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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 (RC 8309351), registered in Nigeria, and registered with the Nigeria Data Protection Commission as a data controller and processor (NDPC/DCP/12238). HarrenaPay is not a bank. Wallet and account services are provided in partnership with a CBN-licensed financial institution.

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