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Lipa Mdogo Mdogo

Buy or sell phones, laptops, vehicles and other high-value items with flexible installments. Every payment stays protected until delivery is confirmed.

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How Lipa Mdogo Mdogo works

It works like a normal escrow deal, but the buyer pays over time instead of all at once.

Seller creates the plan

Set the item, total price, deposit and installment schedule after agreeing with the buyer.

Buyer accepts and signs

The buyer reviews the plan and accepts the agreement letter, terms and penalties schedule.

Pay the deposit and installments

The buyer pays through M-Pesa or bank transfer. Each payment is held securely.

Funds stay in custody

Jointpesa holds every payment. The seller cannot withdraw until delivery is confirmed.

Delivery after the final payment

Once all installments are paid, the seller delivers the goods or completes the service.

Confirm and release

The buyer confirms receipt and Jointpesa releases the held funds to the seller.

Why use it

For buyers

Spread the cost over time without losing protection. Pay in manageable installments while your money stays safe until you receive what you paid for.

For sellers

Reach more customers with flexible payment terms. Signed agreements, held funds and a penalty schedule reduce the risk of default.

Perfect for

PhonesLaptopsElectronicsVehiclesLandOther high-value items

Plan your installments

It is the Jointpesa installment feature. A seller creates a plan with a deposit and scheduled payments, and the buyer pays over time while the funds stay in escrow. After the last installment the seller delivers and the buyer confirms.

No. Funds are held by Jointpesa until the buyer confirms delivery.

The seller sets up the plan, and the buyer must accept the agreement letter, terms and penalties schedule before the plan begins.