Pay with confidence.
Get paid with certainty.

Safro protects payments between buyers and sellers. Funds are secured until delivery is confirmed, then released to the seller.

Safro User
Safro Business dashboard

The money moves only when the deal is done.

Safro holds the buyer’s payment while the seller delivers. Once delivery is confirmed, the seller gets paid and both sides keep a clear transaction history.

Buyer pays

Secure

Money is held safely by Safro

Seller delivers

Verify

Delivery or completion is confirmed

Safro releases

Settle

Seller receives funds after approval

Both sides keep

Proof

Clear status, history, refunds, and disputes

Why Safro?

Escrow Protection For Real Business Payments

Safro protects the money around a transaction, then helps businesses track what happened from request to delivery to settlement.

Escrow Protection

Buyer payment is secured by Safro and released only after the transaction is completed.

Products And Store Links

Add products, share your store or product link, and let customers choose delivery or pickup.

New

Business Payment Requests

Create a standard request or a Safro Protected request for a customer, product, or custom amount.

Orders And Delivery

Follow each order from payment to delivery, verification, and final settlement.

Business Records

Keep orders, customer payments, expenses, and settlement history in one clear record.

One Safro Account

Use one wallet and account number while Safro separates personal and business activity in reporting.

International purchases · Coming soon

Buy safely from abroad.
Pay in your local currency.

Safro is preparing protected international purchases. You will pay with Naira, keep a record of what the payment is for, and use Safro Protected when delivery needs verification.

NGN

Pay locally

Safe

Protected purchase

Track

From order to delivery

Refund

If payment fails

Join the waitlist
Safro protected international purchase
Pay, protect, and track

Pay from Nigeria

Use your local currency while Safro records the order, amount, seller and agreed delivery terms.

Protect the purchase

Choose Safro Protected when you want payment secured until the seller delivers and the transaction is verified.

Track to settlement

Follow the transaction from agreement to payment, delivery, verification and settlement in one Safro record.

Shopping on social media safely

Shop confidently on Instagram & WhatsApp.

Love that bag on Instagram but afraid to pay first? With Safro, you fund the transaction, but we hold the money. The vendor sees the money is there, but can't touch it until they deliver.

Tap to learn more ↑

Receive what you ordered

No more "What I ordered vs. What I got".

Inspect your delivery on arrival. If it's not what you wanted, the money doesn't leave the vault. We protect both the buyer and the seller from dishonesty.

Tap to learn more ↑

USSD offline payments

No Data? No Problem. Use USSD.

Our mobile app gives you the best experience, but we know connectivity can be tricky. Switch to our USSD service instantly when you're offline to approve payments or check balances.

Tap to learn more ↑

International Trade

Importing Goods? Pay Suppliers Globally.

Expand your business beyond borders. Use Safro to pay international suppliers securely. We hold the funds in escrow until your shipment is verified at the port or doorstep.

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Virtual Dollar Card

Disposable Virtual Dollar Cards.

Create a short-lived dollar card instantly for any online purchase. It expires after use, keeping your main funds safe from fraud.

Tap to learn more ↑

From Escrow To Settlement

One protected flow for business payments.

Safro makes the money safer first. Then Business helps merchants see the sale, customer, delivery status, settlement, and history.

Safro business agreement and secure payment flow
Real Stories

Trusted by Nigerians
everyday.

“

I almost lost N50,000 to an Instagram vendor last month. Now I use Safro for everything. If they don't agree to use Safro, I know they are scammers.

Chioma Okeke

Chioma Okeke

Fashion Entrepreneur, Lagos

“

As a vendor, customers trust me more when I tell them we use Safro. My sales have increased because they know their money is safe.

Emeka Obi

Emeka Obi

Gadget Seller, Computer Village

“

The USSD feature is a lifesaver. Sometimes the network is bad in my area, but *979# always works for checking payments.

Abdullahi Yusuf

Abdullahi Yusuf

Wholesaler, Kano

“

I ordered a wig and got something else. Thanks to Safro, I simply rejected the delivery and got my money back instantly. No stories.

Bimbo Adebayo

Bimbo Adebayo

Student, UNILAG

“

I almost lost N50,000 to an Instagram vendor last month. Now I use Safro for everything. If they don't agree to use Safro, I know they are scammers.

Chioma Okeke

Chioma Okeke

Fashion Entrepreneur, Lagos

“

As a vendor, customers trust me more when I tell them we use Safro. My sales have increased because they know their money is safe.

Emeka Obi

Emeka Obi

Gadget Seller, Computer Village

“

The USSD feature is a lifesaver. Sometimes the network is bad in my area, but *979# always works for checking payments.

Abdullahi Yusuf

Abdullahi Yusuf

Wholesaler, Kano

“

I ordered a wig and got something else. Thanks to Safro, I simply rejected the delivery and got my money back instantly. No stories.

Bimbo Adebayo

Bimbo Adebayo

Student, UNILAG

“

I almost lost N50,000 to an Instagram vendor last month. Now I use Safro for everything. If they don't agree to use Safro, I know they are scammers.

Chioma Okeke

Chioma Okeke

Fashion Entrepreneur, Lagos

“

As a vendor, customers trust me more when I tell them we use Safro. My sales have increased because they know their money is safe.

Emeka Obi

Emeka Obi

Gadget Seller, Computer Village

“

The USSD feature is a lifesaver. Sometimes the network is bad in my area, but *979# always works for checking payments.

Abdullahi Yusuf

Abdullahi Yusuf

Wholesaler, Kano

“

I ordered a wig and got something else. Thanks to Safro, I simply rejected the delivery and got my money back instantly. No stories.

Bimbo Adebayo

Bimbo Adebayo

Student, UNILAG

FAQ

Got Questions?
We've Got Answers.

From social media shopping to offline payments, we make it simple.

How does Safro Protected work?

Create a protected payment for a sale or order. Safro secures the funds, the seller delivers, and payment is released after delivery is confirmed.

Can I sell through Safro?

Yes. Create products, share your store or product link, accept normal or protected payments, and follow each order in Business.

What if the seller sends the wrong item?

For a Safro Protected payment, the funds remain secured while the issue is reviewed. Safro records the transaction and delivery history for both sides.

Do I need a separate business account number?

No. You use one Safro wallet and account number. Payments created through Safro Business are automatically recorded as Business activity.

Can customers pay without creating a Safro account?

Yes. A customer can check out as a guest with an email address for their receipt and payment updates.

Can I use Safro for delivery orders?

Yes. Customers select delivery or pickup. Delivery orders require an address, and protected orders can be verified before payment is released.

What records does Business keep?

Safro keeps the product, customer, amount, delivery details, payment status, settlement history, and relevant business expenses together.

Can I use a normal payment instead of escrow?

Yes. Use a normal payment when protection is not needed. Use Safro Protected when delivery, trust, or verification matters.

Are international purchases available now?

International purchases are coming soon. Safro will announce available purchase corridors before they are opened to customers.

Protect payments.
Settle with Safro.

Secure customer payments with Safro Protected, then track every request, delivery, and settlement.

safro.