Last updated: 9/26/2026
Welcome to XcrowPay. By creating an account or using our platform in any way, you agree to be bound by these Terms of Use. Please read them carefully. If you do not agree, do not use the platform.
XcrowPay is a digital escrow service that holds funds on behalf of buyers until the agreed conditions of a transaction are fulfilled by the seller. We act solely as a neutral intermediary — we are not a party to any transaction between buyers and sellers, and we do not inspect, guarantee, or take responsibility for the quality, legality, or delivery of any goods, services, or digital assets exchanged through the platform.
You must be at least 18 years old and capable of entering into a legally binding agreement to use XcrowPay. By registering, you confirm that all information you provide is accurate, current, and complete. We reserve the right to suspend or terminate any account found to contain false information.
You are responsible for maintaining the confidentiality of your account credentials. You must not share your login details with any third party. All activity conducted under your account is your responsibility. If you suspect unauthorized access, notify us immediately through the platform's support channels.
When a seller creates a transaction, a unique payment link is generated for the buyer. The buyer pays the transaction amount plus a service fee (see Section 5) through our payment gateway (Korapay or Paystack). Funds are held securely by XcrowPay until:
If the buyer raises a dispute, funds remain held pending review. XcrowPay reserves the right to make a final determination based on evidence provided by both parties.
A non-refundable service fee is charged to the buyer at the time of payment, calculated as a percentage of the transaction value that decreases as the transaction size increases. This fee covers escrow holding, payment processing, and platform operations. The exact fee is displayed clearly before payment is made, based on the following schedule:
| Transaction Amount | Fee | Maximum Fee |
|---|---|---|
| ₦0 to ₦100,000 | 7% | ₦7,000 |
| ₦100,001 to ₦500,000 | 5% | ₦25,000 |
| ₦500,001 to ₦1,000,000 | 3% | ₦30,000 |
| ₦1,000,001 to ₦2,000,000 | 2.5% | ₦50,000 |
| ₦2,000,001 to ₦5,000,000 | 1.5% | ₦75,000 |
| ₦5,000,001 to ₦10,000,000 | 0.75% | ₦75,000 |
| ₦10,000,001 to ₦20,000,000 | 0.40% | ₦80,000 |
| ₦20,000,001 to ₦30,000,000 | 0.30% | ₦90,000 |
| ₦30,000,001 to ₦40,000,000 | 0.24% | ₦96,000 |
| ₦40,000,001 to ₦50,000,000 | 0.19% | ₦95,000 |
| Above ₦50,000,000 | Negotiated, or 0.19% | - |
Once a transaction is confirmed as completed, the seller's payout is initiated to their registered bank account. Payout timelines depend on the payment provider and may be subject to standard banking processing times. XcrowPay is not liable for delays caused by third-party financial institutions.
Either party may raise a dispute before funds are released. To do so, contact our support team through the platform with relevant evidence (screenshots, chat records, delivery proof, etc.). XcrowPay will review all evidence and issue a final decision. Our decision is binding and final. We aim to resolve disputes within a reasonable timeframe, but we do not guarantee specific resolution timelines.
If a transaction is cancelled before the seller has delivered and a dispute is resolved in the buyer's favour, the buyer may be eligible for a refund of the transaction amount (excluding the service fee described in Section 5, which is non-refundable). Refunds are issued at the sole discretion of XcrowPay after a review of the circumstances.
You must not use XcrowPay for:
Violation of these rules will result in immediate account suspension, forfeiture of any held funds, and may be reported to law enforcement.
XcrowPay offers an affiliate programme where approved affiliates may earn a commission on transactions generated by users they refer to the platform. Commission rates are set by XcrowPay administration and may be changed at any time. Commission is only earned on transactions where payment has been confirmed by our payment gateway. Affiliates must not engage in spam, misleading advertising, or any deceptive practice to generate referrals.
XcrowPay is not liable for any loss of profits, data, goodwill, or indirect, incidental, or consequential damages arising from your use of the platform, including but not limited to: failed payments due to third-party gateway issues, delays in payout, disputes not resolved in your favour, or unauthorized access to your account due to your own negligence. Our total liability to you for any claim shall not exceed the amount of the specific transaction in question.
All content, branding, design, code, and materials on the XcrowPay platform are the exclusive property of XcrowPay and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our prior written consent.
We may update these Terms of Use at any time. Continued use of the platform after changes are published constitutes your acceptance of the updated terms. We recommend checking this page periodically.
We reserve the right to suspend or terminate your account at any time for violation of these terms, suspicious activity, or at our discretion. You may also close your account at any time, subject to the resolution of any open transactions or outstanding disputes.
These Terms of Use are governed by the laws of the Federal Republic of Nigeria. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of Nigerian courts.
For questions about these Terms of Use, please reach out through the support channels available within the platform.