Trust & safety
How we protect your money in escrow—from M-Pesa payment to release—with clear rules, technology, and transparent processes.
At eConfirm, the security of user funds is our top priority. Our platform uses a peer-to-peer escrow system designed to reduce fraud, limit transaction risk, and help both parties meet their obligations. The process is structured and built on clear rules, backed by technology you can follow step by step.
eConfirm acts as a trusted intermediary between the Sender (payer) and the Receiver (payee). Once the Sender initiates a transaction and pays through M-Pesa, funds are held in escrow by the platform. They are not available to either party until the agreed conditions are fulfilled.
From payment to release—what happens at each stage.
When the Sender deposits funds via M-Pesa, the money is locked in escrow. Funds cannot be moved, withdrawn, or altered by either party outside the agreed flow.
A record of the transaction is created with the terms both parties agreed to (for example delivery window, item or service description). The Receiver is notified and can review terms; funds remain protected.
The Receiver delivers the promised goods or services. The Sender verifies delivery and quality against what was agreed.
Only the Sender can release funds (for example via confirm-and-release after successful delivery). This helps ensure funds move only when the agreed outcome is met.
If delivery fails or is unacceptable, funds stay protected while the issue is reviewed. Mediators may assist; where needed, cases can be escalated in line with platform rules and applicable law. eConfirm does not release escrow funds unilaterally without following the defined process.
Technical and operational safeguards built into the platform.
Funds are held separately from everyday operating balances, supporting clear accounting and reducing misuse.
Payment and sensitive data are protected using industry-standard encryption in transit and at rest, consistent with how we operate the service.
Key actions—payments, status changes, disputes, releases—are logged and timestamped to support transparency and evidence if a conflict arises.
Release is driven by the verified Sender’s action within the product rules—not ad-hoc overrides—so expectations stay consistent.
Together, automation, user-controlled release, and neutral mediation help keep transactions fair and fraud-resistant—so Senders and Receivers can transact with greater confidence.
For legal terms, see our Terms & Conditions and Privacy Policy.
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