One platform for trust, money movement and resolution.
harrenapay combines escrow, payouts, a secure wallet and a built-in dispute engine, so every transaction settles safely, on time, and on your terms.
Escrow
Funds held safely until everyone is happy.
Buyers fund a transaction once. We hold the money in a regulated trust account and release it to the seller only when the agreed conditions are met, automatically or with one tap.
Regulated trust accounts
Funds are segregated in regulated trust accounts, never co-mingled with operating capital.
Configurable release rules
Buyer confirmation, delivery proof, milestone approval, or time-based auto-release.
Real-time status
Both parties see funded, in-transit, delivered and released states with full audit trail.
Escrow ID
ESC_8K2R-91QF
Amount in escrow
₦ 1,250,000.00
Buyer funds escrow
CompletedSeller ships order
Completed- 3
Buyer confirms delivery
In progress - 4
Funds released to seller
Pending
Payouts
Move money to any Nigerian bank, fast.
Pay sellers, vendors and freelancers across Nigeria. When an escrow releases or you withdraw from your wallet, funds move straight to the bank account on file.
Fast settlements
Direct transfers to all major Nigerian banks and fintech wallets through our licensed partner.
Name-verified transfers
Every recipient account is verified by name before any money moves.
Free wallet payouts
Sellers with a harrenapay account receive releases straight into their wallet at no cost.
Clear bank withdrawal fees
Withdrawals to external banks show one payout fee total (₦15.75 / ₦39.38 / ₦78.75 by amount tier).
Payouts • Today
4 of 1,284Adaeze Okafor
GTBank • 0123
₦ 320,000
Paid
Kwame Mensah
Access Bank • 5561
₦ 148,000
Paid
Tunde Bakare
OPay • 7042
₦ 85,500
Processing
Ngozi Eze
Zenith Bank • 2288
₦ 92,000
Paid
Total settled today
₦ 184,920,400
Wallets
A secure NGN wallet for every account.
Every verified account gets a dedicated NGN account number. Fund it from any Nigerian bank, pay into escrow instantly, and keep a full ledger of every movement.
Your own account number
Top up by bank transfer from any Nigerian bank — funds land in your wallet automatically.
Free wallet-to-wallet transfers
Send money to any other harrenapay user instantly, at no cost.
Clear withdrawal fees
Bank withdrawals show one payout fee total (₦15.75 / ₦39.38 / ₦78.75 by amount tier).
Full transaction ledger
Every credit, debit and transfer is recorded, with downloadable statements.
₦ 1,248,920.50
9012 4471 03 • Your account number
₦ 450,000.00
2 active escrows
₦ 92,000.00
GTBank • 0123
₦ 3,410,500
14 completed transactions
Disputes
Fair resolution, built into every transaction.
When something goes wrong, both parties can open a dispute in one click. Our trained mediators review evidence and rule within 48 hours, no chargebacks, no guesswork.
Evidence-based decisions
Upload chats, receipts, delivery proof and tracking. Mediators review the full record.
Trained human mediators
A specialist team handles disputes, escalation paths for high-value transactions.
48-hour SLA
Most disputes are resolved in under two business days, with funds released the same hour.
Dispute
DSP_7H4P-22LM
Buyer claim
"Item received does not match the listing, wrong color and missing accessories."
Seller response
"Shipped exact SKU, attaching invoice and packing photos for review."
Mediator response expected within 26 hours.
Built on solid ground
The platform behind every transaction.
Compliance, security and developer tooling are first-class, not an afterthought.
KYC & KYB
BVN and NIN verification for individuals, CAC document checks for businesses.
Bank-grade security
Encryption at rest and in transit, role-based access, and continuous audit logging.
Built for Nigeria
NGN settlement secured with our licensed partner bank.
Developer-first API
REST + webhooks, idempotent endpoints, and clear documentation.
Real-time notifications
Email and in-app updates at every state change.
Compliance reporting
Exportable statements, audit logs and AML transaction monitoring.
Pay anyone. Sell to anyone.
Create your free account in minutes. Verification is quick, and your first protected transaction is closer than you think.