Secure Every Transaction, Start to Finish
No trust? No problem. With Payluk Escrow, you can transact safely - even with a complete stranger.
Built for Safe, Seamless and Secure Transactions
Payluk protects your money, connects to your business, and resolves issues quickly so you can trade stress-free
Escrow Payment Protection
Every transaction is secured with our trusted escrow system. We hold funds until both the buyer and seller fulfill their agreement. No loopholes. Guaranteed security.
Merchant API Integration
Secure your entire platform with Payluk’s flexible API - perfect for marketplaces, logistics apps, classified sites, and business platforms.
Dispute Resolution
Our expert dispute resolution team steps in quickly to investigate and resolve issues fairly, ensuring everyone is served.
How Payluk Works
What can you use Payluk For?
From everyday transactions to high-value deals, Payluk gives you the freedom to buy, sell, and pay with total confidence.
SERVICES
Freelance & Creative Services
Home Repairs & Maintenance
Real Estate Rentals and Purchases
Virtual Assistance
Marketing & Tech Services
PHYSICAL GOODS
Electronics (Phones, Laptops, Gadgets)
Fashion, Jewelry, and Accessories
Cars, Bikes, and Auto Parts
Beauty Products
General Online Store Orders
DIGITAL PRODUCTS
Software & Apps
E-books & Courses
Web Development Projects
Digital Assets & Licenses
Social Media Accounts & More
Why Users Trust Payluk?
Bank-Grade Escrow Security
We hold your money in a regulated escrow wallet, protected with encryption, fraud-detection layers, and multi-factor authentication.
Instant Buyer-Seller Trust
Payluk helps you close deals with strangers confidently. Buyers can pay upfront. Sellers can deliver without fear.
Built for Real Businesses
Payluk supports all forms of legal businesses with professional tools like transaction tracking, payment requests, and smart deal flow.
Mobile-first Business
Create, manage, and complete secure deals from anywhere in the world. All you need is your mobile phone.
Mobile-first Business
Create, manage, and complete secure deals from anywhere in the world. All you need is your mobile phone.
Get startedReal Stories from Real Users
I bought a DSLR camera from someone I met in a photography group online. Normally, I’d be scared to send money, but we used Payluk and the whole thing went smoothly. I confirmed the camera was working before the seller got paid. No stress, no wahala.
Tunde, Graphics Designer, Lagos
I’m a small business owner who sells custom wigs. Fake alerts almost ruined my business until I found Payluk. Now I just send a payment link, once it’s funded, I deliver. It has saved me so much stress and helped me look more professional.
Mariam, Entrepreneur, Port Harcourt
As a freelancer, Payluk has helped me get serious clients. I now ask every new client to pay via escrow. No more ‘I'll pay you later’ stories. Once I deliver, I get paid. Simple.
Kingsley, Freelance Web Developer, Ibadan
We used Payluk when I was renting out a 3-bedroom apartment in Enugu. The tenant paid into escrow, and I handed over the keys once everything was in place. It built instant trust.
Chuka, Real Estate Agent, Enugu
I sell digital products like eBooks and courses. With Payluk, buyers are more comfortable paying upfront because they know they’re protected. Once they confirm delivery, I get my money instantly. It's a win-win.
Aisha, Digital Creator, Abuja
Got questions? We got answers!
Feel free to reach out to us if you have more questions for us.
Coming Soon
Payluk’s Mobile App
