How It Works
Where your money goes, step by step.
No magic, no fine print. Here is exactly what happens to every Naira from the moment a buyer pays to the moment a seller is paid.
Agree the deal
Any channel — DM, chat, link
Money locks
Escrow — neither side can touch it
Seller ships
Verified at collection point
Snap-to-Deliver
Photo proof at your door
Funds released
To seller's wallet
Agree the deal
Buyer and seller agree on the item and the price — on Instagram, WhatsApp, Harrena Marketplace, anywhere. The seller shares a HarrenaPay payment link or the buyer pays directly in the app.
Money locks in escrow
The buyer pays. The money does not go to the seller — it goes into a secured escrow wallet. The seller gets an instant notification: the money is real, committed, and waiting. Neither side can touch it.
Seller ships, verified at collection
The seller hands the package to the delivery partner, where it's verified at collection — the first of two delivery checks. The buyer can follow the order in the app.
Snap-to-Deliver at the door
At handover, the delivery is verified a second time with Snap-to-Deliver: photographic proof that the package reached the buyer. This protects the buyer from non-delivery — and protects the seller from false 'it never arrived' claims.
Money releases
Delivery confirmed → escrow releases to the seller's HarrenaPay wallet. From there: keep it in the wallet, send it to another HarrenaPay user free, or withdraw to any Nigerian bank.
And if something goes wrong?
The buyer opens a dispute in the app before confirming. The money stays locked — the seller cannot withdraw it, and the buyer cannot recall it. Both sides submit evidence: order details, chat records, the collection check, the Snap-to-Deliver photos. Our resolution team reviews it and the funds go where the evidence says they should: released to the seller, refunded to the buyer, or split as agreed. Return shipping follows fault — if the wrong or faulty item was sent, the seller pays the return; if the buyer simply changed their mind or made a mistake, the buyer does.
That's the whole system. No step happens on trust alone — every step is verified, recorded, and reversible until it's proven.