With Lockpesa, buyers and sellers complete transactions securely—funds stay protected until delivery is confirmed.
Buyer/Seller starts the transaction.
Buyer pays into the secure Lockpesa account.
Funds are held until the deal is complete.
Seller ships item or completes service.
Buyer verifies and accepts the delivery.
Lockpesa pays the seller.
Buy or sell high-value items with flexible installment payments. Funds stay protected in Lockpesa custody until every payment is complete and delivery is confirmed.
Set the item, total price, deposit, and installment schedule (weekly, bi-weekly, or monthly) after agreeing with the buyer.
The buyer reviews the plan and accepts the Agreement Letter, Terms & Conditions, and Penalties schedule on Lockpesa.
The buyer pays via M-Pesa or bank transfer. Each payment is held securely until the plan is complete.
Lockpesa holds all installment payments. The seller cannot withdraw funds until delivery is confirmed by the buyer.
Once all installments are paid, the seller delivers the goods or completes the service—just like a standard Lockpesa deal.
The buyer confirms receipt. Lockpesa releases the held funds to the seller. Disputes are handled fairly if issues arise.
Spread the cost over time without losing protection. Pay in manageable installments while your money stays safe until you receive what you paid for.
Reach more customers with flexible payment terms. Signed agreements, held funds, and penalty schedules reduce the risk of default.
Perfect for phones, laptops, vehicles, land, and other high-value purchases.
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KES Held Securely
% Positive Resolution Rate
"Using Lockpesa was seamless. The money was held securely until I received my phone, giving me complete peace of mind. Highly recommend!"
- David M., Nairobi
Buyer (Electronics)
"I always worried about getting paid for my freelance work. Lockpesa guaranteed my payment as soon as the client approved the project. Excellent service!"
- Grace K., Kisumu
Seller (Freelance Service)
"The biggest transaction I've done online was a car. I wouldn't have done it without Lockpesa holding the funds. The process was transparent and trustworthy."
- Samuel N., Mombasa
Buyer (Vehicle)
Our goal is to resolve issues quickly and fairly. If a problem arises, funds remain locked until a resolution is reached.
Either Buyer or Seller reports an issue (e.g., item not received, item not as described) via the Lockpesa dashboard.
Both parties are given a period (e.g., 48 hours) to submit all relevant evidence, tracking numbers, and communication logs.
The Lockpesa Resolution Team reviews all evidence and attempts to mediate a mutual agreement between the parties.
If mediation fails, a final, binding decision is made. Funds are either **refunded to the Buyer** or **released to the Seller**.
Your money is protected until you confirm delivery.
Both buyer and seller are protected from fraud.
Refunds processed quickly if deal fails.
Enter the agreed-upon transaction amount below to see the total cost.
| Transaction Value: | KES 0.00 |
| Lockpesa Fee: | KES 0.00 |
| Total Payment Required: | KES 0.00 |
Pay in installments for phones, electronics & more.
Join thousands of users enjoying fraud-free buying and selling.
Start NowOur fees are calculated based on transaction bands.
If the seller fails to deliver, or the item is not as described, the buyer can raise a dispute. Our dedicated resolution team will investigate, and if the claim is valid, the full transaction amount will be **refunded to the buyer**. See our Dispute Flowchart above for details.
Payment is instantly released to the seller as soon as the buyer clicks **'Confirm Delivery'**. Funds are typically credited to the seller's account (e.g., M-Pesa, Bank) within minutes to a few hours, depending on the payment method.
We accept a variety of popular payment methods including **M-Pesa**, Bank Transfer, and major Credit/Debit Cards (where applicable). All payments are processed through secure, encrypted gateways.
Lipa Mdogo Mdogo is Lockpesa's installment payment feature. A seller creates a plan with a deposit and scheduled payments; the buyer pays over time while funds stay in Lockpesa custody. After all installments are paid, delivery works like a normal escrow deal—the seller delivers, the buyer confirms, and funds are released. See our Lipa Mdogo Mdogo section for details.
