Escrow for mobile-money Ghana
Pay a stranger without trusting them.
Your money locks in a safeguarded trust account — not in their wallet. It moves only when you press your PIN, on your own phone. Nothing to read out, nothing to steal.
No smartphone?
*789#
Locked · Safeguarded
₵300.00
Moves only when you press your PIN.
blue dress, size 12
Auntie Ama Fabrics · SP-4KX9RM
210+
deals completed
₵0.00
lost to "read me the code"
5 days
max for a referee decision
How it works
Three presses. That's the whole product.
The same three steps whether you're buying a dress, paying a carpenter, or sending money home.
1
Lock it
The money leaves your wallet into a safeguarded trust account — never SafePay's money, never the seller's. They see it's guaranteed, so they send.
Seller must send within 7 days — or you get every pesewa back, fee included.
2
Check it
48 hours from the moment they mark it sent. Open the box, try it on, plug it in. Need longer? One extension of 48 more hours.
Problem? Report it — the money stays locked until it's settled fairly.
3
Release it
Happy? Press your PIN and the seller is paid that instant. Your PIN works only on your own phone — no web page, no API, no caller can ever move your money.
Silence can't rob a seller either — delivered deals auto-release after your window.
For buyers
Shop from strangers like they're neighbours
✓
Check any seller's real record before you pay — deals, disputes, tenure
✓
Full refund, fee included, if nothing arrives in 7 days
✓
Got a suspicious SMS? Type the deal number — SafePay tells you what's true
For sellers
“Payment guaranteed” closes the sale
✓
Drop a “pay me safely” link or QR into WhatsApp — buyers stop hesitating
✓
Order book, receipts and customer list — the notebook, free
✓
Your first 3 deals are free. Earn Proven, get paid the instant buyers confirm
The trust ladder
A badge you can't buy. Only earn.
Levels are computed from deals that actually happened. No favours, no fees, no shortcuts — which is why buyers can rely on them.
STARTER
Everyone begins here
Full escrow protection from deal one. Paid when the deal settles.
First three completed deals: no fee
PROVEN
Instant payout begins
Paid the second the buyer confirms — no settlement wait.
10+ deals · fewer than 1 in 20 disputed · identity verified
★ GOLD
The market's landmark
Top placement in the directory. Buyers search for the badge by name.
50+ deals · 6+ months · dispute rate under 2% · full verification
Honest fees
Reading the fees from the live policy…
No smartphone?
No data? Same protection.
The whole product runs on a button phone over USSD — pay, check a deal, release, dispute, PIN. The app and the short code are one account.
*789#
MTN · Telecel · AirtelTigo
The register — earned, never bought
Find a seller
Every level below is earned from real deals. It cannot be bought.
Search a shop or number
Loading the register…
A Gold badge cannot be a favour — levels are derived only from deals that actually happened.
SafePay never asks you to read out a code — there are no release codes. SafePay never asks for your PIN.
*789# works with no internet at all