Trust
How marketplace escrow works
Last updated: 1 July 2026
When you buy a listing that supports escrow, the seller does not receive your money until you confirm the item has arrived as described. Here is exactly how that flow works today.
This page is maintained by the BankerBro team. It reflects current app-visible controls and operator practices. It is not a legal certification or third-party audit. For questions, email hello@bankerbro.com.
The flow
- Payment. You pay through our regulated payment partner. Funds settle to a nodal/escrow account, not to the seller.
- Notification. The seller is told to ship. The status on your order page changes to “In escrow”.
- Delivery window. You have 3 days after delivery to confirm the item or raise a dispute.
- Release. If you confirm — or if you say nothing for 3 days — funds release to the seller net of fees.
- Dispute. If you raise a dispute, funds stay in escrow. Our team reviews the listing, delivery proof and photos and decides within 7 working days.
What escrow does NOT cover
- Off-platform payments (UPI directly to a seller, cash on delivery arranged privately).
- Digital-only products that were downloaded and consumed.
- Buyer's remorse — the item must be materially different from the listing, not just something you changed your mind about.
Fees
A small marketplace fee is deducted from the seller when escrow releases. There is no fee on the buyer for using escrow. Refunds are always net of any bank/payment-partner charges outside our control.
Payment partner
We use a licensed Indian payment aggregator to hold and settle escrow funds. We do not touch card numbers or bank credentials.