A step-by-step guide for both sellers and buyers. See exactly how your money is protected from start to finish.
Every payment follows this protected flow. Your money is never at risk.
Buyer pays via M-Pesa or card
Secured in escrow
Buyer confirms order
Seller gets paid instantly
Buyer pays via M-Pesa or card
Secured in escrow
Buyer confirms order
Seller gets paid instantly
No more chasing buyers. No more fake M-Pesa screenshots. Create an invoice, share the link, and get paid automatically when the buyer receives their order.
Create your seller account in under 2 minutes. All you need is your phone number, store handle, and M-Pesa details.
For each sale, create an invoice with the buyer's handle, item description, and price. InstaEscrow generates a unique, tamper-proof payment link — and a permanent record of every transaction.
Send the link to your buyer. They pay via M-Pesa or card directly through the link — money goes to InstaEscrow's escrow, not to a personal number that could be faked.
Once you've shipped the item, mark the invoice as delivered. The buyer gets notified to inspect and confirm receipt.
When the buyer confirms delivery, the funds release to your M-Pesa instantly. No waiting, no chasing.
Seller Journey
When you pay through InstaEscrow, the seller can't touch your money until you confirm you received the right item. If something goes wrong, you're protected.
Your seller will send you an InstaEscrow payment link via DM or WhatsApp. This link is your proof that they're a registered, verified seller.
Pay through the secure link using M-Pesa or your debit/credit card. Your money goes to InstaEscrow's escrow account — NOT directly to the seller. This is the key difference.
When the seller ships, you'll get notified. Take your time to inspect what arrived — make sure it matches the description and photos.
Happy with your order? Confirm delivery and the seller gets paid. Something wrong? Open a dispute — your money stays frozen while it's resolved.
Buyer Journey
Disputes are handled fairly with evidence from both sides. Your money is protected throughout.
Free for sellers — no sign-up fee, no commission, no monthly costs. Buyers pay a flat KES 20 peace of mind fee per transaction. That's it. If a dispute is raised and resolved, the losing party pays a dispute resolution fee — this keeps both sides honest.
No. InstaEscrow works entirely in your browser. Sellers access their dashboard via the web, and buyers pay through a simple payment link.
M-Pesa is our primary payment method, designed for the Kenyan market. Card payments (Visa/Mastercard) are also supported through our secure payment processor.
Buyers are prompted to confirm delivery once the seller marks the order as shipped. As soon as they confirm, the seller gets paid instantly. If there's an issue, they can open a dispute instead.
All disputes require evidence (photos, descriptions). Our resolution team reviews both sides before making a decision. False disputes are flagged and repeat offenders are banned.
As soon as the buyer confirms delivery, funds are released to your M-Pesa instantly. No waiting periods — you get paid the moment the buyer is happy.
Yes. Every transaction generates a structured invoice with a unique code, payment timestamp, item details, and delivery confirmation. For sellers running their business on Instagram or WhatsApp with no other paper trail, InstaEscrow becomes your de facto accounting record — proof of sales, proof of payment, and a full audit log if a dispute ever arises.
Join thousands of Kenyan sellers and buyers who trade with confidence.