How it works
A stranger sent you a payment link, you paid it, and now you want to know exactly what you just did. This page walks every step: what happens to the money, who can touch it, and what to do if something goes wrong.
If you paid
Right now your money sits in escrow, recorded in a double-entry ledger, the same accounting method banks use, where every movement is written as paired entries that must balance. The seller is told their order is funded, so they have every reason to start work. You have every reason to relax: the money is not theirs yet.
From the seller's side
This is the moment the seller stops worrying. You are not going to disappear after they deliver, because the money is already secured. That is why escrow works for sellers too: it removes their 'deliver first and hope' problem.
Who can access the money while it's held?
Only Saharix's escrow ledger, and only according to the contract's outcome: release to the seller on approval, refund to you, or a decided split. Neither party can withdraw escrowed funds directly.
Can the seller see my card details?
No. Card data never touches Saharix servers, let alone the seller's. Checkout is handled by the payment processor, and the seller only sees that the order is funded.
How long does the money stay in escrow?
Until one of three things happens: you approve the delivery, the inspection window closes with no action from you, or a dispute is decided. There is no timer pressure on payment links beyond the inspection window, and you can always approve early or raise an issue before it ends.
The short version
Whether it's a ₦7,500 order from an Instagram link or a ₦2,000,000 contract split into milestones, the money follows the same path, and it only moves at step five because someone looked at the work and said yes.
Approved deliveries pay out net of the fee: 1.5% on links, 2.0% on contracts, capped at ₦50,000.