B2B payments with built-in trust

Business deals need more than promises

Business transactions in Kenya still run heavily on trust and relationships — until they don't. A supplier who delays after receiving a deposit, a contractor paid upfront who underdelivers, a wholesale order that never arrives. Escrow formalizes the trust: funds exist, are locked, and move only when agreed conditions are met.

Where business escrow fits

• Supplier & wholesale payments — pay on verified delivery, not on promises.
• Service contracts — deposits and milestone payments released as work is approved.
• Procurement — hold payment while goods are shipped and inspected.
• Cross-county deals — transact with businesses you've never met, safely.

How it works for businesses

Same simple flow: the paying party creates a transaction describing the deal, pays by M-Pesa into escrow, the counterparty is notified by SMS & WhatsApp with a tracking link, delivers, and gets paid on confirmation. Every step is recorded — a clean transaction trail for your books.

Milestone payments

Large contracts split naturally into escrow milestones: mobilization, delivery phases, completion. Each milestone is its own transaction — you release progressively as the supplier performs, and neither side is ever fully exposed.

Limits and fees

Sellers can receive up to KSh 240,000 per transaction (total payment within the KSh 250,000 M-Pesa limit) — and the escrow fee percentage drops as amounts grow, making it cost-effective for bigger deals. For larger contracts, split into milestone payments. Full breakdown on the pricing page.