How it works
Escrow, step by step.
Whether you're buying or selling, XcroPay makes every stage explicit. No ambiguity. No hidden transitions. Every action logged, timestamped, and verifiable.
For Buyers
Buying with confidence.
01
Create a Transaction
Enter the details, agreed price, and invite the seller. Both parties must agree before anything proceeds.
02
Fund the Escrow
Pay using your preferred method. Funds are held securely — the seller cannot access them until you confirm.
03
Receive Your Item
The seller delivers as agreed. Take your time during the inspection period to verify everything.
04
Confirm or Dispute
Satisfied? Confirm and funds release. A problem? Open a dispute and our team steps in.
For Sellers
Selling without risk.
01
Accept the Terms
Review and accept the terms. You'll be notified once the buyer funds the escrow.
02
Deliver the Goods
Deliver as agreed and mark the order as delivered. Provide tracking or proof of delivery.
03
Get Paid
Funds release when the buyer confirms — or automatically after the inspection period expires.
Safeguards
01 — Dispute resolution
When things go wrong.
- 01Open a dispute from the transaction page
- 02Both parties submit evidence — photos, tracking, documents
- 03Our team reviews and makes a fair, documented decision
02 — Auto-release protection
Inspection windows.
Every transaction includes an inspection period. If the buyer does not confirm or dispute within this window, funds release automatically. Both parties see the countdown in real time.
Default window
48h
Next step
Start your first secure transaction.
It takes a minute to create your account and about five to complete KYC.