Agree on the deal
Align on what is sold, the price, and delivery terms. The seller shares a Panmile payment link — no bank details in the chat.
Trust Gap Infrastructure · Built for Africa
Secure every transaction from start to finish
No trust? No problem. With Panmile escrow, you can buy and sell safely — even with someone you have never met. Money stays locked until delivery is confirmed.
Trusted infrastructure · Squad · Terminal Africa · Dojah KYC
Live escrow dealFunds secured
Deal value
₦485,000
iPhone 15 Pro · Lagos → Abuja
Agreed
Paid in
Shipped
Released
Buyer protected
Funds release only after you confirm delivery
₦>
Escrow volume processed
Growing daily
100%
Funds held until release
Bank-grade custody
6h
Time-Auto-release window
After Logistic confirmed delivery
1.5%
Escrow fee
Transparent pricing
Integrated with payment & logistics partners you can trust
Squad (GTCO)Terminal AfricaDojahSupabase
How Panmile works
Money moves only when the story matches the agreement
Escrow replaces blind trust with a clear sequence: agree, pay in, deliver, confirm, settle.
Secure payment in escrow
The buyer pays into Panmile. Funds are held in escrow until delivery is satisfied — not in the seller's pocket upfront.
Seller delivers as agreed
The seller ships the item or completes the service. Integrated logistics tracking via Terminal Africa keeps everyone updated.
Buyer confirms satisfaction
The buyer verifies delivery and confirms — or raises a dispute if something is wrong. You stay in control until you are satisfied.
Panmile releases the funds
Funds settle to the seller. The deal closes with a clear record of what happened and when — no stalled capital.
Core capabilities
Built for safe, seamless transactions
Panmile protects your money, connects logistics, and resolves issues quickly — so you can trade stress-free.
Escrow payment protection
Funds are held securely until the agreement is fulfilled. Buyers never pay and pray; sellers deliver with proof of payment.
Biometric KYC verification
Every user verifies identity via Dojah — BVN matched with liveness checks so you know who you are dealing with.
Integrated logistics
Book and track deliveries through Terminal Africa. Payout timers align with confirmed delivery milestones.
Fair dispute resolution
If something goes wrong, raise a dispute before funds release. Our team reviews evidence and resolves fairly.
Seller storefront
Create a shareable store link, list products, and accept guest checkout — professional selling without building a website.
Mobile-first experience
Create, fund, track, and complete deals from your phone. Available on web at pay.panmile.com.ng and native apps.
What can you use Panmile for?
From everyday purchases to high-value deals — buy, sell, and pay with total confidence.
📦
Physical goods
- Phones, laptops & gadgets
- Fashion & beauty products
- Cars, bikes & auto parts
- Furniture & home appliances
💻
Digital products
- Software & subscriptions
- E-books & online courses
- Gaming licenses & assets
- Social media accounts
🤝
Services
- Freelance & creative work
- Home repairs & grooming
- Marketing & tech services
- Virtual assistant tasks
Trust goes both ways
Protection should be fair, simple, and affordable
When shopping or selling online in Nigeria, you deserve both simplicity and security. Panmile creates the conditions for secure peer-to-peer commerce.
Buy with confidence
Your money stays in escrow until you receive and confirm the item or service. No more sending cash to strangers.
Sell with confidence
Get proof that funds are secured before you ship. No fake alerts, no chargeback surprises after delivery.
Verified users only
BVN-backed identity verification through Dojah. Know who is on the other side of every deal.
Transparent fees
See escrow fees upfront before you commit. Fair protection for both buyer and seller.
Testimonials
Real stories from real users
“I bought a phone from someone on Instagram. Normally I'd be scared to send money first — with Panmile I confirmed it worked before the seller got paid. No stress.”
“Fake transfer alerts almost ruined my wig business. Now I send a Panmile link — once it's funded, I deliver. It made me look way more professional.”
“As a freelancer I ask every new client to pay via escrow. No more 'I'll pay you later' stories. I deliver, I get paid. Simple.”
Help center
Frequently asked questions
Straightforward answers on escrow, security, fees, and how Panmile keeps your deals protected.
Yes. Panmile holds funds in escrow via licensed payment partners (Squad/GTCO) until both parties fulfil the agreement. Identity is verified through Dojah BVN checks.
Start your safe transaction today
Join buyers and sellers across Nigeria who trade with confidence. Create a deal in minutes.
Available on web · iOS & Android coming soon