The trust layer for every kind of commerce.
Whether you're buying, selling, or building, MiddlePay holds the money safely in the middle, so the handshake never breaks.
Trust should never be the reason a transaction fails.
We hold funds securely and release them only when both sides are satisfied, so the four ways deals fall apart can't happen.
The risk
Payment scams
Never send money upfront to someone you can't verify.
Funds held in escrow
The risk
Fake vendors
Deal with confidence. Sellers are verified before you pay.
Identity checked
The risk
Ghost deliveries
You pay only once delivery is confirmed on both ends.
Release on proof
The risk
Unfinished projects
Fund each milestone and release it as the work is done.
Milestone payouts
Three steps.
Zero guesswork.
A simple, transparent flow that protects both sides of every transaction.
Find Products or Services You Trust
Browse verified vendors and artisans on MiddlePay's Explore page, or connect with a seller or service provider through a secure payment link. Once you're ready, place your order or book the service with confidence.
MiddlePay holds the funds
Instead of sending money directly to the vendor or artisan, your payment is held securely by MiddlePay. The funds remain protected while the product is delivered or the service is being completed.
Funds release on confirmation
After receiving your product or confirming that the service has been completed as agreed, the payment is released to the vendor or artisan. If there's an issue, MiddlePay helps ensure a fair resolution before funds are sent.
Two apps,
One ecosystem
Built for both sides of the transaction.
Customer App
Discover verified vendors worldwide whose trust scores are backed by real MiddlePay transaction history. Every order is protected by default.
Business App
Confirm secured payments before you deliver, manage milestone projects & inventories with confidence, and grow your business through MiddlePay.
Every tool you need to trade with absolute confidence.
Escrow Vault
Bank-grade vault holds funds until satisfaction.
Milestone Payments
Release funds in stages, perfect for artisans.
Buyer Protection
Refunds guaranteed if delivery fails.
BVN Verification
Real humans, real identities, verified at signup.
Dispute Resolution
Human team mediates disputes in under 24 hrs.
Marketplace
Shop verified vendors directly in the app.
Vendor Invites
Bring your Instagram vendor on board.
Instant Notifications
Live updates on every transaction step.
Real transactions. Real trust.
MiddlePay gave me confidence to pay for a custom order. I only released the payment after confirming everything was exactly as promised. It made the entire experience stress-free.
Chinwe O.
Buyer - Lagos
Start your next transaction with full protection.
Join thousands of Nigerians using MiddlePay to send, receive and protect every payment.
₦10M+
Protected
500+
Transactions
98.4%
Disputes resolved
2.1 hrs
Avg release