A safer way to pay someone you've never met.
HarrenaPay holds the buyer's money in escrow and releases it only when delivery is completed and confirmed. Buyers can't be scammed. Sellers can't be cheated. Built for how Nigeria really buys and sells.
Naira transactions · Escrow-secured · NDPC-registered
Every online deal in Nigeria starts with the same question: who goes first? The buyer who pays first can lose their money. The seller who ships first can lose their goods. HarrenaPay removes the question.
Nobody goes first. The money goes first — into escrow.
Buyer pays into escrow
The money leaves the buyer's hands but doesn't reach the seller. It's locked in a secure escrow wallet that neither side can touch.
Seller ships with confidence
The seller sees committed, verified money — not a screenshot — and ships. Delivery is handled through a tracked process and completed and confirmed through the approved flow.
Money is released
Delivery confirmed, funds released to the seller. If something goes wrong instead, the money stays locked while our dispute process resolves it with evidence from both sides.
For Sellers
Selling on Instagram, WhatsApp or TikTok?
Stop losing the buyers who don't trust you yet. Share a HarrenaPay payment link, let them pay into escrow, and watch 'let me think about it' become a sale. Get paid the moment delivery is confirmed.
For Buyers
Buying from a vendor you've never met?
Your money doesn't go to them — it goes into escrow. They only get paid when your order is confirmed in your hands. If it never arrives, your money comes back.
For Developers
Building a storefront? Put escrow behind your checkout.
The HarrenaPay merchant API lets you create escrow-backed orders, collect bank-transfer funding on a virtual account, and release after delivery is marked and the inspection window ends — with signed webhooks and free sandbox keys so you can integrate before you upgrade.
Trust you can see before you pay.
Every seller on HarrenaPay carries a Trust Score built from real, verified transactions — deliveries completed, disputes resolved, response times. Honest sellers earn badges that travel with them: New, Rising, Trusted, and Harrena Verified Pro. No more vouching by screenshot.
How the Trust Score worksA trust company has to earn yours first.
Registered & regulated presence
Lantid Creative Ltd, incorporated in Nigeria (RC 8309351) and registered with the Nigeria Data Protection Commission.
Your money, ring-fenced
Escrow funds sit in dedicated wallets, separate from our own operating money, until release conditions are met.
Evidence, not arguments
A tracked delivery process with clear completion records means disputes are settled by records, not by who shouts loudest.
Honest by design
We publish exactly what we charge, exactly what we do, and exactly where we operate: Nigeria, in Naira. We'd rather under-promise than ever break a promise.
Referral program
Earn when you refer friends
Share your link. When someone you refer completes their first escrow, you earn 5% of HarrenaPay's fee on that transaction — credited toward your future escrow fees.
Share your link
Invite friends with your personal referral code from Settings after you sign up. New users must enter a code during signup — it cannot be added later.
They complete their first escrow
The reward triggers once your friend funds their first protected payment on HarrenaPay.
You earn 5% of our fee
Your credit equals 5% of HarrenaPay's service fee on that first transaction — applied automatically toward your next escrow fees.
Fees you can read in ten seconds.
On Starter: buyers pay a 1% sender fee; sellers pay a 0.5% receiver fee. Wallet-to-wallet transfers are free. No surprises at payout.
See full pricingDisplayed as one payout fee total.
Escrow and payout fees are listed above. See Pricing for the full plan schedule.
Guides
Pay safely in Nigeria — explained.
Practical guides on escrow, scam prevention, and getting paid when you buy or sell online.
Sent the money and they blocked you?
How to pay safely online in Nigeria when a seller disappears after you transfer.
Read guideReceive payment safely as a WhatsApp seller
Stop losing sales to buyer fear and fake payment receipts.
Read guideHow to spot fake escrow links
Warning signs of fake payment-protection scams in Nigeria.
Read guideHow HarrenaPay works
Plain-English guide to escrow from payment to delivery confirmation.
Read guideQuestions, answered.
More questions? See the full FAQ or reach us at support@harrenapay.com.
Pay anyone. Sell to anyone.
Create your free account in minutes. Verification is quick, and your first protected transaction is closer than you think.