> ## Documentation Index > Fetch the complete documentation index at: https://docs.payluk.ng/llms.txt > Use this file to discover all available pages before exploring further. # Pay escrow (buy) > Fund an escrow (works for standard and milestone escrows; a milestone escrow is funded in full here). The amount charged is the escrow amount plus the buyer's fee share. `escrowDetails.escrowId` may be an array to fund multiple escrows. Requires the `customer-id` header (the buyer). ## OpenAPI ````yaml openapi.json POST /v1/payment/escrow openapi: 3.0.3 info: title: Payluk ThirdParty API version: 1.0.0 description: >- Merchant / Business API for the Payluk escrow and payments platform. All routes are mounted under `/v1` and authenticated with a secret key. Every response uses the standard envelope `{ status, message, data }`. contact: name: Payluk Developer Support email: support@payluk.ng url: https://payluk.ng servers: - url: https://staging.api.payluk.ng description: 'Staging: use sk_test_ keys here for safe testing' - url: https://api.payluk.ng description: 'Production: use sk_live_ keys' security: - bearerAuth: [] tags: - name: Escrow description: Create and manage standard escrow payment links. - name: Milestone Escrow description: Escrows that release funds in parts as milestones are confirmed. - name: Vault Escrow description: >- Merchant-only pooled-stake escrows: customers stake from their wallets and the merchant declares the winner. - name: Categories description: Organise escrows into merchant-defined categories. - name: Merchant Customers description: Manage the buyers and sellers that transact under your merchant account. - name: Disputes description: Confirm deliveries, raise disputes and resolve them. - name: Payments description: Fund wallets and escrows, verify references and manage payout details. - name: Debit Cards description: List and remove customers' saved debit cards. - name: Crypto Whitelist description: Manage whitelisted crypto withdrawal addresses. - name: Misc description: Supporting reference data. paths: /v1/payment/escrow: post: tags: - Payments summary: Pay escrow (buy) description: >- Fund an escrow (works for standard and milestone escrows; a milestone escrow is funded in full here). The amount charged is the escrow amount plus the buyer's fee share. `escrowDetails.escrowId` may be an array to fund multiple escrows. Requires the `customer-id` header (the buyer). operationId: payEscrow parameters: - $ref: '#/components/parameters/CustomerIdHeader' requestBody: required: true content: application/json: schema: type: object required: - amount - reference - transactionType - escrowDetails properties: amount: type: number minimum: 1000 description: >- Total amount to charge the buyer. Must equal the escrow amount plus the buyer's fee share, otherwise the request is rejected with "Amount mismatch". example: 10503.75 reference: type: string description: Your unique reference for this payment. example: ESC_REF_98765 transactionType: type: string enum: - escrow default: escrow example: escrow gateway: type: string enum: - card - wallet default: card description: >- Funding source. 'wallet' debits the buyer's Payluk wallet, 'card' charges a debit card. example: wallet cardId: type: string description: >- Saved card identifier. Only used when gateway is 'card' and paying with an existing saved card. currency: type: string default: NGN description: Optional. Defaults to NGN. escrowDetails: type: object required: - escrowId properties: escrowId: type: string description: The ID of the escrow to fund. example: 665f1b2c9a1e4d0012ab3c10 examples: wallet: summary: Fund an escrow from wallet value: amount: 10503.75 reference: ESC_REF_98765 transactionType: escrow gateway: wallet escrowDetails: escrowId: 665f1b2c9a1e4d0012ab3c10 card: summary: Fund an escrow with a saved card value: amount: 10503.75 reference: ESC_REF_98765 transactionType: escrow gateway: card cardId: 6931a06f41d1b69f94b1c617 escrowDetails: escrowId: 665f1b2c9a1e4d0012ab3c10 responses: '200': description: Escrow funded. content: application/json: example: status: 200 message: Payment intent verified successfully data: id: 6a3cdafd734e96016b22736b amount: 1030 reference: rthyjyutj fee: 0 transactionType: escrow currency: NGN transferDetails: null cardId: null walletDetails: null blockchainDetails: null withdrawalDetails: null escrowDetails: beneficiary: name: firsty fhgvj phone: '09022331122' description: details amount: 1000 fee: 30 paymentToken: PY_TIrNY1CD3836 purpose: multi-purpose escrow item channel: API callbackUrl: null metadata: null status: success creditType: debit createdAt: '2026-06-25T07:38:38.003Z' updatedAt: '2026-06-25T07:38:39.329Z' '400': description: You can only buy to your merchant's escrow. content: application/json: schema: $ref: '#/components/schemas/ApiError' example: status: 400 message: You can only buy to your merchant's escrow data: {} '401': description: Buying disabled for this account. content: application/json: schema: $ref: '#/components/schemas/ApiError' example: status: 401 message: >- Your account has been disabled from buying, please contact support data: {} components: parameters: CustomerIdHeader: name: customer-id in: header required: true description: The merchant customer this request acts on behalf of. schema: type: string example: 665f1b2c9a1e4d0012ab3c01 schemas: ApiError: type: object description: Standard error envelope. properties: status: type: integer example: 400 message: type: string example: Action not allowed data: type: object example: {} securitySchemes: bearerAuth: type: http scheme: bearer description: >- Your secret key as a Bearer token. The key prefix selects the environment: `sk_test_...` (test) or `sk_live_...` (live). ````