Immani Blog

From Immani — Kenya's dispute resolution infrastructure.

How to Protect Your Money in Online Transactions: A Guide to Escrow in Kenya

October 22, 2026
Key Takeaway

Learn how to safeguard your money when buying or selling online in Kenya using escrow services and understand your rights with Immani Legal AI.

How Escrow Protects Both Buyers and Sellers in Kenya Online transactions have become the norm in Kenya

with many people buying and selling goods and services on platforms like Facebook Marketplace, Jiji, and OLX. However, with the rise of online transactions comes the risk of scams and disputes. This is where escrow services come in – a safe and secure way to protect your money when transacting online. Under Kenyan law, escrow services are recognized as a legitimate way to hold payments until both parties confirm that the transaction has been completed successfully. This means that as a buyer, you can ensure that your money is safe until you receive the goods or services you paid for, and as a seller, you can ensure that you get paid once you deliver the goods or services.

How to Use Immani Escrow for Safe Online Transactions Immani Escrow

is a secure and reliable escrow service that holds money safely until both parties confirm that the transaction has been completed successfully. Here's how it works:

  1. The buyer pays via M-Pesa STK push, and the money is held by e-confirm.
  2. The seller shares a release code with the buyer.
  3. The buyer enters the release code to confirm receipt of the goods or services.
  4. Once both parties confirm, the money is released to the seller. Immani Escrow charges a fee of 3% of the transaction amount, which is a small price to pay for the security and peace of mind that comes with using an escrow service.

What to Do If You've Already Been Scammed If you've already fallen victim to an online scam, don't worry – there's still hope.

Immani (immanihub.com) allows you to file a dispute against the other person's phone number for KSh 100. No lawyer is needed, and you don't need to log in. Simply provide the details of the dispute, and Immani will help you resolve the issue.

Common Mistakes to Avoid When Using Escrow Services When using escrow services, there

are a few common mistakes to avoid:

Understanding Your Rights with Immani Legal AI Immani Legal AI (legal.immanihub.com) provides free legal information based on Kenyan law

in English and Kiswahili. If you're unsure about your rights in an online transaction, Immani Legal AI can help. You can ask questions, upload documents, and even draft legal documents using the platform. Immani and Immani Legal AI are not law firms and do not provide legal advice. This post is general information, not legal advice for your specific situation. For complex cases, consult a qualified advocate.

Disclaimer

This article is for general informational purposes only and does not constitute legal advice. Immani and Immani Legal AI are not law firms and do not provide legal representation. The information provided may not reflect the most current legal developments. For legal advice specific to your situation, consult a qualified advocate licensed to practice in Kenya.

Next time, hold your money safely.

Immani Escrow holds your money until both sides confirm the deal. Pay via M-Pesa, money held safely, released when you both agree. No accounts, no apps — just your phone.

Start an escrow

Ready to file a dispute?

File directly against the other person's phone number. No login required. KSh 100 to file.

Immani is not a law firm and does not provide legal advice. For complex cases or cases involving significant amounts, consider consulting a qualified advocate.

See how it works   File a dispute now

Frequently Asked Questions

What is escrow and how does it work?

Escrow is a service that holds money safely until both parties confirm that a transaction has been completed successfully. Immani Escrow holds money until the buyer confirms receipt of the goods or services.

How much does Immani Escrow charge?

Immani Escrow charges a fee of 3% of the transaction amount.

What if I've already been scammed? Can I still use Immani?

Yes, you can still use Immani to file a dispute against the other person's phone number for KSh 100.

Can I use Immani Escrow for any type of transaction?

Immani Escrow is suitable for most online transactions, but it's always best to check the terms and conditions before using the service.

Is Immani Legal AI a law firm?

No, Immani Legal AI is not a law firm and does not provide legal advice. It provides free legal information based on Kenyan law.

Can I get free legal information about my situation?

Yes. Immani Legal AI gives you answers based on Kenyan law — the Constitution, statutes, and case law. You can also draft legal documents, compare your case with precedents, and look up legal terms in plain language. It is free to use. Try Immani Legal AI →

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