You Can Now Add Escrow to Your Product. Meet the Payluk API.

Every platform that handles money between two people has the same problem.

One party is not sure the other will follow through. And when something goes wrong, your platform is the one that gets the angry messages, the bad reviews, and the lost customers.

You did not create the distrust. But your product lives or dies by whether your users feel safe enough to transact on it.

That is the problem Payluk's escrow API is built to solve.

What Is the Payluk API?

In simple terms, it is a way to plug Payluk's escrow engine directly into your own product.

Instead of sending your users to a separate platform to set up escrow protection, the entire experience lives inside your app, your website, or your platform. Your users never have to leave. They just transact, and the protection is already there working in the background.

You bring the product. Payluk brings the escrow infrastructure.

What It Can Do for Your Business

Here is a breakdown of what the Payluk API puts in your hands, in plain business terms.

Create Escrow Transactions

When two of your users agree to a deal, your platform can automatically create a protected escrow transaction for them. The funds are held securely until the conditions of the deal are met. No manual setup. No back and forth. It happens right inside your product.

Check Transaction Status in Real Time

Your users always want to know where their money is. With the Payluk API, your platform can display live transaction updates at every stage of the escrow process. From the moment funds are deposited to the moment they are released, your users are never left wondering.

Release Funds Programmatically

Once the receiving party has delivered as agreed and the other party confirms, your platform can trigger the release of funds directly through the API. The whole process is smooth, fast, and requires no manual intervention from your team.

Dispute Resolution

When a transaction does not go as planned, dispute resolution APIs are also available to help your platform manage the situation in a structured and controlled way.

Who This Is Built For

If money moves between two parties on your platform, the Payluk API was built with you in mind. Here are just a few examples of the kinds of businesses it serves.

E-commerce and marketplace platforms Sellers want to get paid. Buyers want to receive what they ordered. Escrow makes both sides confident enough to transact, which means more completed orders and fewer abandoned carts.

Real estate and proptech platforms Property transactions involve large sums of money and a lot of document verification. Giving your users built-in escrow protection makes your platform the obvious choice for serious buyers and sellers.

Freelance and gig economy platforms Clients worry about paying for work that never gets delivered. Service providers worry about completing work for clients who never pay. Escrow eliminates both fears and keeps your platform trusted on both sides of every engagement.

Vehicle sales platforms Buying or selling a car in Nigeria is high risk without protection. A platform that offers escrow built in is one that both parties will come back to every time.

And many more. If your platform sits between two parties and money is involved, Payluk's API has a place in your product.

What Your Users Will Actually Experience

When your platform integrates the Payluk API, your users do not see an API. They just see a safer, smoother experience.

They see a platform that holds funds securely until both parties are ready to complete the deal. They see real time updates that keep everyone informed. They see a dispute process that is structured and fair. And most importantly, they see a reason to trust your platform over every competitor that is still relying on direct transfers and crossed fingers.

That trust is not just good for your users. It is good for your business. Trusted platforms get more transactions. More transactions mean more revenue. And users who feel safe on your platform do not go looking for alternatives.

Test Environment

Payluk offers a sandbox and test environment so you can explore the API and see exactly how it works inside your product before going live. You get to build, test, and get comfortable without touching real money.

When you are ready to go live, the switch is seamless.

Get Started

Visit payluk.ng/developers to explore the API documentation and see how it fits into your product.

If you have questions or want to talk through your specific use case before diving in, you can also reach the Payluk team directly at support@payluk.ng.

Your users deserve a safer way to transact. Now you have the tools to give it to them.