Deal with strangers safely.
Bizik holds the money in secure escrow until the work is delivered or the goods arrive. Then the seller gets paid. Create the deal in seconds — on the web, in the app, or just by chatting with Bizik on WhatsApp.
1.4B XAF
held safely
9,200+
deals completed
48h
to a ruling
MTN MoMo
Orange Money
VISA
MastercardHow it works
Four steps. The money is safe at every one.
Agree the deal
One side creates the deal — item or service, price, milestones. The other side gets an invite on WhatsApp and SMS.
Pay into escrow
The buyer funds it from MTN MoMo, Orange Money, card or wallet. Both sides see the money is there.
Deliver
The seller ships or delivers the work and uploads proof. Nobody can touch the money yet.
Release
The buyer approves and the seller is paid out to Mobile Money or bank. Not happy? Open a dispute instead.
Do the whole deal in WhatsApp.
No app to install. Message Bizik like you'd message a friend — type it or send a voice note — and create, fund, track and release deals without leaving the chat. Even ID verification runs right there.
Talk or type — English & French
Say "create a deal to buy a TV for 500,000 from Mike" in a voice note. The assistant does the rest.
Nothing moves without your PIN
The assistant can only propose. Every payment needs your confirmation plus a 4–6 digit PIN, executed by the same audited system as the apps.
Invites & reminders, sent for you
The other party gets a WhatsApp invite with Accept / Decline buttons — SMS if they're not on WhatsApp. Declining cancels the deal.
Verify your ID in the chat
The full KYC wizard — ID front, back, selfie — runs over WhatsApp, and you're notified when a reviewer decides.
The product
Every deal, every franc — one dashboard.
Wallet, escrow, active deals and disputes in a single view — with the exact next step for each one, so nothing stalls.
Why Bizik
Escrow built for how money actually moves here — not a Western bank product with an African label on it.
Mobile-money native
Pay in and get paid with MTN MoMo and Orange Money — plus bank and card.
Money held safely
Funds sit in segregated escrow — visible to both parties, spendable by neither.
Neutral mediation
Disputes are decided on evidence by a Bizik mediator. Release, refund or split.
Multi-currency wallet
XAF first, plus USD, EUR, GBP, NGN and GHS with live FX conversion.
Lives inside WhatsApp
Create, fund and release deals by chat or voice note — English and French, no install needed.
One account, two roles
Buy and sell, hire and freelance — same account, same wallet, app and web.
Who uses Bizik
Freelancers & clients
Milestones for bigger projects. Never chase a client again.
Online buyers & sellers
Buy from WhatsApp and Instagram sellers without the scam risk.
Vehicles & high-value goods
Inspection windows and manual review on large payouts.
Cross-border & diaspora
Send money home for a service — and know it was actually done.
Marketplaces
Escrow-as-a-service and an API to protect your own customers.
Not sure which fits your deal? Any two people can start one in under two minutes.
Start a secure dealProtection
How your money is protected
Three guarantees behind every deal on Bizik — the same three whether it's a 20,000 XAF phone case or a 12,000,000 XAF car.
Read our security page →Segregated escrow
Deal funds are held apart from Bizik's own money. We can't spend them and neither can the other party.
Release only on approval
Nothing moves to the seller until the buyer approves the delivery — or a mediator rules that they should be paid.
Full refund on non-delivery
If the goods or work never arrive, open a dispute. Evidence decides it, and the money goes back.
1.4B XAF
held safely in escrow to date
9,200+
deals completed without a dispute
48h
median time to a dispute ruling
“A client in Paris used to pay me two months late, every time. Now the money is in escrow before I open Figma.”
Product designer · Douala
“I sell phones on WhatsApp. Buyers used to ghost me over trust. Bizik closed four deals for me in one week.”
Electronics seller · Yaoundé
“I bought a car from 6,000 km away. The money only left escrow after my brother inspected it.”
Diaspora buyer · Brussels
One clear fee. No surprises.
You see the escrow fee before you commit, and you choose who pays it — buyer, seller, or split down the middle.
See pricing →From the blog
Know the scams before they reach you
The fake delivery agent is back — what to watch for
A third number joins your chat and asks for a delivery fee. It is never a courier. How the scam works, the red flags, and how escrow removes it entirely.
What is escrow, in plain language?
Who holds the money, when it moves, and what happens if the deal falls apart. Escrow explained without jargon, with a Cameroon example.
Freelancers: how to make sure you always get paid
Milestones, funded stages, a written brief and the polite way to ask a new client for escrow. A practical guide for freelancers in Cameroon.
Questions people ask first
Most people have never used escrow before. That's normal.
Visit the help centerEscrow is a neutral holding place for money. The buyer pays Bizik instead of paying the seller directly. We hold the funds — visible to both of you, spendable by neither — until the goods arrive or the work is delivered and approved. Then the money goes to the seller.
Deal funds sit in segregated accounts, separate from Bizik's own money, held with licensed partners. We cannot spend them, and neither party can withdraw them unilaterally. Every movement needs your confirmation and your PIN.
Straight to MTN Mobile Money, Orange Money, or a bank account, in the currency you choose. Most payouts land within minutes; larger amounts get a manual review first, which usually takes a few hours.
A single escrow fee per deal, shown before you commit — no monthly charge and nothing to pay for an account. You decide who covers it: buyer, seller, or split down the middle. Use the calculator on this page for an exact figure.
Open a dispute before the approval window closes. Both sides upload evidence — photos, delivery notes, chat logs — and a Bizik mediator decides on that evidence. The outcome is release, refund, or a split. Median time to a ruling is 48 hours.
Cameroon and the wider CEMAC region first, in XAF. The wallet also holds USD, EUR, GBP, NGN and GHS with live conversion, so diaspora buyers can fund a deal from abroad and the seller still gets paid locally.
Mobile app
Bizik in your pocket
Fund a deal, approve a delivery or open a dispute from your phone. Same account on Android, iOS and the web — and it works on a slow connection.
Ready to deal without the risk?
Free to create an account. You only pay when a deal is funded.