Escrow Protection Service

How we protect your money and ensure a fair trade for every buyer and seller.

Payment Held

Buyer pays for the item. Bagcom holds the funds in a secure escrow account.

Item Exchanged

Seller contacts the buyer to arrange a campus meetup. The buyer inspects the item before sharing the code.

Funds Released

Buyer shares their 6-digit code with the seller. Bagcom releases payment to the seller within 24 hours.

For Buyers

Money-back guarantee if the item isn't delivered.

Secure payment via M-PESA Express – no cash handling.

Ability to dispute and freeze payments if an item is faulty.

For Sellers

Receive guaranteed payment — funds are confirmed before you leave for the meetup.

Eliminate "buyer's remorse" or late payment excuses.

Build trust and sell faster with the "Escrow Protected" badge.

Important Marketplace Rule

Always complete your transactions within the Bagcom app. If a buyer or seller asks you to pay directly via M-PESA or cash, report them immediately. We cannot protect or refund payments made outside our system.