UdozoPay rules

1. What UdozoPay is

UdozoPay lets a buyer pay through Udozo, which holds the money until the buyer has the item. It is the buyer's choice on each purchase, offered where we have opened it in your country. Purchases on resellers' stores always use it.

UdozoPay is part of Udozo Connect, Udozo's payments and logistics. Until 9 November 2026 it was called Safe pay: only the name changed.

UdozoPay takes real payments. Udozo collects, holds and refunds UdozoPay money through licensed payment partners.

The deadlines below are those set for Nigeria. Each country's own are shown before anyone commits.

2. How it works

• The buyer asks to buy with UdozoPay, at the listed price or a price the seller accepted in a chat in the last 7 days. They choose to meet in person, where the seller hands over in person, or delivery, where the seller delivers. They see the price, any delivery charge, their fee and the total first.
• The seller accepts or declines within 24 hours. To accept, a seller must have passed our identity check and added a payout bank account in their verified name.
• The buyer pays the total from their Udozo wallet within 24 hours. We hold it, and the listing shows as reserved.
• The hand-over, within 5 days. Meeting in person: the buyer gets a 6-digit release code. When they have the item and are happy with it, they give the code to the seller, who enters it to be paid. Buyers: never give the code before you have the item. Five wrong codes lock the release until we help.
• Delivery: see section 3.
• We release the money to the seller, and the listing is marked sold.

3. Delivery and shipping

• A seller who delivers sets the delivery charge in the listing: within their state and elsewhere, or free. It goes to the seller in full once the buyer has the item, and is refunded with the order if the item never arrives.
• The seller sees the delivery address once the buyer has paid.
• Before sending, the seller photographs the item and the sealed parcel: at least two photos and at most eight, kept private to the order and to us.
• The seller sends it by courier, marks it sent with the courier and tracking number (and a tracking link where the courier gives one), then keeps the tracking up to date.
• Once it is delivered, the buyer confirms it arrived in good condition, or opens a dispute, within 3 days. If they do neither, the money is released to the seller.
• A parcel never reported delivered is released after the country's longest transit time (7 days in Nigeria) plus that confirmation time, unless the buyer opens a dispute.
• The item is the seller's responsibility until the buyer has it. Loss or damage on the way is the seller's to put right. The photos and tracking help us decide any dispute.

4. Fees

• UdozoPay has a fee for the buyer and a fee for the seller. Each is a percentage of the price, up to a maximum amount, set for each country and shown before anyone commits. The fees fixed when the buyer asks are the ones for that order.
• The buyer pays their fee with the price. It is refunded with the price if the item does not change hands: a cancellation, a seller who does not hand over in time, or a dispute decided with a full refund.
• The seller's fee is taken only from money released to them: from the price, or from the part released after a dispute.

5. Cancelling, deadlines and refunds

• Before the buyer pays, either side can cancel, and nothing is charged. A request not answered, or an accepted order not paid, in time ends by itself.
• Once paid, either side can cancel until the hand-over, and the buyer is refunded in full, their fee included. A delivery that has been sent cannot be cancelled: the buyer confirms it or opens a dispute.
• If the seller does not hand over in time, the order is cancelled and the buyer refunded in full.
• Refunds go back to the buyer's Udozo wallet, which paid for the order.

6. Releases and payouts

• Released money, the price less the seller's fee plus any delivery charge, goes to the seller's sales money in their account.
• It can be paid out to the seller's bank account, in the name their identity check verified, once the payout hold for their country has passed, above the minimum for their country. The hold lets a payment that is later reversed still be put right. A new bank account can be used 24 hours after it is added, and you can have at most three.
• When a buyer paid with money topped up by card or mobile money in the last 60 days, payments that can be reversed, we may check the payment before the seller can withdraw it. We tell the seller when it is ready.
• A release is final. Once the code is entered, the delivery is confirmed or the confirmation time has passed, the money is the seller's, and we cannot take it back for the buyer, except where a payment is reversed or the law requires it.

7. Disputes

Before the money is released, the buyer can open a dispute: the item did not arrive, is not as described or is damaged. The money stays held. Both sides add their side, with photos, in the dispute.

Udozo decides, from what both sides give us, the listing and the chat: a full refund to the buyer, a part refund with the rest released to the seller, or release to the seller. We do not inspect items. Our decision settles where the UdozoPay money goes. It does not stop either of you using your legal rights against the other.

8. Protecting UdozoPay

• The same person cannot be the buyer and the seller. We compare identity checks and payout accounts to stop it, and refuse those orders.
• A seller new to UdozoPay can sell up to a limit for their first five sales.
• Cancelling after accepting, not handing over in time, and disputes decided against the seller each count as a strike. A seller with 3 strikes in 90 days cannot take UdozoPay orders until we review it.
• We may refuse, hold or reverse a UdozoPay order, and report it, where we suspect fraud, money laundering or a breach of these rules.

9. Buying on a reseller's store

Sellers can let resellers sell their listings on the resellers' own stores. The seller who wrote the listing (the supplier) is the seller of the item and is named on its page. The reseller's store is where it was bought.

• The buyer pays from their Udozo wallet. The money is locked in the wallet until the supplier accepts the order, within 24 hours. If the supplier declines or does not answer in time, the money is unlocked; not answering counts as the supplier's strike. A supplier may choose to accept orders automatically.
• Once accepted, the money is held by Udozo as for any UdozoPay order, and the steps, deadlines, delivery rules and disputes above apply.
• On release, the money is split three ways: the supplier receives their price less the reseller's discount, less their UdozoPay fee, plus any delivery charge; the reseller receives the rest of the price, less our fee on it; and Udozo keeps its fees. After a part refund, what remains is shared between the supplier and the reseller in proportion to what each would have received.
• The supplier and the reseller both answer the buyer in the order's chat. The buyer sees every message as from the store. The supplier and the reseller also have a thread of their own about the order, which the buyer never sees.
• Once the supplier accepts, the supplier and the reseller see the buyer's name, confirmed phone number, email and delivery address, to hand over or deliver the item, until 30 days after the order ends. We record each time they are opened.
• The reseller can cancel an order before it is handed over or shipped; the buyer gets all their money back.
• In a dispute, the supplier and the reseller both take part. When we uphold a dispute, we decide whose fault it was: the supplier's (the item or its delivery was not as the listing said) or the reseller's (their note, store or messages misled the buyer). It counts as that person's strike.
• A buyer can report the store from their order, for example for claiming to own or make the items, asking for payment outside Udozo or misusing their details. We review each report and tell the buyer what we decided.

10. Changes

Changes never apply to an order already requested: it follows the rules and fees shown when the buyer asked.