Buy & Sell Safe · coming soon

Pay safely. The seller is paid only when your order arrives.

For anyone buying from sellers on Instagram, TikTok, Facebook, WhatsApp and online shops. You pay with M-PESA as usual, but the money waits in a protected account until you have your order.

Join the waitlist See how it works

Money held until delivery
Your money back if it never arrives
A person settles every problem

How it works

A protected order, step by step

This is escrow made simple: a protected payment held until delivery. Tap a step to see what you and the seller each see. The order on the right is a sample.

Step 3 of 6

Your money is held, not given to the seller

The money waits in a protected account with our licensed partner. Not with the seller, and not in a DarajaPay wallet.

What you see (buyer)

"Held safely until you confirm" on your order page, with the delivery date.

What the seller sees

"Buyer's money is held for you." They know it is real, and that they're paid once you have the item.

Good for both sides

For buyers

No more paying and getting blocked. The seller can't touch your money until you have the item.
Money back if it never arrives. If the delivery date passes and nothing came, you get a refund.
Something wrong? Say so before you confirm. A person looks at both sides before any money moves.

Buyers pay nothing extra.

For sellers

Buyers trust you. A protected order link shows new customers they can't be cheated.
Trust means more sales. People who were afraid to pay a stranger online can buy from you.
Paid as soon as the buyer confirms. No chasing: the money is already waiting for you.

Sellers pay a small fee per sale. We'll publish it before launch.

The honest rules

Who holds the money, and when it moves

Who holds the moneyA licensed partner's protected account. DarajaPay never keeps it in a wallet, and the seller can't reach it until it's released.

When it's releasedWhen you give the seller your handover code, or when the inspection window after delivery (for example 24 to 72 hours) ends with no problem raised.

What counts as proofYour handover code, delivery records from the rider or parcel service, and photos and chats from both sides if there's a problem.

TimelinesThe seller sets a delivery date. Not delivered by then? You can ask for a refund. A problem raised in time keeps the money held until our team decides.

Buy & Sell Safe isn't open yet. It starts once our licensed partner is in place; until then no money is taken.

Be first when it opens

Leave your number and tell us whether you mostly buy or sell online. We'll send you one SMS on the day Buy & Sell Safe opens.

No charge, no account needed
We never share your number
One SMS when it opens, nothing else

Questions about Buy & Sell Safe

Is this escrow?

Yes. It's a protected payment: your money is held by a licensed partner until delivery, then released to the seller. DarajaPay never keeps it in a wallet.

What if the seller never ships?

Every protected order has a delivery date. If it passes and the order hasn't come, you can ask for a refund, and the money goes back to your M-PESA.

What if I'm not happy with the item?

Raise it before you confirm or before the inspection window ends. The money stays held while our team looks at the evidence from you and the seller, then decides: a refund to you or payment to the seller.

Who pays the fee?

Buyers pay nothing extra. Sellers pay a small fee per sale, which we'll publish before launch.

When does it start?

Once our licensed partner is in place. We're not taking any payments for it yet. Join the waitlist and we'll SMS you the day it opens.

Will DarajaPay ever ask for my M-PESA PIN?

Never. You type your PIN only on the M-PESA prompt on your own phone. Not to a seller, not to our staff, not to our chat helper.

Something else?