harrenapay

Escrow volume secured: ₦ 18,742,915,043

Payment infrastructure to build trust across Africa.

HarrenaPay holds funds securely until both parties are satisfied — powering safer commerce for marketplaces, freelancers, vendors and B2B trade, from your first transaction to your billionth.

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JumiaKongaAndelaGIG LogisticsBoltFlutterwaveMTN

A unified platform for trusted commerce.

One account, one dashboard, one API. Everything you need to send, receive and protect money — built for African businesses.

Escrow

Hold funds safely until both sides agree.

Buyers fund, sellers ship, HarrenaPay releases. A neutral vault that removes payment risk from every deal.

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Payouts

Move money to anyone, anywhere in Africa.

Local rails in NGN, GHS, KES and more. Instant settlement to bank accounts, mobile money, and HarrenaPay wallets.

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Disputes

Built-in resolution that protects everyone.

Submit evidence, chat with a mediator, get a fair outcome. Funds stay locked while we work it out.

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Built for every kind of African transaction.

From a ₦5,000 marketplace order to a ₦500M cross-border contract — HarrenaPay scales with how you sell, hire and trade.

Marketplaces

Protect every order from checkout to delivery with auto-escrow on each transaction.

Freelancers

Milestone-based payments so creators get paid and clients get the work they expect.

Logistics

Cash-on-delivery, made digital. Funds released only when goods are confirmed received.

B2B Trade

High-value contract escrow with KYB verification and split payouts to suppliers.

Cross-border

Trade safely with vendors across Africa using multi-currency wallets and FX.

Wallets & Cards

Hold balances, fund deals, and spend anywhere with virtual NGN and USD cards.

Developer-first

Integrate escrow in minutes, not months.

A clean REST API, official SDKs, and webhooks for every event. Move from sandbox to production without rewriting a line of code.

  • PCI-DSS Level 1 & ISO 27001 certified
  • End-to-end encryption with HSM-backed keys
  • Automated KYC/KYB and AML screening
  • Funds segregated in licensed partner banks
create-escrow.ts
import { Harrena } from "@harrena/node";

const harrena = new Harrena(process.env.HARRENA_KEY);

const escrow = await harrena.escrows.create({
  amount: 250_000,
  currency: "NGN",
  buyer:  { email: "ada@buyer.ng" },
  seller: { email: "tunde@seller.ng" },
  release: "buyer_confirmation",
});

// → escrow.id   "esc_01HZX9F2..."
// → escrow.status  "funded"

Customer story

"HarrenaPay cut our refund disputes by 87% in the first quarter. Buyers trust us more, and we ship faster than ever."
CO

Chiamaka Okafor

Head of Operations, NaijaMart

₦18B+

Secured in escrow

12,000+

Active businesses

99.99%

Uptime SLA

< 24h

Avg. dispute time

Questions, answered.

Can't find what you're looking for? Our team replies in under an hour.

Ready to make every transaction safer?

Create a free HarrenaPay account in minutes — no setup fees, no monthly minimums. Pay only when you transact.

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