Building trust into every transaction.
Afa'a Pay holds the money until the deal is done. Sell, buy and contract across Africa without gambling on a stranger. Pay with mobile money, card or bank.
Online trade runs on "trust me."
Informal commerce moves billions across WhatsApp, Facebook and phone calls. Neither side can verify the other, and when something goes wrong there is nothing to fall back on.
Pay first, hope later
Buyers send money to people they have never met and wait for goods that may never arrive.
Deliver first, chase payment
Freelancers and suppliers finish the work, then spend weeks chasing an invoice.
No record, no recourse
Voice notes are not contracts. Disputes become arguments with no evidence and no referee.
Four steps. Nobody gets burned.
Click through the lifecycle of a protected payment.
Agree
A reputation that travels with you.
Every completed deal, on-time delivery and clean dispute record feeds a score from 300 to 850. Higher scores unlock faster payouts and lower fees. No bank history required.
- Behaviour, not paperwork. Built from real transaction signals, so first-time merchants can earn credibility fast.
- Fraud signals in real time. Pattern models flag mismatched evidence and risky counterparties before money moves.
- Explainable. Every point has a reason you can see and improve.
Try it: adjust a merchant's behaviour
Built for the phone in your pocket.
Most of our users never open a laptop. Every flow is thumb-first, low-data and works over USSD fallback.
Everything a merchant needs to get paid safely.
Escrow accounts
Ring-fenced funds, released by milestone or on delivery confirmation.
Digital contracts
Templates in English and French, signed in-app, stored with tamper-proof timestamps.
Merchant dashboard
Live volumes, escrow pipeline and payout tracking in one place.
Dispute resolution
Evidence-based mediation with a 72-hour resolution promise.
Developer API
Add escrow checkout to any marketplace with a single REST integration.
Multi-currency
XAF, NGN, GHS, KES and USD with transparent, mid-market rates.
Trust shouldn't be a leap of faith.
See how a merchant runs escrow, tracks payouts and builds a trust score. No sign-up needed.