Platform highlights
Enjoy fast, stable, and secure wallet transactions with cNGN, built for seamless cross-border escrow payments.
No trust? No problem. With Payluk Escrow, you can transact safely - even with a complete stranger.
Trusted by 1200 Businesses and User
Integrated with the payment networks businesses already trust
Payluk protects your money, connects to your business, and resolves issues quickly so you can trade stress-free
Secure transactions with escrow system. Funds are held until the agreement is fulfilled, ensuring guaranteed security.
Integrate Payluk's RESTFUL API. Perfect for marketplaces and e-commerce
Our dispute team investigates quickly and resolves issues fairly—so you are never stuck with a bad outcome.
Enjoy fast, stable, and secure wallet transactions with cNGN, built for seamless cross-border escrow payments.
From agreement to payout — escrow keeps every step clear.
The Payluk loop
Money moves only when the story matches the agreement.
Escrow is not about slowing you down — it is about replacing blind trust with a clear sequence: agree → pay in → deliver → confirm → settle. Below is how that plays out in practice, step by step.
Align on what is sold, for how much, and what “done” looks like. The seller shares a Payluk payment link — no bank details in the chat.
This is your handshake in writing: scope, price, and delivery expectations are clear before money moves. That clarity is what makes escrow fair when you are dealing with someone you have never met.
Good deals start explicit — ambiguity later is what disputes feed on.
The buyer pays into Payluk. We hold funds in escrow until delivery is satisfied — not in the seller’s pocket upfront.
Neither side “just trusts” the other with cash. Money sits in a controlled flow: released when the deal is honoured, or handled through dispute rules when it is not.
Escrow turns “I will pay you when…” from a promise into a process.
The seller ships, completes the service, or hands over digital goods — exactly as you defined in step one.
Proof can be tracking, milestones, files, or sign-off — whatever fits your trade. The buyer should be able to verify they received what they paid for.
Delivery is where trust is tested — escrow keeps the money honest until then.
The buyer verifies delivery and confirms satisfaction — that authorises Payluk to release funds to the seller.
If something is wrong, the buyer can raise a dispute instead of releasing. When things go right, one confirmation completes the loop.
You stay in control: release when satisfied, or dispute when you are not.
We settle to the seller. The transaction closes with a clear record of what happened and when.
Businesses get predictable payout after delivery; buyers never “paid and prayed” — they paid into a flow that only finished when the deal did.
Stress-free is money moving only when the story matches the agreement.
Align on what is sold, for how much, and what “done” looks like. The seller shares a Payluk payment link — no bank details in the chat.
Good deals start explicit — ambiguity later is what disputes feed on.
The buyer pays into Payluk. We hold funds in escrow until delivery is satisfied — not in the seller’s pocket upfront.
Escrow turns “I will pay you when…” from a promise into a process.
The seller ships, completes the service, or hands over digital goods — exactly as you defined in step one.
Delivery is where trust is tested — escrow keeps the money honest until then.
The buyer verifies delivery and confirms satisfaction — that authorises Payluk to release funds to the seller.
You stay in control: release when satisfied, or dispute when you are not.
We settle to the seller. The transaction closes with a clear record of what happened and when.
Stress-free is money moving only when the story matches the agreement.
From everyday transactions to high-value deals, Payluk gives you the freedom to buy, sell, and pay with total confidence.
We cover electronic items, home appliances, gadgets, accessories, cars, bikes, auto parts, beauty products, and general online purchases.
We have software and subscriptions, e-books and courses, software and gaming licenses, digital assets and licenses, social media accounts, and more.
We support a wide range of services, including freelance and creative work, home repairs, personal grooming, airtime/data top-ups, virtual assistant, and marketing or tech services.
Because trust, security, and seamless transaction is non-negotiable.
We hold your money in a regulated escrow wallet, protected with encryption, fraud-detection layers, and multi-factor authentication.
Payluk helps you close deals with strangers confidently. Buyers can pay upfront. Sellers can deliver without fear.
Payluk supports all forms of legal businesses with professional tools like transaction tracking, payment requests, and smart deal flow.
Create, manage, and complete secure deals from anywhere in the world. All you need is your mobile phone.
Here what users are saying about Payluk.
Straightforward answers on escrow, security, fees, crypto, and how Payluk keeps your deals protected.
Need something else? Use in-app support or the contact options in the footer—we typically reply within one business day.
Yes, Payluk is a fully registered and licensed financial services company. We operate in compliance with all relevant regulations and maintain the highest standards of financial security and transparency. Our registration ensures that your funds are protected and transactions are conducted legally and securely.
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