PayChangu’s Escrow feature helps buyers and sellers transact with more confidence by securely holding funds until agreed conditions are met.
Instead of sending money directly to the recipient immediately, the funds are temporarily held in escrow and only released once both parties are satisfied. This helps reduce disputes and builds trust between merchants and customers.
More security: Funds are held safely until the transaction is completed
Builds trust: Ideal for online sales, services, or high-value transactions
Reduces disputes: Both parties have clarity on the transaction process
Better documentation: Add descriptions and transaction notes for reference
Log in to your PayChangu dashboard
From the left-hand menu, click Transfers
Here, you’ll see all your transfer activity and payout history in one place.
Go to the Withdraw section
Select Wallet Transfer
Enter the amount you want to send
Provide the recipient’s Merchant ID or email address
Enter your transaction PIN
Toggle Escrow Protection on if you would like additional security for the transaction.
Once enabled:
Your payment will be securely held in escrow
The funds will only be released once the agreed conditions are met
After release, the funds will appear in the recipient’s Transfers tab and become available for withdrawal
This is especially useful for product deliveries, freelance work, supplier payments, or any transaction that requires confirmation before payment is released.
You can add a short description explaining the goods or services involved in the transaction.
This helps provide clarity between both parties and may assist in resolving disputes if needed.
Example:
“Payment for 50 office chairs”
“Website design deposit”
“Laptop purchase agreement”
After reviewing the details,
Send via Escrow – Funds will remain securely held until released
Once submitted, you can track the transaction from the Escrow tab.
Paying a supplier before goods are delivered
Freelance or contract work payments
Buying and selling products online
Large business-to-business transactions requiring additional trust