How PayWithGuddy works

Sellers list legal goods and share product links. Buyers pay securely. Money releases only after delivery is confirmed.

1
Seller sets up Create a store, verify your NIN and ID (reviewed by our team), add a payout bank in the same name, list products, and share a link on WhatsApp or social media.
2
Buyer checks out One flat delivery fee covers everything in your cart from that seller (2 items or 10 - same fee). Pickup from the seller has no delivery fee. Any buyer protection fee is shown before you pay.
3
Payment is held You pay by bank transfer into a one-time Paystack account made for your order. The money is held, not sent to the seller, while the order is on its way.
4
Delivery PIN handshake The seller or their rider brings the order (or you pick it up). Check the item first, then give them the PIN from your order page.
5
Confirm and release Buyer confirms receipt (or the inspection window ends). Seller payout goes to their bank.
6
Dispute if needed If something is wrong, open a dispute and payout stays held until support resolves it.

What sellers can list

Open catalog - not fashion-only, not toys-only. Any product type is fine if it is legal to sell.

Allowed Physical goods, digital downloads where enabled, and lawful bundles - across any category the platform publishes. Describe items accurately and keep stock current.
Not allowed Illegal, counterfeit, stolen, hazardous without proper licences, or otherwise prohibited under Nigerian law. Listings that break the rules can be removed and accounts suspended.
One store per checkout Your cart can hold items from many stores, but each checkout pays one store so held payments and payouts stay clear.

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