Protected payment lifecycle
Create a protected payment with your own reference, then fund, release or refund it. Each instruction is applied exactly once, even if a request is retried.
The system behind PayGuard's own protected payments, designed so marketplaces and merchants can offer the same protection without building escrow, evidence handling and payment controls themselves.
Escrow is easy to describe and hard to run safely. These are the pieces a platform would otherwise have to design, secure and operate itself.
Create a protected payment with your own reference, then fund, release or refund it. Each instruction is applied exactly once, even if a request is retried.
Every change in a payment is sent to your server as a signed event you can verify before acting on it, and retried if your server is briefly unavailable.
Each platform has its own credentials and its own data. One platform can never see or act on another platform's payments.
A double-entry ledger and an audit record sit behind every payment, so each outcome can be traced from instruction to result.
A developer console for keys and test data, and an operations console for reviewing exceptions and evidence.
Money movement sits behind a provider-neutral boundary, designed so a licensed financial partner can be connected without changing how platforms integrate.
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.
Your platform
Your marketplace, store or app, where buyers and sellers meet.
PayGuard
Commerce rules, delivery evidence, disputes, and the release or refund decision.
Payment orchestration
Payment instructions, signed events, ledger and audit record.
Licensed financial partner
Will hold customer funds and move the money.
A clear picture of what is proven today, and what happens before partners go live.
Tell us what you sell, how your buyers and sellers meet, and where trust breaks down. We will tell you honestly whether PayGuard fits.
Talk to us