This is a mobile app which can be downloaded here
for free. We encourage both Buyers and Sellers to use this great app for secure transactions. This is how it works:
1. A buyer identifies an item or service he/she desires.
2. Buyer engages seller on phone or by writing to him/her.
3. Once both buyer and seller are in agreement, buyer initiates a transaction by sending the agreed amount to the M-pesa escrow account.
4. The seller is automatically contacted and informed of the payment, thus authorizing him/her to send the goods or provide the agreed service.
5. Once the buyer receives the goods or service, he/she authorizes release of the funds from the M-pesa escrow to the seller's M-pesa account.
All are happy. Disputes are arbitrated by the M-pesa Escrow admin and the verdict is dictated by documented or recorded audio evidences.