Embedded escrow for marketplaces and platforms
If your platform connects buyers and sellers, trust is everything. wlbr provides the escrow layer that protects both sides - funds held on trust in NZD and released only when the deal is done.
Sound familiar?
- Buyers hesitate to pay strangers on your platform.
- Sellers worry they'll do the work and not get paid.
- Off-platform payments cut you out and expose users to fraud.
- Building compliant escrow in-house is slow and costly.
How wlbr helps
Built-in payment protection
Buyers fund into a protected NZD trust account and sellers are paid on approval - so both sides transact with confidence.
Keep transactions on-platform
When paying safely is built in, users have no reason to go off-platform - protecting your take-rate and your community.
No chargebacks
Open banking payments remove card chargeback risk from your marketplace entirely.
Trust as a feature
Offer the payment protection that turns first-time visitors into repeat, confident users.
The escrow lifecycle
Six states, visible to both sides
- 1
Agree
Scope and price set before money moves
- 2
Fund
Client pays from their bank via open banking
Held on trust
Funds sit in a dedicated NZD trust account
- 4
Work happens
Provider starts with confirmed funds
- 5
Approve
Client confirms the work is right
- 6
Released
Balance paid to the provider's bank
If something goes wrong: either side can raise a dispute. The funds freeze in the trust account - neither side can touch them - while both add evidence. Resolution releases, refunds, or splits the money. Unresolved disputes can escalate to FSCL, an approved independent scheme.
Who else uses wlbr
Ready to get paid with confidence?
No monthly fees, no lock-in. A flat 2% per payment, shown clearly before anyone pays.
Talk to us about your platform