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Buyer protection with PINMart escrow

PINMart escrow is what makes PINMart safer than buying from a Facebook group.

1. 1When you pay, PINMart reserves your credits in escrow. The seller is not paid yet.
2. 2PINMart holds the money in its own PIN wallet and records it against your order in our ledger. It is not a separate escrow account held by PIN or a bank.
3. 3The seller can see payment is secured and prepares the item.
4. 4For physical goods, inspect the item at handover.
5. 5For new physical orders, buyer confirmation automatically queues the seller payment. Finance sends it from the company PIN wallet to the seller’s saved PIN address. No second settling hold or separate withdrawal request applies.
6. 6New physical orders have 15 days from payment for buyer confirmation. Without confirmation, the full amount returns to the buyer’s PINMart balance. Handover and reporting a problem do not extend this deadline.
7. 7New digital orders: cancel before unlocking for a full refund. If you never unlock within 15 days of payment, the full amount returns to your PINMart balance. Unlocking starts 48 hours to inspect the file; accept early or report a problem before that period ends. Without a timely dispute, the purchase completes and queues seller payment.
8. 8New digital orders keep their existing digital commission rules (5%, K0.50 minimum). Once the purchase completes, finance pays the seller’s saved PIN wallet after the recorded commission. An open dispute holds the payment for review. No additional settling hold or withdrawal request applies.
9. 9Earlier physical and digital orders keep the terms recorded when they were created. The order page shows which timing applies.
10. 10If something is wrong, raise a dispute before confirming.