What should the buyer check before paying?

The buyer should carefully review the agreed item description, price in GH₵, delivery location, and terms before confirming payment via USSD prompt.

When does the release process begin?

The payment release process begins after the buyer confirms delivery, subject to active dispute status and payment provider rules.

What happens if the transaction needs attention?

Either party can flag the order or contact support to open an investigation before funds are released.

Built for one-to-one transactions

A clearer way to pay someone you do not know.

Q: Who can create a TrustLink?

Any individual with an active Mobile Money account in Ghana can register and initiate a transaction.

Agree on what is being sold, pay through Mobile Money, follow fulfilment, and confirm receipt in one shared transaction flow. Both sides see the same details and status.

Start a transaction See how it works

Clear deal details

Trackable transaction status

Confirmation before release

Peer-to-Peer Deal In Progress

Item Being Sold

Pre-owned Laptop

Accra ➔ Kumasi Delivery

Agreed Amount

GH₵2,000.00

Shared Transaction Milestones

✓ Terms agreed

✓ Buyer pays

🚚 Seller fulfils

🔒 Buyer confirms

Illustrative example of peer-to-peer transaction states.

Designed for confidence in direct deals.

When buying or selling directly with someone online, TrustLink gives both parties clear parameters and visibility at every stage.

Agree before payment

Both buyer and seller review item descriptions, delivery expectations, and prices before any money moves.

Keep a useful record

Every step creates a shared status history accessible to both parties, replacing messy chat screenshots.

Know what comes next

Real-time status updates indicate when funds are deposited, when the package is sent, and when release begins.

Find support when needed

If delivery fails or item details differ, our support team can pause release and review transaction evidence.

The four-step peer-to-peer process.

Simple, transparent, and built around Ghana’s primary Mobile Money networks.

Terms agreed

The buyer or seller initiates a transaction specifying item description, delivery location, and agreed price in GH₵.

Buyer deposits funds

The buyer approves a Mobile Money USSD prompt (MTN MoMo, Telecel Cash, or AT Money). Funds are safely ring-fenced.

Seller dispatches order

The seller receives confirmation that funds are secured and dispatches the item via courier, waybill, or personal pickup.

Buyer confirms & releases

The buyer inspects the delivered item and confirms receipt via the link, initiating payment release to the seller’s wallet.

Common peer-to-peer use cases.

Practical Ghana-relevant scenarios where direct transactions benefit from process clarity.

Pre-owned Tech

Electronics & Devices

Buying a used laptop or smartphone from an individual seller in Accra or Kumasi. Verify item functionality before final payment release.

Services

Freelance & Creative Work

Designers, developers, or photographers delivering milestone assets to individual clients across Ghana with clear payment checkpoints.

Valuables

High-Value Physical Goods

Instruments, specialized equipment, or furniture sales between private individuals where both parties want verifiable dispatch records.

Process transparency & rules.

Trust is built on clear rules, observable status changes, and fair handling when expectations differ.

What buyers should check

Review the exact item description, price, delivery method, and return window before approving the USSD prompt on your mobile money line.

Evidence to keep

Retain waybill receipts, courier tracking notes, chat agreements, and unboxing photos/videos in case a delivery discrepancy occurs.

When support steps in

If an order is flagged or disputed, release is held while our team reviews submitted evidence according to our standard platform rules.

Frequently asked questions

Clear answers regarding peer-to-peer payments on TrustLink.

Who can create a TrustLink transaction?

Any individual buyer or seller in Ghana with a registered Mobile Money account (MTN MoMo, Telecel Cash, or AT Money) can create a free account and initiate a transaction.

What should the buyer verify before making a deposit?

Check that the transaction title, price in GH₵, delivery address, and agreed terms match your chat conversation before confirming the USSD payment prompt.

When does the payment release process begin?

The payment release process starts as soon as the buyer confirms successful receipt and inspection via the transaction link, subject to platform review rules.

What happens if the delivered item does not match the description?

The buyer can click "Raise Dispute" before confirming. This locks the funds in escrow while TrustLink support reviews the waybill and agreement evidence.

Explore TrustLink Solutions

Choose the workflow that fits your transaction model.

Current Solution Individuals Secure peer-to-peer payments for one-to-one deals. For Sellers Online Vendors Social media DM commerce for Instagram, TikTok, and WhatsApp. For Stores E-Commerce & Stores Direct checkout links and store integration options. For Platforms Marketplaces Multi-party escrow flows for online marketplaces.

Ready to transact with confidence?

Start a peer-to-peer transaction in minutes with Mobile Money integration.

Start a transaction now Contact Support