Commerce Trust Platform

Payment Protection Policy

Last Updated: 10/5/2026

How Siiqo Payment Protection Works

As the Commerce Trust Platform for African SMEs and Creators, Siiqo protects every transaction so businesses and customers can trade without fear. When a buyer pays on a Siiqo storefront, the funds are held securely in neutral escrow. Funds are only released to the vendor once the buyer confirms delivery and satisfaction, or when the verified auto-resolution window expires.

Buyer Refunds

Buyers are entitled to a full refund under the following conditions:

  • The item was never delivered.
  • The item arrived significantly damaged or different from the description.
  • The vendor canceled the order before fulfillment.

To claim a refund, the buyer must raise a dispute on the order page within 48 hours of the marked delivery date. Once a dispute is raised, the funds are frozen until Siiqo support reviews evidence from both parties.

Vendor Protection

Siiqo's payment protection shields vendors from fraudulent buyers who claim they didn't receive an item.

  • Vendors should always keep proof of delivery (receipts, delivery photos, signatures).
  • If a buyer fails to mark an item as received but the tracking confirms delivery, the funds will auto-release after 72 hours.
  • If an item is customized or perishable, specific conditions apply to the refund process.