Escrow that protects both sides — and builds your credit.
Buyer pays OwnAm, not the merchant. Merchant ships knowing the money is already secured. Funds are released only when delivery is confirmed — and every completed transaction feeds your alternative credit profile.
For buyers
Pay with confidence — your money moves only when you say so.
Find the merchant
Every approved OwnAm merchant has a Quest ID. Enter it to start a transaction with them — no Quest ID, no deal.
Create the transaction
Describe the item, agree the amount and delivery terms. The merchant sees exactly what you both agreed to.
Fund the escrow
Once the merchant accepts, you pay. Your money goes to OwnAm — NOT to the merchant. It is held safely until you confirm delivery.
Track delivery
The merchant dispatches with courier and tracking details. You can follow every step on the transaction timeline.
Confirm & release
Item arrived as agreed? Confirm delivery and the funds are released to the merchant. Something wrong? Raise a dispute instead.
You can cancel any transaction before funding it, and raise a dispute any time between funding and confirming delivery.
For merchants
Ship knowing the money is already secured.
Submit your business name, phone, and state. A CAC/RC number helps but is optional — informal sellers are welcome.
The OwnAm team reviews your application (KYC). You'll see your status on the Selling tab; if rejected you can re-apply with corrections.
Buyers start transactions with you using your Quest ID. Put it in your store bio, WhatsApp status, or invoices.
Review each order's amount and terms, accept it, and once the buyer funds the escrow, ship with courier + tracking details.
The moment the buyer confirms delivery, the held funds are released to you. No chasing payment after you've shipped.
Built so neither side has to trust blindly.
Safe Pay sits between buyer and merchant so the deal, the money, and the delivery are all on record — and completing deals honestly is rewarded.
Money held in the middle
The buyer's payment sits with OwnAm — the merchant can't take the money and vanish, and the buyer can't take the goods and refuse to pay.
Dispute protection
Either side can raise a dispute after funding. An OwnAm admin reviews the evidence and resolves it — releasing to the merchant or refunding the buyer.
Every step on record
Each transaction keeps a full event timeline — who did what, when. No he-said-she-said.
Builds your credit profile
Completed transactions earn points on both sides that feed your OwnAm alternative credit profile — trading safely today strengthens your mortgage journey tomorrow.
Common questions
When does money actually leave my account?
Only after the merchant has accepted the transaction and you choose to fund it. Before that, creating a transaction costs nothing and can be cancelled.
What if the item never arrives, or isn't what we agreed?
Don't confirm delivery — raise a dispute from the transaction page. The funds stay held while an OwnAm admin reviews and resolves it (release or refund).
Can I be both a buyer and a merchant?
Yes. Every account can buy immediately; to sell, apply once from the Selling tab and get approved.
How long does merchant approval take?
Applications go into the admin review queue and are typically reviewed within a few business days. If rejected, you'll see the reason and can re-apply.
What does Safe Pay cost?
Buyer protection is 100% free. Sellers pay a transparent 1.5% platform commission automatically deducted from the settlement payout upon successful delivery completion.
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