The link that holds money until both sides agree.
Zorva is Nigeria's trust layer for informal commerce. Create a secure Zorva link in under 2 minutes and share it on WhatsApp. Buyers pay with confidence. Sellers deliver without risk.
From strangers to completed deal — in minutes
Zorva removes the trust deadlock that stalls Nigerian informal transactions. Whether it's a ₦5,000 hair piece or a ₦5M property deposit, the flow is exactly the same.
Create your link
Name the item, set the amount, and describe the exact terms that trigger payment release.
Takes under 2 minutes. No account needed for the other party to view.
Buyer funds Zorva
Share the Zorva link on WhatsApp, Instagram, or anywhere. Buyer pays via card, bank transfer, or USSD.
Money is held by Zorva — not you, not the buyer. Both parties are protected.
Deliver with confidence
The seller sees funds are secured and proceeds. Buyer gets their item or service.
For digital goods, files are held and released automatically on funding.
Release on confirmation
Buyer confirms receipt. Funds are released instantly to the seller's wallet. Simple.
If unconfirmed after the delivery window, funds auto-release. No ghosting leverage.
Everything trust requires.
Nothing it doesn't.
Every feature was built to close a specific gap in Nigerian informal commerce.
Shareable transaction links
Every zorva lives at a unique URL. Send it on WhatsApp, paste it in DMs, add it to your bio. No app download required for the other party.
Milestone payments
Break large projects into phases. Release funds per milestone — designers, developers, and contractors love this.
Digital delivery vault
Upload your file. Buyer pays. File is released. No "show me first" standoffs.
Real human mediation
When evidence is ambiguous, a trained mediator reviews the case within 24 hours. High-value disputes get a 4-hour SLA.
Reputation scores
Every completed transaction builds your trust profile. Buyers check before they fund.
Auto-release timer
Delivery window closes → funds release. Buyers cannot ghost sellers indefinitely.
Instant payouts
Released funds land in your Nigerian bank account within minutes via NIP transfer.
One platform, every type of trade
Stop losing buyers to trust issues
Instagram boutiques, Twitter vendors, WhatsApp resellers — your buyers want to pay you but are scared. Give them a Zorva link so they can pay with confidence.
- Buyers pay before you ship — you never risk your inventory
- Your Zorva trust score builds with every completed sale
- Get a Pro seller profile page to put in your bio
- Quick links for repeat products — generate in seconds
Every feature on this tab exists in the product today — not on a roadmap.
One flat fee.
Every plan.
Trust shouldn't be expensive. Every transaction costs the same 2%, no matter which plan you're on — plans differ on limits and support, never on price.
For individuals and casual sellers. Everything you need to transact safely.
- Unlimited transaction links
- WhatsApp + SMS notifications
- Standard dispute resolution (48hr SLA)
- Public trust profile
- NIP bank payouts
For high-volume sellers who need a professional presence and priority support.
- Everything in Standard
- Custom profile URL (zorva.ng/yourname)
- Quick link templates for repeat products
- Priority dispute resolution (12hr SLA)
- Advanced analytics dashboard
- Branded transaction pages
- Dedicated account manager
For teams, agencies, and high-value B2B transactions with custom needs.
- Everything in Pro
- Team accounts with role permissions
- Multi-wallet sub-accounts
- Bulk transaction creation via CSV
- API access for custom integrations
- Express dispute resolution (4hr SLA)
- White-label transaction pages
- Invoice generation
No hidden fees · No monthly subscription · In partnership with Anchor
Questions people actually ask
If yours isn't here, email us and we'll get back to you.
hello@zynterra.coZorva holds the funds in a pooled Zorva wallet, regulated and compliant with CBN guidelines for payment service providers. The money is never in the hands of the buyer or seller — it sits with us until the agreed conditions are met.
If the seller doesn't mark delivery within the agreed window, you can raise a dispute. Submit your evidence and a mediator will review within 48 hours. If delivery genuinely didn't happen, you get a full refund. If the seller ghosted entirely, funds auto-refund after the delivery window plus a 48-hour grace period.
Instantly. When a buyer confirms receipt, funds move from the Zorva wallet to the seller's Zorva wallet in real time. Bank withdrawal via NIP transfer takes 2–5 minutes to any Nigerian bank account.
No. The buyer opens the Zorva link — which works like any website — and can fund it using card, bank transfer, or USSD without signing up. They'll be prompted to verify their phone number during the transaction, which becomes their lightweight account.
Zorva charges a flat 2% of the transaction value, the same on every plan. When creating a Zorva link, the initiator chooses who bears the fee: buyer, seller, or split equally. The fee is deducted at the point of release, not at funding.
Photos or videos of the received item, chat screenshots, delivery receipts, waybills, tracking numbers, and any documentation referenced in the original transaction terms. The more specific your original terms when creating your Zorva link, the faster disputes are resolved.
Yes — Zorva works nationwide across Nigeria. Any Nigerian bank account for payouts, any Nigerian phone number for verification, and the platform is designed for users with mid-range smartphones and variable connectivity. USSD funding means even feature-phone users can transact.
Absolutely. Business accounts support team members, multiple sub-accounts, bulk transaction creation, branded links, and invoice generation. Milestone escrow is particularly useful for wholesale orders and service contracts between businesses.
Stop letting trust be someone else's problem.
Create your first Zorva link in under 2 minutes. No monthly fee. You only pay when a transaction completes.