A safer way to pay someone you've never met.
HarrenaPay holds the buyer's money in escrow and releases it only when delivery is verified. Buyers can't be scammed. Sellers can't be cheated. Built for how Nigeria really buys and sells.
Naira transactions · Escrow-secured · NDPC-registered
₦45,000
iPhone 13 · Lagos → Abuja
Seller cannot withdraw until delivery is confirmed
Every online deal in Nigeria starts with the same question: who goes first? The buyer who pays first can lose their money. The seller who ships first can lose their goods. HarrenaPay removes the question.
Nobody goes first. The money goes first — into escrow.
01
Buyer pays into escrow
The money leaves the buyer's hands but doesn't reach the seller. It's locked in a secure escrow wallet that neither side can touch.
02
Seller ships with confidence
The seller sees committed, verified money — not a screenshot — and ships. Delivery is checked at collection and proven at the door with Snap-to-Deliver photo verification.
03
Money is released
Delivery confirmed, funds released to the seller. If something goes wrong instead, the money stays locked while our dispute process resolves it with evidence from both sides.
For Sellers
Selling on Instagram, WhatsApp or TikTok?
Stop losing the buyers who don't trust you yet. Share a HarrenaPay payment link, let them pay into escrow, and watch 'let me think about it' become a sale. Get paid the moment delivery is confirmed.
For Buyers
Buying from a vendor you've never met?
Your money doesn't go to them — it goes into escrow. They only get paid when your order is verified in your hands. If it never arrives, your money comes back.
Trust you can see before you pay.
Every seller on HarrenaPay carries a Trust Score built from real, verified transactions — deliveries completed, disputes resolved, response times. Honest sellers earn badges that travel with them: New, Rising, Trusted, and Harrena Verified Pro. No more vouching by screenshot.
How the Trust Score worksA trust company has to earn yours first.
Registered & regulated presence
Harrena Africa Synergy Ltd, incorporated in Nigeria (RC 8309351) and registered with the Nigeria Data Protection Commission.
Your money, ring-fenced
Escrow funds sit in dedicated wallets, separate from our own operating money, until release conditions are met.
Evidence, not arguments
Two-factor delivery verification with photographic proof means disputes are settled by records, not by who shouts loudest.
Honest by design
We publish exactly what we charge, exactly what we do, and exactly where we operate: Nigeria, in Naira. We'd rather under-promise than ever break a promise.
Fees you can read in ten seconds.
Protection from about 1% per transaction. Wallet-to-wallet transfers are free. No hidden charges, no surprises at payout.
See full pricingIf a fee isn't on this list, we don't charge it.
Questions, answered.
More questions? See the full FAQ or reach us at support@harrenapay.com.
Pay anyone. Sell to anyone.
Create your free account in minutes. Verification is quick, and your first protected transaction is closer than you think.