Released
The client approves the work and the provider is paid in NZD.
Funded
Money held safe until the job’s done.
Follow one payment from agreement to release - including where the money sits and what can happen next.
Protected payment
Awaiting approval$6,200
- Held safely
- $4,000
- Released
- $2,200
Next $1,800 releases when stage two is approved.
Five states
Agreement to release.
The rail below is the same visual language used across the product, so both sides always know where the payment stands.
Escrow state
Awaiting approvalAgreement
Funded
Held
Approval
$6,200
Released
- 01
Agree the work
The client and provider agree the scope, price, timing, and any milestones before money moves.
- 02
Fund from the bank
The client funds the payment by bank-to-bank open banking through Akahu.
- 03
Hold on trust
The money sits in wlbr’s dedicated BNZ NZD client trust account, visible and committed but not yet paid out.
- 04
Approve the work
The provider completes the work and the client approves the agreed release.
- 05
Release in NZD
wlbr releases the payment to the provider’s verified New Zealand bank account.
Behind the rail
The payment path.
Buyer bank
Authorised in internet banking
Akahu
Bank-to-bank open banking
BNZ trust account
Dedicated NZD client funds
Defined outcome
Released, refunded, or frozen
Refunded
If the job does not proceed, the money returns to the client’s bank.
Frozen
If there is a dispute, the affected release pauses until resolution.
When someone objects
The dispute path, step by step
Work submitted
Provider marks the job done
Client reviews
Against the agreed scope
Approved - released
Paid out to the provider
If the client raises a concern instead…
Dispute opened
Funds freeze on trust
Evidence both sides
Photos, messages, scope
Resolution
Released, refunded, or split
Ready to protect a payment?
Send a payment link, estimate a job, or post work to the marketplace.