The payer deposits funds into a safeguarded arrangement and release follows the conditions both parties agreed, with proof, deadlines, disputes and a complete audit trail.
Buyer or seller proposes the amount, purpose, deadline and release conditions. Both parties accept before any money moves.
The buyer funds the deal by mobile money or card. The seller sees confirmed funding before starting work or shipping.
The seller delivers and uploads proof in the deal room. The buyer inspects and accepts or opens a dispute.
On confirmation the funds release to the seller. Agreed cancellations refund the buyer; disputes pause release for review.
Every type runs on the same protected deal flow today; specialised templates are coming.
Escrow is not simply another wallet feature. Holding or controlling funds pending conditions raises payment-services, safeguarding, trust and custody questions, so the legal structure, account ownership, fund segregation, release authority and dispute process are subject to agreement with the Bank of Zambia and the relevant regulated institution.
Escrow Services shares its payment infrastructure, ledger, identity, risk engine and reporting with the rest of Luheto Pay, so your money and history move with you.
One processing and routing engine connected to mobile money, banks and card partners.
One record of every kwacha that moves, so wallet, merchant and escrow balances always agree.
One account, one Pay ID and one verification across personal, business and escrow use.
Shared transaction monitoring, limits, risk scoring and alerts protect every payment flow.
Statements, settlement files, audit trails and dashboards drawn from the same records.