Escrow for mobile-money trade in Ghana
Pay safely.
Get paid surely.
Buying from someone online? Pay into SurePay instead. We hold your mobile money until the item arrives as described — then release it to the seller. No more paying and praying.
- MTN MoMo, Telecel Cash & AirtelTigo
- Ghana Card-verified sellers
- Fair dispute resolution
Your money waits with us
The seller can see the payment is secured, but it's only released when you confirm delivery.
Every seller is verified
Sellers confirm their identity with a Ghana Card before they can receive a single cedi.
Problems get resolved
If something goes wrong, open a dispute. Both sides share evidence and a mediator makes a fair call.
How it works
Four steps. Nobody has to trust a stranger.
Step 1Agree on a deal
Buyer and seller agree on the item and price, then one of them opens a SurePay deal.
Step 2Buyer pays into escrow
Pay with MTN MoMo, Telecel Cash or AirtelTigo Money. SurePay holds the money — the seller can see it's there but can't touch it.
Step 3Seller ships
The seller sends the item and adds proof of delivery, like a courier reference.
Step 4Buyer confirms, seller is paid
Once the item arrives as described, the buyer confirms and the money is released to the seller's wallet.
Protection
Something wrong? Your money stays put.
Raise a dispute before you confirm. The money stays held while both sides share photos and courier receipts, and a SurePay mediator decides: refund, release, or a fair split.
Trust
Check a seller before you pay.
Every seller verifies their Ghana Card. Their Trust Score and Seller Card show a real record of completed deals, and anyone can check a card by scanning its QR code.
SurePay Card
Your good record pays you back.
Sellers unlock lower buyer fees and faster payouts as their score grows. Buyers earn cashback on every completed purchase.
For buyers
- Never send money to a stranger and hope.
- See the seller's verified identity and track record before you pay.
- Not what you ordered? Dispute it and keep your money protected.
For sellers
- Ship knowing the money is already secured — no more fake payment screenshots.
- Get paid the full price you listed, straight to your SurePay wallet.
- Build a Trust Score buyers can verify, and pay lower fees as it grows.
Fees
Simple, and shown before you pay.
The buyer pays a small fee on top of the price. The more trusted the seller, the lower it gets. Sellers always receive the full amount they listed.
- Free to sign up — no monthly charges
- Full refund of the fee if a dispute is decided in your favour
Emerging
New sellers
3.0%
Established
Proven track record
2.6%
Prime
Consistently excellent
2.3%
Elite
Top sellers
2.0%
Example: a GH₵500 item from a new seller costs the buyer GH₵515. The seller receives GH₵500.
Rooted in Ashanti wisdom
Built on values Ghana already trusts
Adinkra are Akan visual proverbs, stamped by hand onto cloth in Ntonso and worn across the Ashanti Kingdom for generations. These six say what SurePay stands for.
Funtunfunefu Denkyemfunefu
"Two crocodiles, one stomach"
Shared fate, even when wants differ.
At SurePay: Buyer and seller share one outcome. Escrow means neither can win by cheating the other.
Nkonsonkonson
"Chain link"
Unity and human relations.
At SurePay: Every deal links a buyer and a seller, and that link holds until both are satisfied.
Sankofa
"Go back and get it"
Learn from the past to build the future.
At SurePay: Your record follows you. Every honest deal builds your Trust Score.
Dwennimmen
"Ram's horns"
Strength with humility.
At SurePay: Disputes are settled firmly and fairly, on the evidence from both sides.
Adinkrahene
"Chief of the Adinkra"
Leadership and greatness.
At SurePay: Leadership that answers for itself: a person signs off every flagged payout.
Gye Nyame
"Except God"
The supremacy of God; the best-known Adinkra symbol in Ghana.
Shown with respect. We never use it as a product badge.
Symbol artwork: Adinkra Icons by Kevin K. Hagan, Apache License 2.0. Adinkra are shared Akan cultural heritage.
Questions, answered
What if my item never arrives?
Don't confirm — raise a dispute from the deal page instead. Your money stays held while the seller responds and, if needed, a SurePay mediator reviews the evidence from both sides. If the seller can't show proof of delivery, you're refunded.
How long is my money held?
Until you confirm the item arrived. After the seller ships, you have a confirmation window (72 hours for newer sellers, shorter for proven ones, longer for international delivery). If you don't confirm or dispute before it ends, payment is released automatically — so check your item promptly.
Who can sell on SurePay?
Anyone with a valid Ghana Card. Sellers verify their identity before they can receive money through escrow, so you always know who you're dealing with.
What does it cost?
Buyers pay a small fee on top of the item price — between 3.0% and 2.0%, depending on the seller's trust tier. Sellers receive the full price they listed. There's no subscription and no fee to sign up.
Which mobile money networks work?
MTN MoMo, Telecel Cash and AirtelTigo Money — both for paying into escrow and for withdrawing to your phone.
Is SurePay a marketplace?
Both. Keep buying and selling wherever you already do (Instagram, WhatsApp, TikTok, Jiji, Facebook) and pay through SurePay once you've found each other. You can also browse the SurePay marketplace, where every seller has verified their Ghana Card, and every seller gets a shop page to share.
Your next deal can be a safe one.
Create a free account in a few minutes with your phone number and email.
MTN MoMo Telecel Cash AirtelTigo Money Withdraw any time
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