Hold Am secures your payment in a neutral pool until you confirm delivery. No more advance-fee fraud. Built for MTN MoMo, Telecel Cash, AirtelTigo, card & bank.
Accepted payment networks
No app install needed for buyers — they pay through a shareable link on WhatsApp, Instagram, or SMS.
List what you're selling with price, description, and delivery terms. Choose who pays the escrow fee.
Share the deal link. Buyer pays via MoMo, card, or bank. Hold Am secures the funds instantly.
Seller ships the item. A rider can be assigned with OTP confirmation. Buyer confirms receipt.
Payment releases instantly to seller and rider. Dispute? 48-hour mediation handles it fairly.
Every feature built around one idea: hold the payment until the buyer is satisfied.
Funds held in a neutral pool, released when the buyer confirms. Auto-refund if delivery window expires.
MTN MoMo, Telecel Cash, AirtelTigo, debit cards, and bank transfers through a single interface.
Real-time notifications at every deal stage. Shareable links work on WhatsApp, Instagram, or SMS.
Request a rider at checkout. All three parties tracked in one thread. OTP or QR at handover.
Raise a dispute with photo evidence. 48-hour timer auto-resolution if no response. No endless back-and-forth.
Live deal management with filters by status. Wallet interface, analytics, and verified badges.
From the Makola market stall to freelance contracts in Accra — one platform covers every use case.
"I was scared to buy a laptop from someone I'd never met on Facebook. Hold Am gave me the confidence to pay — and the seller released it perfectly. Life changing for online shopping in Ghana."
"As a freelance designer, getting deposits has always been a headache. With Hold Am milestone payments, my clients trust me and I trust them. No more unpaid invoices."
"I sell electronics on Instagram. Since using Hold Am, my sales went up 60% because buyers now trust me. The WhatsApp notifications are brilliant — everyone stays in the loop."
Join thousands of Ghanaians who trust Hold Am for secure transactions. Set up your account in under 2 minutes — no paperwork, no delays.