Kenya Escrow holds the buyer's M-Pesa payment until the agreed conditions are met — then releases it to the seller instantly. No accounts, no paperwork, no waiting days for your money.
Kenya Escrow is an online escrow service in Kenya that helps buyers and sellers complete transactions safely. Our platform supports M-Pesa escrow for online purchases, cars, electronics, freelance services, marketplace deals and any transaction where payment should be protected until the agreed conditions are met.
Escrow is a payment arrangement where a neutral third party holds the buyer's money until the seller delivers what was agreed. Instead of paying a stranger directly on M-Pesa and hoping they deliver — or delivering goods and hoping you get paid — the money sits safely in escrow until both sides are satisfied.
With Kenya Escrow, the whole process takes under a minute to set up:
If anything goes wrong, either party can raise a dispute and our support team steps in. See the full walkthrough on how it works.
Online transactions in Kenya run on trust — and trust is exactly what scammers exploit. Whether you're buying a phone on Jiji, paying a freelancer, or purchasing a car from someone you found online, escrow removes the leap of faith. The buyer can't lose money to a non-delivery, and the seller can't deliver without payment being secured first.
Buyers pay a small, transparent escrow service fee — always shown on screen before you authorize the M-Pesa payment. There are no hidden charges and no M-Pesa transaction fees for users. Sellers can receive up to KSh 240,000 per transaction — the buyer's total stays within the KSh 250,000 M-Pesa limit. See the full breakdown on our pricing page.
Buyers are covered by buyer protection — if the seller doesn't deliver, your money stays in escrow. Sellers get seller protection — the buyer's payment is confirmed and locked before you deliver. Disputed orders are reviewed by our team with both parties' evidence.
There's no registration and no app to install. Start a transaction on the Kenya Escrow homepage, pay with M-Pesa, and share the tracking with your seller — the entire flow takes under a minute.
Fast, phone-first escrow designed around how Kenyans actually buy and sell.
STK push in seconds, instant SMS & WhatsApp notifications, and immediate release to the seller's M-Pesa the moment the buyer confirms.
No registration, no passwords, no app downloads. A transaction link is all you need.
Payment sits in escrow until the buyer confirms delivery — neither side can run off with the money.
Something wrong? Raise a dispute and our team reviews evidence from both parties before any money moves.
Start a secure M-Pesa escrow transaction in under a minute — no account needed.
Start a Transaction