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

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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

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HarrenaPay — money moves when delivery is confirmed.

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HarrenaPay is a product of Harrena Africa Synergy Ltd, in partnership with Lantid Creative Ltd, both registered in Nigeria. Lantid Creative Ltd is registered with the Nigeria Data Protection Commission as a data controller and processor (NDPC/DCP/12238). HarrenaPay is not a bank. Escrow funds are held in dedicated wallets, secured with our licensed partner bank.

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