Escrow in Kenya: pay safely, get paid for sure

In Kenya, buying and selling online has exploded — Facebook Marketplace, Instagram, TikTok, WhatsApp groups. But with that growth came a wave of scams: buyers who pay and never receive, sellers who deliver and never get paid.

Escrow solves this. The buyer pays into a neutral holding account instead of paying the seller directly. The money is only released when both sides confirm the deal is complete.

How M-Pesa escrow works in Kenya

With Immani Escrow, everything runs through M-Pesa — the payment method Kenyans already trust. The buyer gets an STK push, pays, and the money is held safely. When the seller delivers and both parties confirm, the money is released.

When should you use escrow?

• Buying from a stranger on Facebook Marketplace or Jiji
• Hiring a freelancer for work that takes time
• Selling goods and not wanting to be cheated
• Any deal where you don't fully trust the other party

Start an escrow now — it takes less than a minute.

Ready to transact safely?