Frequently Asked Questions

Everything you need to know about Immani Escrow.

What is escrow?

Money is held in a safe middle place until both sides of a deal are happy. Nobody gets the money too early. Nobody gets cheated.

Why should I use escrow?

Because paying a stranger directly is risky. If you pay first, you might not get the goods. If you deliver first, you might not get paid. Escrow removes that risk for both of you.

Is escrow safe in Kenya?

Yes. Your money is held by e-confirm, a Kenyan escrow platform. It is not sent to the seller until both sides confirm the deal is done.

How does escrow work with M-Pesa?

You pay with a normal M-Pesa prompt. The money is held safely. When both sides confirm, the seller receives it. Simple.

How much does it cost?

A small 3% fee. You see the exact total before you pay. No hidden charges.

Who can start an escrow?

Either the buyer or the seller can start. The other party is notified by SMS.

How do I get paid as a seller?

After you deliver, confirm delivery and you'll receive a release code. Share it with the buyer — when they enter it, the money is released to your M-Pesa.

What if the seller doesn't deliver?

The money stays held. It is not released. You can file a dispute and Immani helps sort it out.

What if the buyer doesn't pay?

The seller never delivers without knowing the money is already held. That is the point — the money is there before the goods move.

What if the buyer doesn't confirm?

The buyer can release the money directly at any time. If there's a real problem, either party can escalate to Immani and the money stays held while the dispute is resolved.

Can I cancel?

Yes. Before the money is paid, either side can cancel. After payment, if there is a problem, file a dispute — the money stays held until it is resolved.

What happens if something goes wrong?

The money stays in the middle. Immani's professional services — including certified professionals and lawyers — step in to help both sides resolve it. Nobody walks away with money that isn't theirs.

Do I need an account or an app?

No. Just your phone. Everything works through SMS and a link.

Who holds the money?

e-confirm, a Kenyan escrow platform. Not the buyer. Not the seller. A neutral middle party.

How long does it take?

The whole deal can finish in minutes. Pay, deliver, share the code, done.

I was scammed before. How is this different?

If you were scammed, you paid a stranger directly and the money left your hands. With escrow, the money never goes to the seller until you confirm. The scam is impossible — the seller cannot receive the money without your confirmation.

Ready to start?

Create an escrow in under a minute. No login, no app, no paperwork.

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