Afrikoni's payment protection works through escrow. When a buyer pays, the funds sit with a regulated payment provider (Flutterwave or Stripe) — not with the supplier and not with Afrikoni. Funds release to the supplier only when shipment proof is uploaded and the buyer confirms receipt. If something goes wrong, a structured dispute process resolves the case before any funds move.
The buyer pays into a regulated escrow account (Flutterwave for African corridors, Stripe for global). Funds sit there until: (1) the supplier ships and uploads proof, (2) the buyer confirms delivery, OR (3) a dispute is resolved. Afrikoni never holds buyer funds — that's the whole point.
After the agreed delivery deadline, the buyer can open a dispute. If shipment can't be verified, escrow releases back to the buyer in full. The supplier never receives funds for a non-delivered trade.
Buyer opens a dispute inside the trade workspace. Afrikoni's resolution team mediates. Outcomes range from full refund (severe quality miss) to partial refund (minor spec deviation). Funds stay in escrow until resolution.
Afrikoni partners with regulated payment institutions for the actual fund custody (Flutterwave, Stripe). Afrikoni itself operates as a Belgian-incorporated entity under EU GDPR.