One platform for trust, money movement and resolution.
HarrenaPay combines escrow, payouts, multi-currency wallets and a built-in dispute engine — so every transaction across Africa 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 CBN-licensed partner banks, 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 bank, instantly.
Pay sellers, vendors and freelancers across Nigeria today — with Ghana, Kenya and South Africa rolling out next. One API, one dashboard, every major rail.
Sub-30 second settlements
Direct NIP transfers to 800+ Nigerian banks and fintech wallets.
Cross-border ready
Send to GHS, KES and ZAR with transparent FX and no surprise fees.
Bulk and scheduled payouts
Upload CSV or schedule recurring payouts to thousands of recipients at once.
Payouts • Today
4 of 1,284Adaeze Okafor
GTBank • 0123
₦ 320,000
Paid
Kwame Mensah
MTN MoMo • GHS
GH₵ 4,200
Paid
Tunde Bakare
OPay • 7042
₦ 85,500
Processing
Wanjiku N.
M-Pesa • KES
KSh 92,000
Paid
Total settled today
₦ 184,920,400
Wallets
A multi-currency balance for every customer.
Spin up NGN, USD, GHS and KES wallets in seconds. Each wallet comes with a unique virtual account number for funding, and full ledgering for accounting.
Virtual account numbers
Issue dedicated NUBANs to customers so funding is automatic and reconciled.
FX between wallets
Convert between currencies at competitive mid-market rates inside the platform.
Webhooks & ledger API
Stream every credit, debit and transfer event into your own systems.
₦ 12,480,920.50
9012 4471 03 • Wema
$ 38,210.00
ACH • 0224 9981
GH₵ 92,400.10
Fidelity • 7740
KSh 1,204,300
M-Pesa Paybill
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.
Tiered KYC & KYB
BVN, NIN, CAC and document verification baked into onboarding.
Bank-grade security
AES-256 at rest, TLS 1.3 in transit, SOC 2 controls in progress.
Pan-African coverage
Live in Nigeria. Ghana, Kenya and South Africa coming next.
Developer-first API
REST + webhooks, idempotent endpoints, sandbox and SDKs.
Real-time notifications
SMS, email and in-app updates at every state change.
Compliance reporting
Exportable statements, audit logs and AML transaction monitoring.
Ready to make every transaction safer?
Create a free HarrenaPay account in minutes — no setup fees, no monthly minimums. Pay only when you transact.