Your payment stays with FocalHold Escrow, not a stranger's account, until you both agree the deal is done.
Every deal follows the same sequence, so there's never any ambiguity about where the money is.
Describe what's being paid for, agree an amount, and invite the seller by email.
The seller reviews and accepts the terms. The buyer then pays into escrow — not to the seller directly.
The seller fulfills the order or delivers the product, then marks the deal as delivered.
Once the buyer confirms everything checks out, we release payment to the seller, minus our fee.
Payment sits with us the moment it lands, untouched until the buyer confirms the deal is fulfilled.
Sellers accept terms before payment. Buyers confirm delivery before release. No unilateral moves.
Every action — invited, accepted, funded, delivered, confirmed — is logged and visible to both parties.
If something's not right, either side can raise a dispute and our team steps in to review evidence and decide.
Our fee is shown before the buyer pays a kobo — no surprise deductions at the end.
If a deal doesn't work out, the buyer's payment is returned, minus a small refund fee.
Escrow balances sit with a licensed banking partner, not on our books.
Every buyer and seller passes identity checks before funds can move.
Payment details and messages are encrypted in transit and at rest.
A real team reviews evidence when a deal is contested, not a bot.
Your money never goes straight to someone you've never dealt with. It sits with us until you're satisfied.
Once a buyer funds the escrow, the payment is confirmed and waiting — you deliver knowing it's real.
There's no monthly cost and no charge for deals that never get funded.
Fees are shown to the buyer before they ever pay, and are the same for every category.
FocalHold Escrow holds the buyer's payment from the moment it's confirmed until the buyer approves the release, or an admin approves a refund. Neither party can access it unilaterally.
The buyer can raise a dispute. Our team reviews it and, where the seller hasn't fulfilled their side, refunds the buyer minus the refund fee.
No. Funds are only released to the seller after the buyer confirms fulfillment, or after an admin resolves a dispute in the seller's favor.
Sellers can raise a dispute once they've marked a deal delivered. Our team reviews the evidence from both sides and makes the final call.
No. The buyer invites the seller by email. If the seller doesn't have an account yet, they're prompted to create one before accepting the deal.
Set up your first deal in a couple of minutes. No cost until it's funded.
