Jointpesa | Digital Escrow Kenya

Safe Escrow Payments

Take the risk out of every deal. Jointpesa put on hold the money until the buyer confirms delivery, so both sides are protected.

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Lipa Mdogo Mdogo

Buy or sell high-value items in installments. Every payment stays protected in escrow until delivery is confirmed.

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Fair Dispute Resolution

If something goes wrong, funds stay locked while our team reviews the evidence and makes a fair, final decision.

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Brokers Welcome

Closing deals for others? Jointpesa lets you broker transactions where both parties trust the money is held safely.

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Trusted for
ElectronicsVehiclesFreelance WorkLand & PropertyPhones & LaptopsOnline ShopsServices ElectronicsVehiclesFreelance WorkLand & PropertyPhones & LaptopsOnline ShopsServices

One Platform. Every Deal. Total Protection.

Jointpesa is a digital escrow service in Kenya that lets buyers, sellers and brokers complete transactions with confidence. We hold the payment securely and release it only when the deal conditions are met.

About Jointpesa

Built for Everyone Who Buys or Sells

From a single online purchase to a vehicle or plot of land, Jointpesa protects individuals, small businesses, freelancers and brokers across Kenya.

Who is it for

BuyersSellersBrokersFreelancersOnline TradersBusinesses

Why choose Jointpesa

Jointpesa brings payment protection, delivery confirmation and dispute handling into one simple app, so you can trade without worrying about fraud.

Secure Payments

Your money is held safely and is only released when the buyer confirms delivery.

No Scams

Both buyer and seller are protected from fraud. No pay-and-disappear, no deliver-and-not-get-paid.

Fast Payouts

As soon as delivery is confirmed, funds are released to the seller within minutes.

Installment Plans

Lipa Mdogo Mdogo lets buyers pay in parts while the funds stay protected in escrow.

Fair Dispute Handling

If a deal fails, funds stay locked while our team reviews evidence and decides fairly.

Jointpesa for buyers and sellers

From the first agreement to the final release of funds, Jointpesa gives both sides clear visibility and control over every transaction.

Get Started How escrow works
Funds held securely
Delivery confirmation
Fast release
Fair disputes
1Buyer or seller starts the transaction
2Buyer deposits funds into escrow
3Jointpesa holds the funds
4Seller delivers the goods or service
5Buyer confirms delivery
6Funds are released to the seller

Pay in parts, stay protected

Lipa Mdogo Mdogo lets buyers pay for phones, laptops, vehicles and other high-value items in installments, while every payment stays in escrow until delivery is confirmed.

Lipa Mdogo Mdogo Installment Plans

How disputes are resolved

If a problem comes up, funds stay locked until it is resolved fairly.

1. Initiate dispute

Buyer or seller reports an issue, such as item not received or not as described.

2. Submit evidence

Both sides share proof, tracking details and chat history within the review period.

3. Review and mediation

Our resolution team reviews everything and helps both sides reach an agreement.

4. Final decision

If no agreement is reached, funds are either refunded to the buyer or released to the seller.

What our customers say

Buyers and sellers across Kenya use Jointpesa to trade with peace of mind. Here is what they say about the experience.

The money was held until my phone arrived. I did not have to worry about being scammed.
D
David M.Buyer, Nairobi
I get paid as soon as my client approves the work. Freelancing is much less stressful now.
G
Grace K.Freelancer, Kisumu
I would not have bought a car online without escrow. The process was clear and trustworthy.
S
Samuel N.Buyer, Mombasa

Trusted by buyers and sellers across Kenya

Trade smart, trade safe. Download Our App

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Frequently Asked Questions

You pay into a secure account instead of paying the seller directly. The money is only released to the seller after you confirm that you received what you agreed on.
If the seller fails to deliver or the item is not as described, you can raise a dispute. Funds stay locked while our team reviews the case, and valid claims are refunded to you.
You can pay with M-Pesa or bank transfer through the app.
It is the installment option. The seller sets up a plan with a deposit and a payment schedule. You pay over time while the funds stay protected, and the seller delivers after the final payment.
Once the buyer has paid into escrow, the money is already secured. When the buyer confirms delivery, it is released to you.
Funds are released as soon as the buyer confirms delivery, and usually reach your account within minutes to a few hours depending on the payout method.
Yes. Create a Lipa Mdogo Mdogo plan with a deposit and a schedule. Payments are held in escrow until the plan is complete and delivery is confirmed.
Yes. Choose the brokering option in the app to arrange a transaction between a buyer and a seller.