Build Protected Transactions Into Your Product
One transaction layer for agreement, funding, delivery, confirmation, release, and dispute handling. You keep the customer experience; TrustedPayer keeps the workflow coherent.
Your product
Your customer brand & user journey
- Your brand and journey
- Your users and roles
- Your notifications
TrustedPayer
Deterministic transaction lifecycle
- Deal and milestone state
- Release and pause rules
- Dispute and audit records
Configured partners
Licensed custody & identity rails
- Payment and custody setup
- Identity verification
- Settlement and reporting
One lifecycle. Every state visible.
Draft, funded, progress, confirmation, and release, with a documented pause path.
The Deal Lifecycle.
Every state visible.
From creation to final reconciliation, every transition is governed by strict rules, signed events, and full exception handling.
Create
Your product posts the deal terms, currency, amount, participants, and configured release rule.
Fund
The buyer deposits into the segregated trust account. TrustedPayer records the confirmed hold.
Progress
Milestones, tracking numbers, and deliverable files are submitted with immutable timestamps.
Confirm
The authorized party confirms acceptance, or triggers an instant pause on dispute.
Release
TrustedPayer executes payout according to the agreed rule and fires signed webhooks.
Reconcile
Complete double-entry accounting records, event logs, and tax exports returned to your systems.
Create a protected deal in one API call
curl -X POST https://api.trustedpayer.com/v1/deals \
-H "Authorization: Bearer tp_live_sec_89f021..." \
-H "Idempotency-Key: deal-req-uuid-99214" \
-H "Content-Type: application/json" \
-d '{
"reference": "order-laptop-macbook-pro",
"currency": "NGN",
"amount": 1450000,
"release_condition": "buyer_confirmation",
"inspection_window_hours": 48,
"buyer": { "external_id": "usr_99120", "role": "buyer" },
"seller": { "external_id": "usr_33108", "role": "seller" }
}'Payment is easy.
Agreement is the hard part.
A protected transaction needs clear terms, accountable parties, evidence of delivery, controlled releases, and a fair way to pause when something changes.
Assembled in-house
Wallet states scattered across systems
Held funds, balances, and payouts are tracked in disparate databases without a single transactional ledger.
Release logic hidden in manual scripts
Payout sign-offs depend on internal customer support Slack channels and improvised cron scripts.
Dispute evidence lost in inboxes
Waybill receipts, defect photos, and messages are sent over random emails with zero audit timestamping.
No shared record for either party
Buyers and sellers see conflicting status screens, leading to angry escalations and chargebacks.
9 to 18 months of platform development
Engineering quarters wasted assembling ledger states, banking custody, and KYC logic from scratch.
Built on TrustedPayer
One documented deal and wallet lifecycle
Every transaction, milestone, and payout follows a single state machine exposed via webhooks.
Release conditions configured per agreement
Automated inspection timers, milestone approvals, or multi-signature sign-offs run automatically.
Structured dispute & evidence workflow
Instant release pausing with tamper-proof delivery attachments and impartial reviewer intervention.
Audit trail returned to your systems
Signed HMAC webhooks stream immutable event logs into your operational dashboards in real time.
Sandbox to production in days, not quarters
Standardized REST endpoints, complete test harness, and guided regulatory review for rapid go-live.
Mechanism over promise
Every platform statement is backed by an atomic state transition in the ledger, verifiable by both parties.
Six Core Capabilities.
One Transaction Layer.
Adopt the modules your commerce product needs today, and scale seamlessly into complex multi-party milestone escrow.
Deal Creation & Negotiation
Create one shared record holding the parties, amount, currency, scope, delivery terms, and approval conditions. Both sides clarify terms before funds move.
- Draft and invitation states
- Terms amendments
- Role-based permissions
Wallets & Funding States
Connect funding flows directly to segregated bank custody. Track available, held, pending, released, and returned amounts per deal with cryptographic certainty.
- Virtual account rails
- Ledger audit states
- Settlement references
Milestones & Sign-offs
Break complex commercial engagements into reviewable checkpoints. Each milestone carries amount, due date, evidence criteria, and confirmation owner.
- Checkpoint proof-of-work
- Confirmation ownership
- Partial release support
Delivery & Inspection
Connect courier tracking, dispatch waybills, physical inspection windows, and affirmative acceptance records so both parties see the exact same evidence.
- 48h inspection timers
- Waybill attachments
- Proof-of-delivery sync
Dispute & Resolution Workflow
When an agreement condition is contested, pause the affected release automatically, collect time-stamped evidence from both parties, and resolve fairly.
- Automated fund pauses
- Structured evidence vaults
- Arbitration execution
Signed Webhooks & Audit Records
Keep internal accounting systems, databases, and customer notifications in real-time sync with HMAC-SHA256 signed event delivery and replay capabilities.
- HMAC event signatures
- Audit replay log
- Reconciliation exports
One Transaction Layer.
Tailored Commerce Blueprints.
The underlying platform does not change. What changes is the customer journey you design for your buyers, sellers, contractors, and approvers.
High-value listings without building escrow ops
Give buyers and sellers a structured way to agree terms, use milestones, and resolve exceptions without your team assembling custody from zero.
- Buyer & seller onboarding flows
- Listing-level protected deals
- Dispute queues for trust & safety
Turn client proposals into governed engagements
Convert an accepted proposal into a protected deal with a deposit, delivery checkpoints, approval steps, and controlled payout as stages are signed off.
- Progress deposits & retainers
- Multi-stakeholder sign-offs
- Delivery sign-off evidence vaults
Protection where transaction risk is highest
Attach agreed inspection conditions to orders for categories where buyers and sellers need certainty, keeping your existing storefront intact.
- Order-to-deal mapping
- 48h physical inspection timers
- Return & dispute mitigation
Coordinate multi-party vendor commitments
Manage approvals, vendor deliveries, evidence, exceptions, and financial reporting across teams while keeping every commitment tied to release rules.
- Departmental approval chains
- Vendor compliance scorecards
- Procurement audit reconciliation
Verifiable Guarantees.
Mechanism over promise.
Security is not marketing copy. It is a set of deterministic platform behaviours that your developers can independently test and audit.
Cryptographically Signed Events
Every webhook carries an HMAC-SHA256 signature that your application verifies before applying any state change.
Idempotent State Mutators
Every state-changing API request requires an idempotency key so network retries never create duplicate deals or charges.
Segregated Trust Custody
Funds are deposited directly into designated client-escrow trust accounts at regulated banking institutions.
Double-Entry Audit Ledger
All financial balances are tracked across credits and debits with zero floating math or unallocated capital.
Start with a test deal today
The fastest way to evaluate TrustedPayer is to run the complete lifecycle yourself. The sandbox takes minutes and never moves real money.