Paid on delivery
After you confirm
Pay sellers you have never met, with protection. Your payment is only released after you confirm delivery, and refunded if a dispute is upheld.
Paid on delivery
After you confirm
Verify first
Check any code
Built for Ghana
Local support
Sample Tech Store
Accra, Greater Accra
Sample Tech Store
Accra, Greater Accra
Sony WH-1000XM5 Headphones
GHS 1,450.00
Order ID
PG-2026-10452
Buyer
Ama Adjei
Payment method
MTN MoMoPaid
Confirmed
Escrow
Protected
Shipped
In transit
Released
Confirmed
Your payment is secure.
We’ll release funds to the seller once you confirm delivery.
Example orders
PayGuard protects the payment flow from the moment the buyer pays until delivery is confirmed and funds are released.
New escrow payment
Your payment is secure and protected.
MacBook Pro 14″ M3 Pro
Seller · Sample Gadget Hub
GHS 12,800.00
Choose payment method
You'll only be charged once the payment is successful.
Every step protected. Every time.
From verification to delivery, PayGuard stays in the middle of the transaction so both sides can move with confidence.
Not sure if a seller will deliver? Send them a PayGuard escrow request. They accept, you fund it, and your money is protected until you receive your item.
PayGuard supports buyers, sellers, freelancers, and service providers who need a safer way to transact online.
Pay only when you're satisfied.
Get paid after confirmed delivery.
Protect project payments and approvals.
Secure deposits before work begins.
One platform for products, services, and safer online payments.
Escrow protection, verified transactions, and peace of mind for every deal.
Every PayGuard payment code comes with a verification code buyers can check before they pay.
Every PayGuard payment code comes with a verification code buyers can check before they pay.
Type the code printed on the seller's payment card or shared link.
PayGuard confirms whether the code is genuine and active.
Only pay sellers whose payment codes have been verified.
Enter the verification code printed on the seller's payment card or shared link to confirm it is genuine.
Only pay sellers whose codes are verified here.
Sample listings showing how protected checkout looks on PayGuard.
GH₵ 15,500.00
Sample Gadget Hub
Kumasi
GH₵ 7,200.00
Sample Home Store
Accra
GH₵ 850.00
Sample Kente Weaver
Bonwire, Ashanti
GH₵ 6,800.00
Sample Tablet Store
Accra
Pay with confidence. Your payment stays protected and is only released to the seller once you confirm delivery.
Create payment links, QR codes, invoices, storefronts, and track your sales with PayGuard.
Create secure payment links and share them in seconds.
Accept payments with branded QR codes buyers can verify.
Send professional invoices and receive secure payments.
Showcase products or services in your PayGuard shop.
Track payments, orders, and customer activity clearly.
Monitor fulfilment and confirm delivery steps.
Use seller tools built for safer online transactions.
When you send money straight to a seller you found on WhatsApp or Instagram, everything after that depends on trusting them. PayGuard puts clear rules, a record and a fair decision around the payment.
Every protected payment follows the same controls: a clear agreement, a record of every step, and a release or refund decided on the evidence.
The agreement, the payment, the delivery evidence and the release or refund decision are all written to an audit trail both sides can rely on.
Delivery codes, dispatch proof and a full decision record mean disputes are settled on what actually happened.
PayGuard is launching with a licensed financial partner that will hold customer funds. PayGuard records the agreement, the delivery evidence and the release or refund decision. PayGuard is not a bank.
The system behind PayGuard is built so marketplaces and merchants can offer the same protection, with isolated access for each platform.
Get help with transactions, verification, disputes, and seller tools from a team that understands online commerce.
Support that understands commerce
Transactions · disputes · verification
We're here to make your experience safe and worry-free.
Get help with transactions, verification, disputes, and seller tools from a team that understands online commerce.
Support that understands commerce
Transactions · disputes · verification
Chat with our team in real time whenever you need help.
Send us an email and we'll respond as quickly as we can.
Speak to a support specialist during business hours.
Find answers to common questions and practical guides.
We're here to make your experience safe and worry-free.
Create a free account now, and be ready when protected payments open.
Already have an account? Sign in
PayGuard is a protected-payments platform for online commerce in Ghana. The seller is only paid after delivery is confirmed or the agreed milestone is met, and the buyer is refunded if a dispute is upheld.
PayGuard is launching with a licensed financial partner that will hold customer funds. PayGuard records the agreement, the delivery evidence and the release or refund decision. PayGuard is not a bank.
PayGuard is in early access. You can create a free account and explore the platform today. Live protected payments open once our licensed financial partner is in place.
The seller gets paid only after the buyer confirms delivery, or after the transaction is completed under the agreed workflow.
Funds stay protected while PayGuard reviews the dispute trail, status history, and any evidence provided by both sides.
Visit the verify page, enter the verification code shown with the payment card or link, and confirm it is genuine before paying.
Creating an account and exploring PayGuard is free. Transaction charges depend on the payment or seller flow being used.
MTN MoMo
