Secure by default
Bank-grade protection
PayGuard holds your payment in escrow until delivery is confirmed. Simple, transparent, and secure, so buyers and sellers can transact with confidence.
Buying from someone online? Demand escrow before you pay →
Secure by default
Bank-grade protection
Zero trust
Verified & monitored
Built for Ghana
Local support
TechStore Ghana
Accra, Greater Accra
TechStore Ghana
Accra, Greater Accra
Sony WH-1000XM5 Headphones
GHS 1,450.00
In EscrowOrder 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.
Trusted by
A simple 4-step escrow flow for safer online buying and selling.
The buyer starts the transaction securely.
PayGuard keeps the money in escrow while the transaction is active.
The seller ships the product or completes the agreed service.
Funds are released after delivery or completion is confirmed.
PayGuard protects the payment flow from the moment the buyer pays until delivery is confirmed and funds are released.
The buyer starts the transaction securely.
PayGuard keeps the money in escrow while the transaction is active.
The seller ships the product or completes the agreed service.
Funds are released after delivery or completion is confirmed.
Every step protected. Every time.
From verification to delivery, PayGuard stays in the middle of the transaction so both sides can move with confidence.
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.
Only pay sellers whose codes are verified here.
PayGuard protects you with verification, escrow, and secure transaction records.
Browse products from sellers using PayGuard and check out with payment protection.
GH₵15,500.00
DigiHub Kumasi
Kumasi
GH₵7,200.00
Home Essentials
Accra
GH₵850.00
Kente Kingdom
Bonwire, Ashanti
GH₵6,800.00
iWorld Ghana
Accra
Pay with confidence.
Your payment is held securely and 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.
Seller dashboard preview
Payments, orders, and growth tools
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 protects transactions from payment to delivery with verification, escrow custody, and clear proof trails.
Buyer funds stay protected in escrow until the transaction conditions are met.
Buyers can confirm a payment code is genuine before sending money.
Payment is released only after delivery is confirmed or the agreed milestone is met.
Proof trails and transaction history help resolve issues fairly.
You don't have to wait for a seller to offer protection. Demand it yourself.
Learn how PayGuard protects transactions
Escrow custody, verification, delivery proof, and dispute support all work together in one flow.
Get help with transactions, verification, disputes, and seller tools from a team that understands online commerce.
Support that understands commerce
Transactions · disputes · verification
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.
Your peace of mind is our priority, from payment confirmation to delivery support and dispute follow-up.
Trusted support, clear updates, and help when you need it.
See how buyers, sellers, and service providers use PayGuard for safer transactions.
Kofi
Buyer“I almost got scammed before I found PayGuard. Now I only pay when I'm sure my item is safe.”
Accra, Ghana
Ama
Seller“PayGuard holds the payment until I deliver. I get paid, and my buyers trust me more.”
Kumasi, Ghana
Kwame
Freelancer“I secure client payments before starting work. No more chasing or payment worries.”
Accra, Ghana
Abena
Merchant“Verification codes and held payments give my customers confidence. My sales and reviews have grown.”
Cape Coast, Ghana
Yaw
Service Provider“The invoice and payment flow keeps everything professional. I get paid on time, every time.”
Takoradi, Ghana
Nana
Buyer“I used PayGuard for a bulk electronics order. The escrow made sure I only released funds after I received everything in perfect condition.”
Tema, Ghana
Adjoa
Merchant“My customers stopped hesitating at checkout. The PayGuard badge alone builds trust before I say a word.”
Kumasi, Ghana
Kweku
Freelancer“Before PayGuard I lost two projects to payment disputes. Now every client pays into escrow and we both have peace of mind.”
Accra, Ghana
Akosua
Seller“The delivery confirmation step is brilliant. My buyers feel protected and I get paid the moment they confirm.”
Ho, Ghana
Kofi
Buyer“I almost got scammed before I found PayGuard. Now I only pay when I'm sure my item is safe.”
Accra, Ghana
Ama
Seller“PayGuard holds the payment until I deliver. I get paid, and my buyers trust me more.”
Kumasi, Ghana
Kwame
Freelancer“I secure client payments before starting work. No more chasing or payment worries.”
Accra, Ghana
Abena
Merchant“Verification codes and held payments give my customers confidence. My sales and reviews have grown.”
Cape Coast, Ghana
Yaw
Service Provider“The invoice and payment flow keeps everything professional. I get paid on time, every time.”
Takoradi, Ghana
Nana
Buyer“I used PayGuard for a bulk electronics order. The escrow made sure I only released funds after I received everything in perfect condition.”
Tema, Ghana
Adjoa
Merchant“My customers stopped hesitating at checkout. The PayGuard badge alone builds trust before I say a word.”
Kumasi, Ghana
Kweku
Freelancer“Before PayGuard I lost two projects to payment disputes. Now every client pays into escrow and we both have peace of mind.”
Accra, Ghana
Akosua
Seller“The delivery confirmation step is brilliant. My buyers feel protected and I get paid the moment they confirm.”
Ho, Ghana
Kofi
Buyer“I almost got scammed before I found PayGuard. Now I only pay when I'm sure my item is safe.”
Accra, Ghana
Ama
Seller“PayGuard holds the payment until I deliver. I get paid, and my buyers trust me more.”
Kumasi, Ghana
Kwame
Freelancer“I secure client payments before starting work. No more chasing or payment worries.”
Accra, Ghana
Abena
Merchant“Verification codes and held payments give my customers confidence. My sales and reviews have grown.”
Cape Coast, Ghana
Yaw
Service Provider“The invoice and payment flow keeps everything professional. I get paid on time, every time.”
Takoradi, Ghana
Nana
Buyer“I used PayGuard for a bulk electronics order. The escrow made sure I only released funds after I received everything in perfect condition.”
Tema, Ghana
Adjoa
Merchant“My customers stopped hesitating at checkout. The PayGuard badge alone builds trust before I say a word.”
Kumasi, Ghana
Kweku
Freelancer“Before PayGuard I lost two projects to payment disputes. Now every client pays into escrow and we both have peace of mind.”
Accra, Ghana
Akosua
Seller“The delivery confirmation step is brilliant. My buyers feel protected and I get paid the moment they confirm.”
Ho, Ghana
Kofi
Buyer“I almost got scammed before I found PayGuard. Now I only pay when I'm sure my item is safe.”
Accra, Ghana
Ama
Seller“PayGuard holds the payment until I deliver. I get paid, and my buyers trust me more.”
Kumasi, Ghana
Kwame
Freelancer“I secure client payments before starting work. No more chasing or payment worries.”
Accra, Ghana
Abena
Merchant“Verification codes and held payments give my customers confidence. My sales and reviews have grown.”
Cape Coast, Ghana
Yaw
Service Provider“The invoice and payment flow keeps everything professional. I get paid on time, every time.”
Takoradi, Ghana
Nana
Buyer“I used PayGuard for a bulk electronics order. The escrow made sure I only released funds after I received everything in perfect condition.”
Tema, Ghana
Adjoa
Merchant“My customers stopped hesitating at checkout. The PayGuard badge alone builds trust before I say a word.”
Kumasi, Ghana
Kweku
Freelancer“Before PayGuard I lost two projects to payment disputes. Now every client pays into escrow and we both have peace of mind.”
Accra, Ghana
Akosua
Seller“The delivery confirmation step is brilliant. My buyers feel protected and I get paid the moment they confirm.”
Ho, Ghana
Recorded
Verified transactions
Reviewable proof trails.
Protected
Protected payments
Funds held until completion.
Traceable
Successful deliveries
Delivery linked to payout flow.
Real people. Real protection. Real results.
Join buyers, sellers, freelancers, and service providers using PayGuard to transact more safely.
PayGuard is an escrow-protected commerce platform that holds funds until delivery is confirmed or the agreed process is completed.
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
