Follow a single order from creation to payout. See exactly how your money stays safe.
The escrow flow
Seller creates an order
Item, price, buyer handle. Gets a unique payment link.
Link shared via DM
WhatsApp, Instagram, TikTok — buyer clicks the link.
Buyer pays via M-Pesa or card
Money goes to InstaEscrow, not the seller. Real transaction — impossible to fake.
Money held securely
Neither side can be scammed. Seller ships with confidence knowing payment is locked in.
Delivery confirmed, seller paid
Buyer confirms → instant M-Pesa payout. Protected transaction complete.
Disputes
Your money doesn't move until the problem is resolved.
Step 1
Buyer raises an issue
Wrong item, damaged, or never arrived. Payment freezes immediately.
Step 2
Both sides submit evidence
Photos, descriptions, chat screenshots. Our team reviews everything.
Step 3
Resolved in 24–48 hours
Buyer gets a refund or seller gets paid. Evidence-based, fair to both.
Free for sellers — no sign-up fee, no commission, no monthly costs. Buyers pay a flat KES 20 peace of mind fee per transaction. That's it. If a dispute is raised and resolved, the losing party pays a dispute resolution fee — this keeps both sides honest.
No. InstaEscrow works entirely in your browser. Sellers access their dashboard via the web, and buyers pay through a simple payment link.
M-Pesa is our primary payment method, designed for the Kenyan market. Card payments (Visa/Mastercard) are also supported through our secure payment processor.
Buyers are prompted to confirm delivery once the seller marks the order as shipped. As soon as they confirm, the seller gets paid instantly. If there's an issue, they can open a dispute instead.
As soon as the buyer confirms delivery, funds are released to your M-Pesa instantly. No waiting periods — you get paid the moment the buyer is happy.
Your next buyer pays upfront. Create your first order in under 60 seconds.
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