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Trusted by Buyers and Sellers across all 36 states in Nigeria
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Lokpay - The secure way to Pay vendors online

Lokpay - The secure way to Pay vendors online

Buying from WhatsApp, Instagram, TikTok, Jiji, or Facebook?

Paying vendors directly is how buyers get scammed, blocked & ignored — and sellers lose money to fake Pay on Delivery orders.

LokPay holds the money until delivery is confirmed and sellers never lose delivery costs.

No delivery? You get refunded. No scams. No stories. No excuses.

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For Buyers

Pay safely without trusting strangers
Money is released only after delivery
Guaranteed refund if the seller fails
No ghosting. No excuses.
Works directly inside WhatsApp & social media
Create an account to track orders, payments & refunds Create Free Account

For Sellers

Instantly build trust with new buyers
Only serious buyers pay through your payment link
Stop paying delivery costs for buyers who never show up
Delivery cost is always covered despite cancellation
No fake alerts or unserious orders
Get paid once delivery is confirmed
Create a Payment Link

Buyers & Sellers already closing deals safely with LokPay

What our Buyers & Sellers are Saying

Pay-on-delivery used to make me anxious— half my buyers would ghost. With LokPay, I only deal with serious buyers. I get paid for delivery once delivered, and my customers trust me more.

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Olumide Adeyemi

Small Business owner, Lagos

I used to chase buyers who never showed up after I dispatched. Now I only accept serious buyers through LokPay. Payments are verified, and I get the delivery fee once I ship. Business feels safe again.

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Chinyere Emmanuel

Skincare Brand Owner

I once sent ₦50k to a seller and they vanished. Now I always ask for their LokPay paymentlink. I pay, confirm my product, and if it’s wrong, I get my money back. I feel safe again shopping online.

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Tolu Alade

Buyer, Abuja

Before using LokPay, I lost money buying sneakers from a new vendor. Now I check their reviews on lokpay, pay through their LokPay paymentlink, and I know I’m protected. No more praying for a legit seller. – the app protects both of us. I can now buy from anyone anywhere and people can now buy from me.

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Emeka Ochor

Buyer, Port Harcourt

I lost so much money to fake buyers and returns. LokPay changed everything. I only ship when payment is confirmed, and the buyer can’t scam me. Delivery fee is always covered.

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Sarah Ikenna

Small Business Owner, Lagos

Before LokPay, selling online felt risky. Now I just send my Lokpay payment link, ship the item, and the money lands in my account safely once buyer confirms. No more chasing buyers, no stress.

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Kunle Adebayo

Fashion Vendor, Abuja

I used to avoid buying from new Instagram vendors. Now I just ask for their LokPay paymentlink. The app makes sure the seller delivers, and I can review them after

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Kalu Nwosu

Buyer, Port Harcourt

Before LokPay, shopping online felt like gambling — you never knew what would arrive. Now, every order is verified against the exact photo and details the seller posted. If it’s not what I paid for, I simply reject it and get my money back. Zero stress.

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Amaka Ubani

Buyer, Lagos

I would reject half my orders before because buyers were unserious. With LokPay, serious buyers pay me and I ship with confidence knowing I won’t get played.

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Tunde Afolabi

Electronics Vendor, Lagos

I sell occasionally and used to avoid pay-on-delivery. Now, buyers pay through LokPay, I ship, and I get my delivery fee. I also trust it when buying from strangers safe, simple, and fast.

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Adamma Nnaji

Buyer & Seller, Abuja

Before I buy anything online now, the first thing I ask is: Send me your paymentlink. If they don’t have it, I don’t even bother. With LokPay I know my money is safe, and I won’t get scammed. The seller only gets paid after I confirm my item. Zero fear, zero stress.

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Charity Chijoke

Online Shopper, Abuja

I never send money without a LokPay payment link again. Because I know I’ll get my product or my money back. I also read reviews before buying—no more random scammers or praying that a vendor is legit

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Bayo Aderemi

Frequent Buyer, Lagos

Join active buyers & sellers closing deals every day

Get started now - its free !

🇳🇬 Why Nigerians Trust LokPay

Because we’ve all been scammed, ghosted, or lost money once — LokPay ends that story for good. Lokpay shields you against fake vendors, and online marketplace drama.

Don’t buy if they don’t have a LokPay Payment Link.

How It Works

A simple, secure flow that keeps buyers and sellers safe — no fake alerts, no scams.

1

Sign Up as a seller & Create Your Secure payment Link

Create an account and click on create paylink - Enter your product details, we generate a secure payment link where you will begin accepting payments for your product.
2

Copy & Share Your Link Anywhere

Buyers on WhatsApp, Instagram, TikTok, Facebook and Jiji can pay safely through your link. Funds are held securely untill delivery.
3

Deliver, Buyer Confirms. You Get Paid

Once delivered the buyer confirms delivery from their dashboard, the delivery agent verifies the receipt. Payment is released instantly — no fake alerts, no disappearing buyers.
Create Your first payment link Now ⟶

Trusted, Secure, and Fully Compliant

Bank-level Security
PCI DSS Compliant
Trusted Escrow Provider
Anti-Fraud & Anti-Scam Protection
End-to-End Encryption
Regulated & Compliant Payments

Join active buyers and sellers closing verified deals every week — zero scams, zero excuses.

❓ Frequently Asked Questions

Can’t find your answer?
Talk to our Support

How do I know my money is safe from scams?

Your payment is securely held and only released to the seller after you confirm successful delivery. Sellers never receive funds until you approve, keeping your money fully protected.

You may cancel/reject the item at the point of delivery. If you do, the product price will be refunded immediately. Delivery and service fees are non-refundable as they cover logistics and processing costs.

Refunds are processed and settled instantly but may take longer to arrive depending on your bank network.

We verify payments before delivery. You only release the item when payment is confirmed, eliminating fake alerts.

If delivery is confirmed but the buyer fails to respond, LokPay automatically releases your payment after verifying successful delivery.

Yes. Seller accounts may be temporarily restricted after repeated failed deliveries. Buyers remain protected at all times. Any restriction is communicated clearly and lifted after verification.

We support bank transfers, debit cards, and mobile payments. All transactions are fully protected by LokPay.

Yes, you can cancel order if the delivery time expires without successful delivery. The product price will be fully refunded, while delivery and service fees are non-refundable as they cover logistics and processing costs.

The delivery fee is credited to the seller. This ensures sellers are fairly compensated for delivery costs, while the buyer’s product price remains fully protected.

🎭 How Much Have Scammers Taken From You?

Answer 3 quick questions to see what LokPay would have saved you.

Q1 How many fake alerts or scam deals have you faced?
Q2 On average, how much did you lose per deal?
₦
Q3 What was your biggest single loss?
₦
ZERO LOSS

LokPay Would Have Saved You:

₦0

With LokPay 100% of this money would still be in your account.

🚀 Create Your First Safe Deal Now