FOR NIGERIAN SOCIAL COMMERCE
A safer way to buy and sell online.
Paddy secures payment before the item ships. Sellers know the money's already there, and buyers know it's only released once they confirm it arrived.
Zero app downloads: simple, instant protection inside WhatsApp.
Choose your side
Protection built for both sides of the deal.
Sell to people who don't know you yet, without the risk.
Get paid without chasing anyone down.Start on WhatsApp →The problem
The problem isn't finding a buyer. It's trusting one.
You agreed on the price. Now comes the awkward part: who moves first?
Buyer
“Why should I send ₦25,000 to someone I've never met?”
TRUST?
Seller
“Why should I ship my item before I know I'm getting paid?”
Paddy sits between those two fears.
Straight answers
Before you trust us with a sale.
Is Paddy an escrow service?
Mechanically, yes, but Paddy is built for the stranger problem, not as a traditional escrow service.
Is Paddy legit?
Paddy is a real, early-stage startup, but it doesn't hold your money itself; a licensed bank does.
HOW PADDY WORKS
A safer transaction in 6 steps.
01 / 06
Agree on the deal
Agree on the item, price, and delivery details, like you normally would.
Discussing the deal
BUYER₦25,000Payment
PADDYNO TRANSACTIONYET
SELLER₦25,000Discussing details
For buyers
Buy from anyone online without second-guessing.
✓Pay into a protected balance: Funds remain safely locked until your package is delivered.
✓Real-time status updates: Track order dispatch and payment progress directly on WhatsApp.
✓Full control over release: Payment only goes to the seller when you confirm everything is right.
For sellers
Close deals instantly with verified upfront deposits.
✓Upfront commitment: Know the buyer has funded the order before you prepare items.
✓Discretion-free shipping: Dispatch packages knowing payment is already secured.
✓Automated payouts: Get paid straight to your bank account as soon as delivery is confirmed.
Trade with complete peace of mind: no trust required.
Paddy sits between both sides, so the transaction can carry the trust neither side has to provide alone.
When something goes wrong
Something went wrong? There's a process for that.
Transactions don't become buyer vs seller the moment something goes wrong.
1-Tap Pause
Instant Protection
Flag an order in WhatsApp to freeze payout instantly. Money is held securely while we check what happened.
Human Review
Neutral Decisions
A dedicated Paddy reviewer inspects receipts, dispatch logs, and photos within 24 hours.
24-Hour Outcome
Fast Refunds & Payouts
Disputes are resolved within 24-48 hours: full refund to buyer if unfulfilled, or payout to seller if verified.
Why trust Paddy?
Built for safe trade between strangers.
Clear rules, zero blind trust, and proof-based resolution.
01Zero Direct Account Transfers: Funds sit safely and securely until delivery is verified.
02Clear Proof Requirements: Receipts and delivery slips anchor every order update and decision.
03Instant Action on Flagged Orders: Flagging an order freezes payout instantly while team review happens.
04Balanced Protection: Protects buyers from non-delivery and sellers from fake payment alerts.
Simple pricing
Lowest fee in the market. Simple pricing.
Paddy charges the seller only 1% per transaction, capped at ₦2,000, no matter how big the sale. Buyers pay nothing extra.
SELLER FEE1%of the transaction value
MAXIMUM FEE₦2,000per transaction
EXAMPLES
₦50,000 sale→₦500 fee
₦200,000 sale→₦2,000 fee
₦500,000 sale→₦2,000 fee
Frequently asked
Questions people ask before they trust it.
Trust is built by making the rules clear. Here are the answers to the questions that matter before a transaction begins.
When does the seller get paid?+
The seller doesn't get paid upfront. Your payment is secured while the transaction is completed, then released to the seller.
Where does the money stay while it's protected?+
Customer funds are held in custody by Anchor's CBN-licensed partner bank. Anchor provides the banking infrastructure Paddy's payment flow runs on, and Paddy operates the technology and rules around payment, confirmation, review window and disputes.
What happens if the seller doesn't deliver?+
The payment stays protected. If delivery doesn't happen, the transaction moves into Paddy's resolution process to sort it out.
What if the item isn't what I ordered?+
The buyer has a confirmation step. If something is wrong, the transaction can follow the resolution process instead of automatically paying the seller.
Can I use Paddy for a deal I found on WhatsApp or Instagram?+
Yes. Paddy works with deals from anywhere the seller creates the transaction and shares the link, and the buyer pays through it.
What if the buyer receives the item but doesn't confirm?+
Once you receive the item, you're expected to open the transaction and start the checking step. If you confirm everything's right, payment releases to the seller immediately. If you don't take any action, payment still releases automatically after a short window, so a seller is never left waiting indefinitely on a buyer who's gone quiet.
Why do I need Paddy if I already know the seller?+
You don't need Paddy for every transaction. It matters when money, distance or uncertainty make paying a stranger feel risky.
Start trading with confidence
Make trust part of the transaction.
Whether you're buying or selling, start with a protected transaction instead of a leap of faith.
Start on WhatsApp →