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Escrow vs cash on delivery in Nigeria: which works better?

Cash on delivery is the default for Nigerian e commerce, but it has serious costs. Escrow can do the same job with less pain.

21 May 2026 · 4 min read

harrenapay

Africa's payment infrastructure for trusted commerce.

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Important disclosure. harrenapay is a product of Harrena Africa Synergy LTD. harrenapay is not a bank and does not hold customer deposits. We are a technology platform providing escrow and payment workflow software.

Card processing, bank transfers, and payouts on harrenapay are powered by Paystack, our licensed payment partner, who is fully regulated by the Central Bank of Nigeria. All customer funds are held in segregated accounts and never co-mingled with operating capital.

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