Who we are
CoPay is built for SMEs and individuals who sell their products online. Our escrow-enabled payment platform makes online transactions simple, transparent, and secure. With CoPay, funds are held safely until both the buyer and seller are satisfied, ensuring fairness and peace of mind on both sides.
We believe every entrepreneur whether selling on Instagram, Facebook, Tiktok, X(formerly Twitter) or running an e-commerce store deserves the same level of protection and credibility as big corporations. CoPay levels the playing field, giving small businesses the chance to thrive and buyers the confidence to shop without fear.
At CoPay, we are not just solving a payment challenge; we are bridging the trust gap in Africa’s digital marketplace.
Our Purpose
The rise of digital marketplaces across Africa has opened doors for entrepreneurs and buyers alike. Yet, one major problem has held the ecosystem back: trust.
For many online buyers, paying upfront feels risky too often, scams and undelivered goods leave them frustrated. On the other hand, sellers fear delivering products without payment security. Existing escrow payment solutions were designed for large-scale transactions, leaving out the everyday small business owner, freelancer, or individual who simply wanted a safe and seamless way to transact online.
That pain point is what gave birth to CoPay.
Meet the Team
Behind CoPay is a passionate team driven to transform trust in Africa’s digital economy.
Jennifer Njeri
Founder & CEO
Luke Ngugi
Lead Developer
Testimonials
“I no longer worry about being conned online. With CoPay, I know my money is safe until I get my order.”
Alice Online Shopper
“CoPay has helped me gain new customers. They trust me more because they know payments are secured in escrow.”
Peter Business Owner
“As an Instagram boutique, many customers feared prepaying. With CoPay, they check out confidently because they know funds are held until delivery.”
Wanjiku Boutique Owner
“I do home repairs. CoPay’s escrow means I get a deposit before I start and the rest after the client approves—no more chasing payments.”
Otieno Service Provider
“Sending a laptop upcountry used to stress me. CoPay held the buyer’s money, rider delivered, I confirmed, and the payout hit instantly.”
Amina Online Seller
“Bought furniture from a new seller and felt safe the whole time. Delivery first, then CoPay released the funds. Smooth.”
Etyang Customer10,101
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