Why KetaPay
ThesafewaytotransactinNigeria.
Bank transfers leave you exposed. KetaPay holds your funds until both sides are satisfied, dispute-protected, backed by regulated payment infrastructure, built for Nigeria.
Reason 01
Your money doesn't move until you say so.
The moment you create a KetaPay deal, your funds are locked in a protected account. The seller cannot touch them. The buyer cannot reverse them. No one moves until both sides agree or a dispute is resolved.
Funds Secured
Held in escrow
Reason 02
Track conversation with In app Messanging
Buyers and sellers can communicate directly within the transaction, keeping every detail clear and in context. No lost chats, no switching apps, no confusion about what was agreed. It creates better transparency for both parties and provides a clear record of the conversation in case of any dispute.
Extras
Send invite directly via WhatsApp
KetaPay fits right into how business already happens in Nigeria. Share a deal instantly through WhatsApp and bring the transaction into escrow without breaking the flow of conversation. It’s seamless, familiar, and built for how people already buy and sell.
Reason 03
Payments processed by licensed providers.
KetaPay is built on top of Paystack and other CBN-licensed payment infrastructure — the same rails that power Nigeria's most trusted fintechs. Your money moves through regulated channels at every step.
Reason 04
Disputes resolved fairly. Within 48 hours.
When things go wrong, KetaPay steps in, not your bank. Our legal team review evidence from both sides independently and deliver a fair ruling fast.
Raise a dispute
If something goes wrong, either party can open a dispute directly inside the app in less than a minute.
Evidence submitted
Both the buyer and seller are given the opportunity to submit supporting evidence. This can include chat history, and any other relevant proof
Dispute team
A dedicated KetaPay's legal member is assigned to the case to independently review both sides of the transaction.
Decision delivered
Once the review is complete, a fair and reasoned decision is delivered based on the available evidence and the agreed transaction terms.
Funds released
After a final decision is made, the secured funds are released to the appropriate party immediately.
Reason 05
Business growth by bridging trust gap.
Buyers hesitate when they’re unsure a seller will deliver. KetaPay bridges that trust gap and a safety net, helping individual & businesses close more deals and win customers who otherwise wouldn’t proceed.
Reason 06
You always know who you're dealing with.
Every person on KetaPay has gone through BVN verification, government ID checks, and liveness detection. No fake accounts. No online scams. Just real Nigerians you can trust.
Reason 07
Smooth & seamless transaction.
KetaPay simplifies the entire transaction process from agreement to payment release. Either party can create deals, secure funds, track every step in real time, and complete transactions without unnecessary friction, making online commerce safer and more reliable for everyone.
AES-256-GCM · TLS 1.3 · Zero-knowledge storage
PCI-DSS Level 1 · SOC 2 Type II ready
Reason 08
Works for any deal.
Big or small.
Whether you're buying a phone from Twitter market or closing a ₦50M automobile deal — KetaPay handles it. No minimum. No maximum. No drama.
From ₦5,000 to ₦500,000,000 — KetaPay protects you.
Reason 09
Transparent charges. No hidden fees.
KetaPay keeps charges simple and clear from the start. Both parties see and agree to the fees upfront before any transaction begins, no hidden costs, or unexpected fees later. What you see is exactly what you pay.
KetaPay fee
3%
split equally — 1.5% eachThe old way
Your next transaction deserves protection.
Create your KetaPay account in under 2 minutes. No card required to get started.