Every transaction on Afruniverse is backed by a multi-layered trust system designed to protect both creatives and clients. Here's exactly how it works.
100%
Payment Protection
Every transaction is secured
7 Days
Auto-Release
No ghosting, no waiting
14 Days
Dispute Window
Evidence-based resolution
3 Days
Security Hold
Business days before payout
Secure Payments
Payments are secured before work begins
When a client purchases a service, their payment is processed through our secure payment gateway and held as a Conditional Settlement. The creative can begin work with full confidence — the money is confirmed and allocated. No one can access the funds until the agreed work is completed.
Payment secured via Paystack before any work starts
Payments processed through regulated payment infrastructure
Creative sees the confirmed amount in their dashboard
Fair Release System
Milestone-based approval with partial delivery support
Projects can be broken into milestones. Funds are released only when the client approves the deliverables. If only part of the work meets requirements, an admin can approve a proportional release — protecting both parties fairly.
Client reviews and approves each delivery
Partial approvals and proportional payments supported
Immutable audit trail records every action
Auto-Release Protection
No ghosting — 7-day safety net
If a client fails to review deliverables within 7 days, the platform automatically releases the settlement to the creative. No chasing. No waiting. The system protects your time and work by default.
7-day timer starts when work is submitted
Fully automated — zero manual intervention required
Email notifications sent to both parties before release
Dispute Resolution
14 days evidence-based process
Either party can raise a dispute within 14 days of delivery. All disputes are evidence-based — supporting files, messages, and timestamps from the workroom are reviewed. An admin adjudicator issues a final ruling with full transparency.
After funds are released, a 3-business-day security hold prevents premature withdrawal. Creatives must complete KYC verification before any payout. High-value withdrawals trigger automated admin alerts. Every financial action is logged to an immutable audit trail.
3-business-day security hold on all releases
KYC Level 2 required for withdrawals
High-value transaction alerts to admin
IP address + timestamp logging on every action
The Payment Journey
Step 1
Client Pays
Payment secured before any work begins
Step 2
Creative Delivers
Work submitted via secure workroom
Step 3
Client Reviews
Approve, request revisions, or dispute
Step 4
Payout Processed
3-business-day security hold, then available for payout
Built on Trust, Not Hype
Afruniverse isn't just a marketplace — it's a trust infrastructure for African creatives and the businesses that hire them.