Buy and Sell Online Without the Fear of Getting Scammed
SafePay holds the buyer's money in a protected escrow until the seller delivers. If the seller disappears, you get your money back. No more delivering on a promise that vanishes.
The Problem
Online transactions are broken.
And everyone knows it.
Whether you buy or sell on WhatsApp, Instagram, or Telegram — you've felt this fear before.
The Buyer's Fear
The Seller's Nightmare
This isn't just your problem. It's everyone's problem.
Billions of naira lost every year to failed social commerce transactions. Most of it completely preventable.
How It Works
4 steps. Both sides protected.
No branch visits. No complicated forms. Just a link and a deal.
Create a Safe Transaction Link
Either side starts the transaction. Set the amount, describe what's being bought, and get a unique protected link in seconds.
Buyer Pays Into the Safe
Payment goes into a secure hold — not to the seller yet. Like a digital safe deposit box both parties can see.
Seller Delivers the Goods
The seller ships or delivers with full confidence. Their money is confirmed and waiting — they're not guessing.
Both Confirm — Funds Released
Once the buyer confirms receipt, funds are released instantly. Done. Clean. Safe. Both sides protected the whole time.
The Platform
Everything you need to transact safely
Use SafePay directly in the browser, integrate it via API, or embed it inside your own product.
Personal Dashboard
Create transactions, track their status in real time, manage disputes, and get notified at every step — all from one clean dashboard.
REST API
Integrate SafePay escrow directly into your marketplace or product. Full API with API key auth, webhook events, and invite-link generation.
Embeddable Widget
Drop SafePay into your site with a single `<iframe>`. Your users never leave your product — the full escrow flow happens inside the widget.
For Businesses
Add escrow to your product in an afternoon
Running a marketplace, classifieds platform, or freelance site? SafePay gives you a production-ready escrow layer without building the compliance, banking relationships, or dispute infrastructure yourself.
API key auth
Generate keys from your dashboard. Prefix-based lookup, bcrypt-hashed — never stored in plaintext.
Webhook events
Get notified on every status change. HMAC-signed payloads so you can verify they came from us.
Embeddable widget
One `<iframe>` drops the full escrow UI into your product. Listen for `postMessage` events to react in real time.
Custom fee config
Get a fee arrangement tailored to your volume — fixed, percentage, or free. Contact us to discuss.
// 1. Create the escrow
const txn = await fetch(
"https://safepay.ng/api/v1/transactions",
{
method: "POST",
headers: {
Authorization: `Bearer ${API_KEY}`,
"Content-Type": "application/json",
},
body: JSON.stringify({
title: "MacBook Air M3",
amount: 950000,
role: "SELLER",
}),
}
).then((r) => r.json());
// 2. Generate the buyer's invite link
const invite = await fetch(
`https://safepay.ng/api/v1/transactions/${txn.data.id}/invite`,
{
method: "POST",
headers: { Authorization: `Bearer ${API_KEY}` },
body: JSON.stringify({ role: "BUYER" }),
}
).then((r) => r.json());
console.log(invite.data.shareUrl);
// → https://safepay.ng/t/clx...?token=...Why Trust SafePay
"How do I know you won't disappear with my money?"
We expected that question. Here's exactly why we can't run off with your funds even if we wanted to.
We never touch your money
Funds sit in a regulated escrow account — not our operating account. We can't spend it or move it without both parties agreeing.
Disputes are handled fairly
If there's a problem, our team reviews evidence from both sides. We follow facts, not feelings.
You're in control the whole time
You can see the status of your transaction at any time. Nothing happens without your knowledge or approval.
No account needed to pay
The person creating the transaction signs up. The other party just clicks the link — no registration needed.
Still have questions? Fair enough.
"What if the buyer lies about not receiving the goods?"
We ask for proof — tracking numbers, photos, delivery confirmations. Our team reviews real evidence. Liars don't win.
"What if the seller delivers something broken or fake?"
The buyer has an inspection window before funds release. If something's wrong, they raise a dispute and we investigate.
"How long does the money stay in hold?"
You agree on the inspection period upfront — typically 24–72 hours after delivery. It's written into every transaction.
"Is this legal and regulated?"
Yes. We operate under Nigerian financial regulations for payment processing and escrow services. Full compliance, always.
The next time you buy or sell online —
you shouldn't have to pray it works out.
Create a protected transaction in 60 seconds. Both sides covered from the moment the deal begins.