if needed.

Communication Limits

  • In Screen Time, tap Communication Limits.
  • Set who the child can communicate with during allowed screen time and during Downtime. This helps restrict calls and messages to trusted contacts. 

Protect your settings with a Screen Time passcode

  • In Screen Time, scroll to the bottom and choose Use Screen Time Passcode.
  • Choose a 4-digit or 6-digit passcode the child does not know. This prevents the child from changing limits. If the passcode is ever forgotten, Apple provides recovery options using the Apple ID that created the Screen Time passcode. 

If Family Sharing is used, the family organizer can manage or reset passcodes from their device.

A man, woman and child on their mobile phones

Android: Google Family Link and Google Play parental controls

Google Family Link lets parents create a supervised Google Account for children, set device bedtime, set app limits, approve or block app installs, monitor screen time, and track location on supported devices. Features and availability vary by Android version and region. 

Step-by-step: Set up Family Link

  • On the parent device, download Google Family Link for parents. On the child's device, install Family Link for children and teens if needed.
  • Open the parent app and follow the setup to create or link your child’s Google Account.
  • On the child’s device accept supervision and follow prompts to complete setup. Once linked, the parent can manage settings from their app. 

Controls available in Family Link

  • Daily screen time limits and bedtime schedules.
  • App approvals: require parent permission for Play Store installs.
  • App activity reports: view time spent by app.
  • Device location: see where the device is when it’s online
  • Lock device: remotely lock a supervised device.

Google Play Parental Controls

  • Open the Google Play Store on the child’s device.
  • Tap the profile icon, go to Settings > Family > Parental controls.
  • Turn on parental controls, create a PIN, and select content filters for apps, games, movies, and books. Purchases can be restricted or require approval.

Tips, best practices, and what to watch for

  • Use Family Sharing and Ask to Buy on Apple devices to approve app downloads and purchases when the child is under parental supervision. This adds another layer to control purchases.
  • Keep software up to date on all devices so parental control features work correctly. Syncing Screen Time across Family Sharing requires up-to-date iOS versions on all family devices.
  • Pick reasonable limits and discuss them with children so they understand boundaries. Parental controls work best when combined with open conversations about online safety.
  • Use strong passcodes and do not share parent PINs with the child. Store passcodes in a secure password manager so they are not lost.
  • Check feature differences by age. Both Apple and Google change behavior once a child reaches the age where they can manage their own account. Family Link notes different controls for children under the age threshold in each country.

Troubleshooting and common questions

If Screen Time passcode is forgotten

  • Go to Settings > Screen Time > Change Screen Time Passcode > Forgot Passcode and follow prompts to reset using the Apple ID used to set the passcode. 
  • If Family Sharing manages the child, the family organizer can reset or remove the passcode from their device via Settings > Screen Time. 
  • If no Apple ID access exists, Apple Support can help but in some cases device restore may be required.

If Family Link cannot supervise a device

Some Android devices or versions do not support all Family Link features. Make sure the child’s device meets Android version requirements and follow the Family Link compatibility guidance. If issues persist, reinstall the Family Link apps and repeat the setup steps. 

Parental controls are about creating balance, safety, and healthy habits for children. Whether you use Apple Screen Time or Google Family Link, these tools help you manage what your kids can see, use and do online. Combine these settings with clear conversations about online safety so your child understands why limits exist. Review and update settings regularly as your child grows, and secure everything with a passcode only you know. With the right mix of technology and guidance, you can make your family’s devices safe and positive spaces for learning, play and connection.