Escrows

Escrows are automatically created when a buyer pays through a payment link. You don't create escrows directly — they are the result of a successful payment. Escrows protect both buyers and sellers by holding funds until delivery is confirmed.

Escrow lifecycle

PENDING → ACTIVE → AWAITING CONFIRMATION → COMPLETED
                ↘ DISPUTED → COMPLETED / REFUNDED
                ↘ REFUNDED
                ↘ CANCELLED

Status descriptions

Fee structure

Fees are added on top of the transaction amount at payment time. The buyer pays the base amount plus fees; the seller always receives the full base amount on release.

• Platform fee— Kashia's fee on every transaction (default 1.5%, minimum ₦100, cap ₦50,000)
• Marketplace fee — optional commission for marketplace merchants (0–20%, optional cap). Single-vendor merchants charge 0%.
• Fees are snapshotted on the escrow when payment is received
• Example: ₦1,000,000 item + ₦15,000 platform fee + ₦100,000 marketplace fee → buyer pays ₦1,115,000, seller receives ₦1,000,000
• On refund or cancellation, the buyer receives the base amount only — fees are non-refundable. See Fees for details.

Endpoints

Escrow actions

These endpoints accept Merchant JWT or User JWT depending on the action. Marketplace apps can also use hosted action links — see Action Links.

{ "reason": "..." }

{ "reason": "..." }