FINTACLOUD

Transaction model

From payment to release, every escrow step is explicit and verifiable.

LOCK2PAY separates payment from payout until goods are delivered and inspected, reducing uncertainty for both buyers and sellers.

Core journey

Buyer → Escrow vault → Seller settlement

All statuses are backend controlled. Users see clear stage transitions and associated actions.

01

Escrow created

Seller creates transaction terms and shares escrow link.

02

Payment secured

Buyer pays into LOCK2PAY escrow account.

03

Order dispatch

Seller ships after payment verification.

04

Inspection window

Buyer gets 4 hours to confirm quality.

05

Settlement

Funds release to seller or dispute path begins.

For buyers

Know exactly what is protected.

  • Pay to escrow, never directly to seller
  • Track dispatch and delivery milestones
  • Use inspection and dispute safeguards

For sellers

Ship confidently after payment security.

  • Share a professional escrow checkout
  • See state changes in real-time workflow
  • Settle to wallet after successful completion