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How protection works

You pay Bizlinka, not the seller.

When you buy a product or book a service through Bizlinka checkout, we hold the payment. The seller is paid when you confirm it arrived, or when the release period ends. If something goes wrong first, the money waits while we look into it.

Example order
Ankara Wrap DressAdaeze Fashion House · Surulere₦28,500
  1. Paid at checkoutCard · 14 Oct, 10:42
  2. Held by Bizlinka (current step)Waiting for the seller to ship
  3. ShippedSeller adds the courier or waybill reference
  4. Released to sellerWhen you confirm it arrived

Held in escrow. The seller can see the order but can’t be paid for it yet.

Follow your money

Four stops, and you decide the last one

An order from several shops is split into one part per seller. Each part moves on its own, so one late seller never holds up the others.

  1. You pay at checkout

    Card, bank transfer or USSD through Paystack, in naira. Your money goes to Bizlinka, not to the seller’s account.

    Paid

  2. Bizlinka holds it

    Your payment sits in escrow. The seller sees the order and gets to work, but can’t be paid for it yet.

    Held in escrow

  3. The seller ships

    They mark it shipped with proof, such as a courier or waybill reference, or ready for pickup. You see it in your order.

    Shipped

  4. You confirm, they’re paid

    Tell us it arrived and that seller’s part is released, but never sooner than 72 hours after you paid.

    Released to seller

The four numbers that move your money

Nobody at Bizlinka decides these case by case. They are the same for every order paid through checkout.

Earliest a seller can be paid
72hours
Even if you confirm straight away, the money stays held for at least 72 hours after payment.
Then it releases on its own
7days
If you neither confirm nor dispute, it’s released at the next weekly payout run once 7 days have passed since shipping.
Unshipped orders cancel
2business days
After a missed ship-by date, an order that still hasn’t shipped is cancelled with a full refund.
Silence gets escalated
48hours
A cancellation request the seller doesn’t answer goes to our disputes team automatically.
If you don’t confirm or dispute: the seller is paid at the next weekly payout run once 7 days have passed since they marked the order shipped or ready for pickup. That’s 7 to 13 days after shipping.
  • Seller ships with proof
  • Held: you can confirm or raise a dispute
  • Released at the next weekly payout run
If something goes wrong

The money waits. A person decides.

You can raise a problem any time before that seller has been paid. Once the money is released or refunded, it can no longer be disputed.

The seller hasn’t shipped

  1. Every seller part has a ship-by date, shown in your order.
  2. Once it passes, you can cancel that part for a full refund.
  3. Still not shipped two business days later? It’s cancelled and refunded automatically. An order that never ships is never paid out.
  4. Asked the seller to cancel and heard nothing in 48 hours? Your request goes to our disputes team on its own.

It arrived wrong, or not at all

Dashboard → My orders → Raise dispute
  1. Day 1You raise itChoose the whole order or one seller, a reason, and what happened.
  2. Straight awayMoney stays heldThat seller can’t be paid while the dispute is open.
  3. ReviewWe hear both sidesPhotos, messages and proof of shipment from you and the seller.
  4. DecisionMoney moves onceDecided within 10 business days. You see each stage in your order.
Reasons you can choose
  • Item not delivered
  • Wrong item received
  • Quality issue
  • Communication issue
  • Other
Describe what happened in a few sentences, then add photos and messages when we ask.
Three possible outcomes
  • Refund to you to the card or account you paid with where possible, otherwise to your Bizlinka wallet.
  • Paid to the seller when the evidence shows the order was delivered as listed.
  • A split when part of the order arrived or the seller offers a partial refund.

This is not a bank chargeback, and we don’t guarantee a particular outcome. One dispute per order. For a service, use Dashboard → Jobs → Raise a claim: the whole service payment is held the same way.

What is and isn’t covered

Protection has edges. Here they are.

Protected by Bizlinka

  • Products bought through Bizlinka checkoutFrom payment until you confirm, or the release period ends.
  • Services booked and paid on BizlinkaThe job payment is held; raise a claim from Dashboard → Jobs.
  • Each seller in a multi-shop orderEvery seller’s part is held, released or refunded separately.
  • Event tickets bought on BizlinkaHeld until the event has ended, plus 48 hours. Refunded if it’s cancelled.

Not covered

  • Payments made outside BizlinkaDirect bank transfers, cash, or deals arranged on WhatsApp.
  • Money already releasedAfter you confirm, or the release period ends, it can no longer be disputed. Contact support instead.
  • Returns by defaultReturn policies vary by seller. Check the listing before you buy.
About event ticketsTickets are protected too, in a simpler way: there’s nothing to confirm, so the event itself is the check. Your ticket is issued straight after payment, and Bizlinka holds the money until the event has ended, plus 48 hours. Only then is the organiser paid. If the event is cancelled, Bizlinka voids the tickets and refunds every buyer.

Before you buy, and after

Verified business

What a badge means

A label states what Bizlinka checked, such as identity or business details. It is not a guarantee of product quality or delivery, so read the listing, ratings and buyer reviews too.

Report something

Sign in and use Report on a business profile or a product, service or event. A person reviews every report. Reporting doesn’t remove a listing straight away.

Urgent safety concern? Email support@bizlinka.com and choose “Report a problem or a user”.

Keep your account yours

Use a strong password you don’t use anywhere else, and never share it or a verification code. Bizlinka will never ask for your password by email or phone.

Keep the deal on Bizlinka. Orders arranged and paid on WhatsApp or by direct transfer aren’t protected.

Shop where the money waits for you.

Still have a question? The Help Centre has the details, or write to support@bizlinka.com.

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