Simple, safe, and fast. No accounts, no apps — just your phone.
Start an escrow. Go to the homepage, enter the amount and the other person's phone number. Either the buyer or the seller can start — the other party gets an SMS.
Pay via M-Pesa. The buyer gets an STK push and pays. The money is held by e-confirm — the seller does not receive it yet.
Deliver the goods. The seller delivers the goods or service, then confirms delivery. A release code is sent to the seller's phone.
Share the code. The seller shares the code with the buyer — in person, on WhatsApp, or however you communicate.
Buyer enters the code. The buyer enters the code and the money is released to the seller. Done!
Facebook Marketplace, Instagram, TikTok sellers — pay without fear.
Clients pay into escrow, you deliver, you get paid. No more "I'll pay later."
Cars, phones, laptops — big money, safe hands.
Landlord and tenant both protected on deposit payments.
Pay suppliers you've never met — money held until goods arrive.
Custom furniture, tailoring, metalwork — pay when the work is delivered.
Plumbers, electricians, contractors — pay when the job is finished.
Chama contributions, joint purchases — everyone's money is protected.
If the buyer doesn't receive what they paid for, or the deal falls through, either party can escalate to Immani. The money stays held while Immani's professional services — including certified professionals and lawyers — help resolve the dispute.
Start an escrow now