Tumalock securely holds your payment until you receive and confirm the goods or service.
Lock Payment → Seller Delivers → Buyer Confirms
How Tumalock Works
Buy and sell with confidence. Tumalock protects the payment while the transaction is completed.
STEP 1 · BUYER
Payment enters escrow, not the seller's wallet.
STEP 2 · TUMALOCK
Funds sit in escrow while the deal completes.
STEP 3 · SELLER
Seller ships or delivers with confirmed escrow.
STEP 4 · BUYER
Buyer confirms receipt; funds release to seller.
Payment protection for buyers. Confidence for sellers. One secure escrow platform — built for Kenya.
Your payment is held securely until you confirm delivery.
Lock and release payments from your phone.
Buyers get payment protection while sellers get confidence that payment is available.
Designed for secure online transactions in Kenya.
Getting Started
Follow these simple steps to transact safely with confidence.
The buyer and seller agree on price, item details, and delivery mode. This can happen over a phone call or through the Tumalock platform.
The buyer locks payment with Tumalock Escrow. Funds up to Ksh 500,000 are securely held until delivery. (M-Pesa max deposit per transaction is Ksh 250,000).
The seller ships items or provides the service after receiving a 'LOCKED SUCCESSFULLY' message. Delivery can be direct or via a Tumalock agent office.
Once the buyer confirms the goods or service, they unlock the payment. Funds are released to the seller — finalizing the deal securely.
Lock your payment with Tumalock and transact with confidence.
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