👤 For buyers
Your money is never in the seller's hands until you confirm satisfaction. If delivery fails, raise a dispute and recover funds through a structured process.
Complete platform guide
How Afripay Global works — for everyone
A secure financial platform for buyers, sellers, businesses, property dealers, and developers. Escrow holds your money safely until both sides agree — here's how every feature works.
What is Afripay Global?
Afripay Global is a fintech platform operated by Afrigates Digital Limited (CAC Reg No. 9332314), designed to make every financial transaction secure, transparent, and dispute-protected. At its core is escrow — a neutral holding service that locks funds until agreed conditions are met. Whether you are a freelancer, a business owner, a property agent, or a developer integrating payments, Afripay Global gives you the tools to transact with confidence.
🔐 Escrow protection
Funds are held by Afripay Global — not the seller — until you confirm delivery. No "pay and pray".
💳 Multi-currency cards
Issue virtual or physical cards funded from any wallet — NGN, USD, GBP, EUR — for global spending.
🏡 Property marketplace
Browse verified listings, chat with agents, and complete property transactions backed by escrow.
💼 Business payments
Branded payment links, invoicing, team approvals, and escrow checkout — built for growing businesses.
🔐
How secure escrow works
Funds stay locked until both sides are satisfied — for buyers, sellers, freelancers, and property deals.
The escrow flow — step by step
1
Agree on terms
Buyer and seller agree on the price, delivery conditions, and timeline — all inside Afripay Global's deal creation flow.
2
Buyer funds escrow
The buyer deposits the agreed amount into escrow. The money is securely held by Afripay Global — the seller is notified but cannot access the funds yet.
3
Seller delivers
Goods, services, or property handover happens. The seller can share delivery proof, tracking, or documents through the deal chat.
4
Buyer inspects & confirms
The buyer reviews what was delivered. If satisfied, they approve the deal and escrow is released to the seller instantly.
5
Dispute? We mediate
If there is a problem, either party raises a dispute with evidence. Afripay Global reviews the case and makes a fair ruling within 48 hours.
Escrow benefits for each role
🏪 For sellers
You can see committed funds before shipping or delivering. Once the buyer confirms receipt, payout is instant to your wallet — no more payment chasing.
🧑💻 For freelancers
Use milestone-based releases — get paid for each phase of a project. Clients fund escrow upfront, and you receive each milestone payout automatically on approval.
🙋
Personal account — everything you can do
A free account that gives you escrow, multi-currency wallets, cards, property access, and dispute resolution.
Getting started
1
Sign up — free, no credit card
Create your account with email, phone, and password. Your dashboard is ready in under two minutes.
2
Verify your identity (KYC)
Submit a government-issued ID and selfie. KYC unlocks higher transaction limits and withdrawal access.
3
Fund your wallet
Top up your NGN wallet via bank transfer using your dedicated virtual account number — money arrives instantly.
4
Create or join a deal
Start an escrow deal as buyer or seller, set terms and milestones, and invite your counterparty by email or link.
5
Withdraw to your bank
When escrow is released or your wallet has a balance, withdraw to any verified Nigerian bank account — settled same or next day.
What's inside your personal dashboard
Active deals
See all open escrow deals — their status, milestones, amounts, and any pending actions from you.
Wallet & balances
View NGN, USD, GBP, and EUR wallets. Top up, withdraw, or move funds between wallets via the exchange tool.
Transaction history
Full log of every payment, escrow funding, release, card spend, and exchange — filterable by date and type.
Dispute resolution
If a deal goes wrong, open a dispute, upload evidence, and track the review outcome — all from your dashboard.
Payment links
Generate a shareable payment link with a title, amount, and description — your payer opens it and pays in one tap.
Notifications
Real-time email and in-app alerts for deal updates, payment receipts, dispute status changes, and payout confirmations.
💼
Business account — payments, links & escrow at scale
Branded payment pages, team controls, invoicing, and escrow checkout — built for businesses of every size.
How the business flow works
1
Create a business account
Register your company, complete KYB (business verification), and unlock higher limits, team access, and business-grade tools.
2
Customize your payment links
Upload your logo, choose brand colours, write a product description, and set pricing. Every link gets a unique URL tied to your brand — customers see YOUR business, not a generic payment page.
3
Collect payments from customers
Send a payment request by email, WhatsApp, or social media. Customers open the link, see what they're paying for, and pay via card, bank transfer, or wallet — all tracked in your dashboard in real time.
4
Build a full sales funnel
Combine a branded landing page (headline, benefits, testimonials, and images) with an embedded Afripay Global checkout. Customers land, read, trust, and pay — in one seamless flow. Ideal for products, services, coaching, and digital downloads.
5
Manage your team & approvals
Add team members with role-based access. Use maker–checker approval rules so no large payout goes out without a second signature.
6
Escrow checkout for B2B deals
Embed escrow into supplier payments or marketplace transactions. Funds are committed upfront and released on verified delivery — protecting both sides at scale.
Business tools at a glance
Escrow checkout
Offer protected checkout so buyers pay with confidence and sellers see committed funds before shipping.
Team management
Grant finance, ops, and support staff the right visibility without sharing one password or account.
Analytics & reporting
Export transaction statements and revenue summaries for month-end close, audits, and investor reporting.
Business verification (KYB)
Upload company documents to unlock higher transaction limits, payout corridors, and compliance certifications.
Custom payment domains
Use your own domain for payment pages, giving customers a fully branded checkout experience.
Higher limits & tiers
Business verification unlocks increased daily transaction caps, multi-currency withdrawals, and priority support.
💳
Virtual & physical cards
Issue a card, fund it from any wallet, and spend globally — with controls you set.
Getting your card
1
Go to Cards in your dashboard
Navigate to the Cards section from your main dashboard. Both virtual and physical options are available.
2
Issue a virtual card instantly
Choose virtual (instant) or physical (shipped to your address). Set a spending limit and confirm — your card is ready in seconds.
3
Fund from any wallet
Transfer from your NGN, USD, GBP, or EUR wallet to your card balance. The currency on the card matches your wallet of choice.
4
Spend anywhere, anytime
Use card details at any online checkout — subscriptions, shopping, tools, international services, or travel bookings.
5
Control spending & security
Set limits, freeze or unfreeze the card, and enable real-time alerts — all from your Afripay Global dashboard.
Card types & features
Virtual cards
Issued instantly after funding. 16-digit card number, expiry, and CVV — ready for any online checkout immediately.
Physical cards
A tangible card for in-store payments, ATM withdrawals, and anywhere that requires a physical card presence.
Spending limits & controls
Set daily or per-transaction spending limits, freeze your card with one tap, and receive instant alerts for every transaction.
🌍
Multi-currency wallets & currency swap
Hold NGN, USD, GBP, and EUR — swap between them at live rates in seconds, with no hidden markups.
How currency swap works
1
Top up any wallet
Add NGN via bank transfer. Receive USD, GBP, or EUR directly from international escrow payouts or transfers.
2
Open the Exchange tool
Go to Wallet → Exchange in your dashboard. Pick your source currency and the currency you want to swap to.
3
Review the live rate & confirm
The current exchange rate is shown before you confirm. No hidden fees or spread markup — what you see is what you get.
4
Use the converted balance
Fund your virtual card, open a cross-currency escrow deal, or send an international payment — all from the new wallet balance.
Multi-currency use cases
Cross-border deals
Buyer in Nigeria, seller in the UK? Both parties agree on a currency, the escrow holds it, and the swap happens automatically on release.
International card spending
Swap NGN to USD, fund your virtual card, and pay for Spotify, AWS, Netflix, or any international subscription at the real exchange rate.
Savings in foreign currency
Hold USD, GBP, or EUR in your wallet to hedge against Naira fluctuations — convert back to NGN when rates are favourable.
💰
Wallet — top up, withdraw & manage funds
Fund via bank transfer, withdraw to your bank, and track every naira — or dollar — that moves through your account.
The wallet flow
1
Top up via bank transfer
Use your dedicated virtual account number to fund your NGN wallet. Funds arrive within seconds of a bank transfer confirmation.
2
Fund escrow or swap currencies
Move wallet funds directly into an active deal to lock in escrow, or swap to a foreign currency at live rates.
3
Receive deal payouts automatically
When a buyer releases escrow, the payout lands in your wallet balance instantly — no manual steps required.
4
Withdraw to your verified bank
Initiate a withdrawal any time. Funds are settled to your verified Nigerian bank account same day or next working day.
🏡
Property marketplace & escrow
Browse verified listings, chat with agents, and complete property transactions fully protected by escrow.
Buying a property with escrow
1
Browse verified listings
Every property on the Afripay Global marketplace is verified. Filter by type (sale, rent, lease), price range, and location.
2
Chat with the agent
Message the lister directly through the platform. Negotiate terms, ask for documentation, and arrange inspections — all on record.
3
Start a secure escrow deal
Click "Start Secure Deal" on the listing. Your agreed funds are locked in escrow — they cannot be touched by the agent until you confirm.
4
Inspect the property
Visit, verify title documents, and confirm everything matches what was agreed.
5
Release escrow on confirmation
Once satisfied, release the escrow from your dashboard. The seller receives payment instantly — the deal is complete and recorded.
Listing a property
1
Create an account & complete KYC
Sign up and verify your identity to list verified properties. Verification builds buyer trust.
2
Submit your listing
Add property title, location, price, type (sale / rent / lease), photos, bedrooms, bathrooms, and a full description.
3
Get verified
Afripay Global reviews and marks your listing as verified — a trust signal that increases buyer confidence and engagement.
4
Receive enquiries & close deals
Prospective buyers contact you through the listing. Start an escrow deal to protect both parties when the negotiation concludes.
🤝
Partners & agents — earn commissions with verified status
Property agents and business partners can list, earn structured commissions, and build client trust using Afripay Global's escrow infrastructure.
Becoming a partner agent
1
Apply — free, takes two minutes
Submit your name, email, phone, service area, and a brief description of your client base. No upfront fees.
2
Get reviewed & approved
Afripay Global checks fit and compliance, then emails you a unique referral link and enables partner tools on your dashboard.
3
List properties or bring clients
Add your listings to the marketplace, or share your referral link with clients to keep deal attribution clear.
4
Earn structured commissions
Every verified deal closed through your link earns a commission at your approved rate — tracked in real time on your agent dashboard.
What partners get
Referral link tracking
Every deal attributed to your link is tracked automatically. No more manual commission reconciliation or disputes over attribution.
Verified agent badge
Approved partners receive a verified status badge — a trust signal that improves conversion when dealing with prospective clients.
Escrow-backed deals
Your clients fund escrow — not informal deposits. Fewer "I'll pay later" stalls and zero off-platform payment surprises.
⚙️
Developer API — integrate escrow into your product
REST API, sandbox environment, webhooks, and SDKs — build Afripay Global escrow into any platform.
Integration path
1
Sign up & access the developer portal
Create a free account and navigate to Developer → API Keys to generate your sandbox credentials.
2
Test in the sandbox environment
Use the sandbox to simulate escrow creation, funding, release, and dispute flows — without moving real money.
3
Integrate using the REST API
Follow the API reference to embed escrow checkout, payment links, and wallet flows into your application or marketplace.
4
Configure webhooks
Register webhook endpoints to receive real-time event notifications — deal funded, released, disputed, or resolved.
5
Go live
Switch from sandbox to production credentials. Your users now transact with Afripay Global escrow inside your platform.
Developer resources
REST API reference
Complete endpoint documentation covering authentication, escrow deals, wallet operations, payment links, and webhooks.
Sandbox environment
A full test environment with simulated wallets and deal flows — build and debug before touching real money.
Webhooks & events
Subscribe to escrow lifecycle events and payment notifications — delivered instantly to your endpoint on every state change.