Escrow services
built for fintechs.
Hold buyer funds in a licensed escrow account, release only when delivery is confirmed, and cut chargebacks to near-zero. Purpose-built for fintechs, marketplaces, and high-trust merchants.
Why KashePay
Escrow that actually fits payments infrastructure
Most escrow providers were built for real estate. KashePay is built for online commerce, marketplaces, and merchant flows — with the compliance a bank partner requires.
Bank-grade custody
Funds sit in a regulated escrow account with OmniBSIC Bank, our licensed banking partner.
API-first SafePay
Create, fund, and release escrow transactions programmatically — no manual paperwork.
Built-in KYC & AML
Every party is verified before funds move. Compliance is included, not bolted on.
Chargeback protection
Once buyers confirm delivery, sellers get paid. No card networks, no reversals.
Transparent fees
One flat escrow fee. No hidden FX spreads, no per-transaction surprises.
Dispute resolution
Our team reviews evidence from both sides and releases funds fairly.
SafePay flow
How a KashePay escrow transaction works
Whether you're settling a marketplace order, a broker deal, or a large B2B invoice, every transaction follows the same simple, auditable flow.
- 1
Create the transaction
The buyer or seller opens a SafePay transaction with the amount and delivery terms. Both parties are notified.
- 2
Buyer funds escrow
The buyer deposits the funds into the regulated escrow account. Money is locked — not paid to the seller yet.
- 3
Seller delivers
The seller ships, releases, or performs the service, then marks it delivered inside SafePay.
- 4
Release on confirmation
The buyer confirms delivery and funds are released to the seller instantly. If there's a dispute, our team steps in.
Who uses this
Escrow services for real fintech use cases
From payment platforms wanting a trust layer, to marketplaces settling high-value orders, to brokers moving property and vehicles — KashePay's escrow services replace risky "pay upfront" flows with something both sides trust.
If your users hesitate to send money to strangers online, escrow is the missing primitive.
- ✓Fintechs adding a trust layer to peer-to-peer payments
- ✓Marketplaces with high-value or shipped goods
- ✓Brokers handling property, vehicle, and equipment sales
- ✓B2B merchants settling invoices across borders
- ✓Freelance and services platforms with milestone payouts
- ✓Crypto OTC desks and off-ramp providers
"Escrow isn't just for real estate. Any transaction where the buyer sends money before receiving the goods should live in escrow."
— KashePay engineering
The details
What makes KashePay different from card processors
Card processors like PayPal and Stripe are excellent at moving money quickly — but they push all the risk onto the merchant. When a buyer disputes, the merchant loses the funds, the goods, and a chargeback fee. For high-ticket items or unfamiliar sellers, that dynamic breaks.
Escrow services flip that model. The funds are held by a neutral third party — us — inside a licensed banking account. Nobody gets paid until delivery is confirmed. That means no chargebacks, no arbitrary reversals, and a paper trail both parties agreed to upfront.
Want to see the pricing and feature differences side by side? Read our PayPal vs Stripe vs escrow comparison. Or check the transparent fee breakdown.
New to the concept? Start with our escrow FAQ — it covers how escrow works, what an escrow service actually is, and how funds move from step to step.
Ready to move money the safe way?
Open your first SafePay escrow transaction in minutes. No paperwork, no card networks, no chargebacks.
Start a SafePay Transaction