Founding 100

Founding 100: FREE for 90 days.

No card. We list your products for you. After 90 days: ₦10,500/mo + 7% only when order completes. No sale = no fee.

  • No card needed to start
  • Unlimited listings, no listing fees
  • Then ₦10,500/mo + 7% — no sale, no fee

Buyers & sellers, both protected

How Dhamana Escrow Works

Your money is held safely until the deal is done. No payments go straight to a seller. Every order flows through Dhamana escrow, so both sides are protected.

Buyers

  1. Shop verified sellers

    Browse listings and look for the verified badge. Every seller is vetted with shop details, documents, and payout info before they can list.

  2. Pay into escrow

    You pay for the item, but the seller doesn't get the money yet. Dhamana holds your funds securely.

  3. Seller fulfills your order

    The seller ships your item within the agreed window.

  4. Inspect, then confirm delivery

    Once the item is in your hands and it's what you paid for, confirm delivery. Only then do we release the funds to the seller.

  5. You're auto-protected

    If the seller never fulfills, you're refunded automatically. If you're unreachable after delivery, funds release after 7 days. You get an in-app notification at every step.

Sellers

  1. Get verified

    Submit your shop details, documents, and payout info. Once approved, you get a verified badge buyers trust.

  2. List your products

    Add photos, price, and condition. Your listings are visible to Lagos buyers ready to spend on phones and electronics.

  3. Fulfill with confidence

    The buyer's funds are already secured in escrow before you ship.

  4. Get paid on confirmation

    When the buyer confirms delivery, funds release to your payout account. No buyer action? Funds auto-release after 7 days.

Before a shop goes live

How We Verify Sellers

Every seller sends us their documents before they can trade. We screen that package automatically, then a person reads it. Both steps have to pass.

1. The package is checked

Storefront photo, CAC business registration, government photo ID, bank payout details and signed escrow terms. Anything missing and the shop cannot go live.

2. The documents are read

We automatically read the ID and CAC certificate for an expired ID or a name that does not match the business. Anything odd is raised before a human looks.

3. A person makes the call

Nothing is ever approved automatically. Our team reads every package themselves, so the Verified badge always means a real person checked this shop.

What the screening can say

These are the three results our reviewers see. None of them approves a shop on its own — they only show a reviewer where to look first.

  • IncompleteSomething required is missing. We tell the seller exactly what to add.
  • Needs ReviewThe documents raised a question. A reviewer looks closely before deciding.
  • Ready for ApprovalEverything checks out. A reviewer still gives the final yes or no by hand.

A shop only ever shows the Verified Seller badge after a member of our team has approved it by hand.

The gap in the market

Online trading in Nigeria breaks at exactly one moment: trust.

The listings are there. The demand is there. What is missing is a referee standing between two strangers at the moment money changes hands.

01

“Send the money first.”

Buyers are asked to transfer to an account they have never seen before, with nothing but a screenshot as protection. So most of them simply do not buy.

02

Pay-on-delivery bleeds sellers.

Rejected parcels, no-shows and return trips turn a healthy margin into a loss. Sellers end up refusing exactly the orders they need most.

03

Nobody owns the outcome.

Classifieds hand over a phone number and disappear. Big marketplaces bury the seller behind their own brand. Neither side gets a referee.

How it works

Escrow is not a feature we added. It is the product.

Four steps, every single order, with no way to opt out — because protection that is optional is protection nobody has when it matters.

  1. 01

    Buyer pays into escrow

    Card, transfer or USSD. The money lands in a protected Dhamana wallet — never in a stranger's account.

  2. 02

    Seller ships with certainty

    The seller sees funds confirmed, books a vetted courier in one tap and shares live tracking from the order screen.

  3. 03

    Delivery is verified

    Courier scans and delivery photos are attached to the order automatically, so the timeline speaks for itself.

  4. 04

    Money is released

    The buyer confirms — or the inspection window closes — and the seller is paid out instantly. Disputes freeze the funds until resolved.

The trust layer

Everything a safe transaction needs, in one place.

Payments, delivery and resolution are usually three separate problems a seller has to solve alone. Dhamana carries all three.

Escrow wallet

Every naira on Dhamana sits in escrow by default. Not a checkbox, not a premium add-on — the only way to transact here.

Verified sellers

Business details, bank account and ID are checked before a shop can accept its first order. Verification badges are earned, not bought.

Logistics built in

Book a pickup, print a label, track the parcel. Or use your own riders and attach the tracking reference yourself.

Real dispute resolution

A human team reviews the order timeline, courier scans and evidence from both sides. Target turnaround: 48 hours.

Instant payouts

Confirmed order, settled balance. Payouts hit the seller's bank account the moment escrow releases — no weekly cycles.

Reputation that counts

Ratings are tied to completed, escrow-backed orders only. A five-star shop on Dhamana actually delivered five-star orders.

Why Dhamana

Classifieds give you reach. Big marketplaces give you rules. Neither gives you a referee.

Nigerians already trade online at scale on platforms like Jiji, Jumia and Konga. What they still do without is a neutral party holding the money until both sides are made whole.

Comparison of Dhamana with classifieds apps and large marketplaces
CapabilityDhamanaClassifieds appsLarge marketplaces
Payment held until delivery is confirmedYesNoVaries
Seller keeps the customer relationshipYesYesNo
Vetted courier booked from the orderYesNoYes
Human dispute review with evidence trailYesNoVaries
Payout on confirmation, not on a cycleYesVariesNo
No fee on orders that never completeYesYesNo

Comparison describes common patterns across the classifieds and large-marketplace categories rather than any single operator, and offerings change over time. Jiji, Jumia and Konga are trademarks of their respective owners and are not affiliated with Dhamana.

For sellers

Sell to people who have never met you.

  • Turn “I don't know you” into a completed order — escrow does the trusting for you.
  • Stop absorbing failed pay-on-delivery trips and rejected parcels.
  • Get paid the moment delivery is confirmed, straight to your bank account.
  • Carry your rating with you as your shop grows across states.
Start selling on Dhamana

For buyers

Shop without holding your breath.

  • Your money is held by Dhamana until the parcel is in your hands.
  • Inspect what arrives before the seller is paid.
  • Track the delivery from pickup to doorstep in one place.
  • Open a dispute in a tap and keep your funds frozen while it is reviewed.
Get early buyer access

Voices from the pilot

What early sellers and buyers tell us.

Half my customers used to disappear the moment I asked for a transfer. With escrow they just pay — my completed orders more than doubled in the pilot.
Adaeze NwachukwuFounder, Adire & Co · Lagos
I stopped doing pay-on-delivery because of failed drops. Dhamana gives me the same trust without me eating the delivery cost when someone changes their mind.
Ibrahim YusufPhone accessories trader · Abuja
It is the first time I have bought from a small shop online without that knot in my stomach. I could see exactly where my money was the whole time.
Chioma BalogunBuyer · Port Harcourt

Illustrative quotes from our pilot programme, shown as sample content while Dhamana is in pre-launch.

Pricing

You only pay when the deal actually completes.

Founding 100 sellers pay nothing for 90 days. After that, a flat monthly fee plus 7% only when an order completes. Buyers never pay a subscription.

Buyer

Freealways

Escrow protection on every order you place. No subscription, ever.

  • Funds held until you confirm delivery
  • 24h inspection window on every order
  • One-tap dispute with evidence upload
  • Live delivery tracking
Join as a buyer
Most popular

Seller

Founding 100: FREE for 90 days.

No card. We list your products for you.

After 90 days: ₦10,500/mo + 7% only when order completes. No sale = no fee.

Everything a shop needs to sell to strangers safely.

  • Unlimited listings, no listing fees
  • Escrow wallet and instant payouts
  • Discounted vetted courier rates
  • Verification badge and shop page
  • Dispute support from a real team
Join as a seller

Scale

Customfor high-volume merchants

For shops moving serious volume across multiple states and warehouses.

  • Volume-based fee schedule
  • Multi-user shop accounts
  • Priority dispute handling
  • Dedicated onboarding partner
Talk to us

Founding 100 offer applies to the first 100 verified sellers. Prices shown in naira.

FAQ

Questions people ask before their first order.

Still unsure about something? Join the waitlist and reply to the welcome email — a human on the team reads every one.

Join the waitlist

When a buyer pays on Dhamana, the money goes into a protected Dhamana escrow wallet — not straight into the seller's account. The seller sees the funds are confirmed and ships with confidence. Once the buyer confirms delivery (or the inspection window closes), we release the payout. Nobody has to trust a stranger; they only have to trust the process.

Pre-launch access

Be there the day the market opens.

We are onboarding our first cohort of sellers in Lagos, Abuja and Port Harcourt. Waitlist members get early access, founding-seller pricing and a say in what we build next.

  • Free early access — no card required
  • Founding-seller pricing locked for 12 months
  • Priority onboarding when your state opens

Join the waitlist

One email when we open in your city. Nothing else.

I'm joining as

Early access is free. We only use your address to tell you when Dhamana launches near you.

Already onboarded? Create your account or log in to track your protected orders.

Buying today? Browse listings from verified shops — no account needed to look around.

Selling on Dhamana? Start seller verification to get your Verified Seller badge.