Pay with confidence.
A simple escrow, built into every Klovo payment link.
Four steps between a buyer paying and a seller getting paid — money only ever moves forward on a real confirmation, never on a timer.
You pay into a protected Klovo account
Instead of paying the seller directly, your payment goes into a dedicated Klovo account set up for this purchase.
Your money is held safely
The seller can't touch it yet. It sits in the protected account while your order is prepared and shipped or delivered.
You confirm you received your item
Once your order arrives and matches what you paid for, you confirm receipt — a single, deliberate tap, never automatic.
Only then is the seller paid
Confirming releases the funds to the seller. If something's wrong, you open a dispute instead and our team steps in before anyone gets paid.
Your money doesn't move until you say so.
Buyer Protection isn't just a promise — it's how the money is actually held while a deal is open.
Held in a dedicated account
A buyer's payment sits in a dedicated account for that purchase, separate from the seller's own operating funds, for as long as the deal is open.
Released only on your confirmation
The seller is paid only after the buyer actively confirms delivery — Klovo never releases funds on a timer or on the seller's say-so alone.
Disputes reviewed by real people
If a buyer opens a dispute, a member of the Klovo team reviews the order and evidence before any money moves either way.
Encrypted, licensed-partner infrastructure
Buyer Protection runs on the same encrypted infrastructure and CBN-licensed partner-bank rails as every other Klovo account — Klovo is a fintech, not a bank.
Buyer Protection, plainly explained.
What is escrow?
Escrow just means a trusted third party holds the money in the middle of a deal. With Klovo Buyer Protection, that's Klovo: your payment sits in a dedicated account instead of going straight to the seller, until you confirm you got what you paid for.
What if the seller doesn't deliver?
You simply don't confirm. If the order doesn't show up, doesn't match what you paid for, or something else goes wrong, you open a dispute instead and our team reviews it before any money is released.
Do I need a full Klovo account?
No. As a buyer, you only need an email address and a PIN to track your purchase and confirm or dispute it — you don't need to open a business account to use Buyer Protection.
Is my money safe?
Yes. It's held in a dedicated account, not the seller's, from the moment you pay until the moment you confirm — the seller has no access to it in between.
Klovo is a financial technology company, not a bank. Banking services are provided by partner banks duly licensed by the CBN.
Pay knowing your money is protected.
Open a Buyer Protection deal in minutes — no full sign-up needed, just an email address and a PIN.