Built to protect every cedi.
Escrow-held funds, verified identities, AI fraud monitoring and a complete audit trail — Benmort Pay is engineered so both sides can transact without fear.
Six layers of protection
Your money is protected at every step
Identity & KYC verified
Every party is KYC-checked. High-value (>$5,000) and enterprise transactions require enhanced KYC on both sides.
Funds held in escrow
Money is protected in escrow and released only on your milestone approval — never before.
AI fraud monitoring
Off-platform payment requests and escrow-avoidance attempts are detected, masked and flagged.
Full audit trail
Time-stamped evidence for every event: funded, approved, released, disputed, refunded.
Dispute-gated releases
Disputed funds never move without a resolved outcome, governed by two-step admin approval.
Non-circumvention
Commercial terms are enforced so both sides stay protected within the platform.
Know who you're paying
Layered identity verification
Trust starts with knowing every party is real and cleared to transact.
Standard KYC
Email, phone and government ID verification for every account before it can transact.
Enhanced KYC
Additional director and business verification for high-value and enterprise transactions.
Credential checks
Licence and compliance clearance for regulated categories before matching.
Always watching
Fraud stopped before it starts
External payment requests (bank details, mobile-money numbers, payment links) are masked and Trust & Safety is notified.
Escrow-avoidance attempts flag the account for mandatory review before the next project can activate.
Every transaction feeds an Escrow-Compliance score that measures whether escrow was funded before work began.
Transact without fear
Protected escrow, verified identities and a full audit trail on every transaction.
Where does my money actually sit?
In a protected escrow balance tied to your project. It's visible to both parties, released only on approval, and every movement is recorded in the audit trail.
How do you stop off-platform scams?
AI content monitoring detects payment details and solicitation in messages, masks them, and flags the account. Escrow-avoidance triggers a mandatory review before any new project activates.
What happens to funds in a dispute?
They stay in escrow. Releases are gated behind a resolved dispute outcome and a two-step admin approval (prepared by Payments, confirmed by Finance) — so nothing moves prematurely.
Is my identity information protected?
Yes — KYC data is handled under the platform's data-protection and confidentiality policies, and used only for verification and compliance.