Who pays the fee
Every escrow carries awhoPays field that determines how the Payluk fee is
split:
whoPays | Effect |
|---|---|
buyer | The buyer pays the full fee on top of the escrow amount. |
seller | The fee is deducted from the seller’s payout. |
both | The fee is split between buyer and seller. |
fee on the escrow when you create or edit it.
What the buyer is charged
When funding via Pay escrow, the buyer is charged the escrow amount plus their share of the fee. For example, an escrow of1,000,000 with a 25,000 fee split may charge the buyer
1,012,500.
When settlement happens
Standard escrow
The full amount (net of the seller’s fee share) is released to the seller
when the buyer confirms delivery, or when the seller successfully claims
funds after the delivery window.
Milestone escrow
Each confirmed milestone releases its net share — the milestone amount
minus its pro-rata portion of the seller fee. Commission is finalised when
the last milestone releases.
Refunds
When a dispute is resolved in the buyer’s favour (status: REFUNDED), funds are returned to the buyer’s wallet
and the escrow closes.
All amounts in the API are integers in the major currency unit (NGN). There are
no decimal/kobo sub-units in request or response bodies.