What is the Token Hold System in EscaraPay?

The Token Hold System locks buyer payments in EscaraPay's secure protected vault until delivery is confirmed. Neither the buyer nor the seller can access the funds until the agreed conditions are met — successful delivery, fraud seller refund, or RTO compensation.

How do I protect COD orders on WooCommerce with EscaraPay?

EscaraPay integrates with WooCommerce via webhooks or Zapier. Go to your EscaraPay dashboard → Integration tab → generate your API key → follow the WooCommerce setup instructions. Every COD order will automatically trigger a token payment request to the buyer.

What is the EscaraPay checkout SDK?

EscaraPay's checkout SDK (escara.js) is a one-line JavaScript snippet that you add to any website. It automatically displays a trust badge near your checkout button saying 'COD Orders Secured by EscaraPay', detects COD orders, and sends the order data to EscaraPay automatically. Works on Shopify, Wix, WooCommerce, and any custom HTML website.

India's Trusted Payment Protection Platform

Stop RTO Losses & Protect Every WhatsApp Deal

Escara Pay ensures secure online transactions by protecting both buyers and sellers. We hold payments safely until the product is delivered — eliminating fraud and RTO losses for WhatsApp & Instagram sellers across India.

HOW IT WORKS

How Escara Pay Works?

A simple 6-step process to secure every WhatsApp and Instagram transaction

STEP 01

📝

Register & Agree

Both buyer and seller sign up on EscaraPay and agree on price and terms of the deal.

STEP 02

🔗

Generate Payment Link

The Seller creates a secure Escara Pay order link directly from their dashboard in under 2 minutes.

STEP 03

💬

Share via WhatsApp

The secure payment link is sent instantly to the Buyer via WhatsApp or Instagram for quick access.

STEP 04

🔐

Secure Token Deposit

The Buyer opens the link and pays a minimum ₹200 token into EscaraPay's secure protected vault — safely held until delivery.

STEP 05

🚚

Ship & Track

The Seller ships the product and provides tracking details. Both parties can monitor the delivery status.

STEP 06

✅

Confirm & Release Payment

Once the Buyer approves the delivery, Escara Pay releases the full payment to the Seller instantly.

WHY CHOOSE

Why Choose Escara Pay?

Trade with Confidence & Grow Without Risk — India's best payment protection for online sellers

🛡️

Zero Fraud Risk

Eliminate the fear of 'payment-not-received' or 'item-not-shipped' scams from WhatsApp and Instagram transactions.

📦

Guaranteed RTO Protection

Escara Pay discourages fake orders and protects your shipping margins from Return to Origin losses.

⚡

2-Minute Rapid Setup

Our streamlined onboarding lets you create your first secure payment link in just 2 minutes — no technical skills needed.

💬

WhatsApp-Native Experience

Create, share, and track your protected payment orders directly within WhatsApp and Instagram.

🔒

Cashfree-Powered Security

Cashfree's RBI-compliant, PCI DSS certified infrastructure ensures every payment is encrypted and 100% secure.

⚖️

Expert Dispute Resolution

Our mediators review evidence and provide a fast, fair resolution within 24 hours for all disputes.

TOKEN HOLD SYSTEM

Your Money is Safe. Always.

EscaraPay's token-based protection ensures fair outcomes in every scenario

🔒

Funds Securely Held

All buyer payments are locked in EscaraPay's secure protected vault — inaccessible to either party until delivery conditions are confirmed.

✅

Released After Delivery Approval

Payment is only released to the Seller after the Buyer confirms successful delivery. No disputes, no delays, no fraud.

⚠️

Dispute Protection Within 7 Days

Raise a dispute within 7 days of delivery. Our expert mediators review evidence and ensure a fair, fast resolution for both parties.

Token Release Conditions

🎉

Condition 1: Successful Delivery

Buyer received the item and is satisfied. Token is released to the Seller as payment for the delivered product.

🚨

Condition 2: Fraud Seller

Seller failed to ship or turned out to be fraudulent — Buyer raised a dispute. Full token refund goes back to the Buyer.

📦

Condition 3: Buyer RTO Cancellation

Seller already shipped but Buyer cancelled mid-way causing an RTO. Token is transferred to Seller as RTO compensation.

ECOMMERCE INTEGRATION

Connect Your Online Store

Shopify, Wix, WooCommerce ya koi bhi website — ek line ka code add karo aur sab COD orders automatically protect ho jayenge.

🛒

Buyer COD Order Karta Hai

Buyer aapke Shopify ya Wix store pe COD select karta hai aur order place karta hai.

⚡

EscaraPay Auto-Protect

Order automatically EscaraPay dashboard mein create hota hai. Buyer ko turant token payment email jaata hai.

🚀

Dispatch Confidently

Token pay hone ke baad hi dispatch karo. RTO ka darr khatam. Genuine buyers hi order confirm karenge.

Works with — Shopify · Wix · WooCommerce · Custom HTML · Any Platform

<script src="https://escarapay.in/sdk/escara.js" data-seller-id="YOUR_ID"></script>

FAQ

Frequently Asked Questions

Everything you need to know about EscaraPay's payment protection system

What is the minimum token amount on EscaraPay?

The minimum token is ₹200. It is a percentage of the order value that is held securely in our protected vault until delivery is confirmed.

What if the seller doesn't ship the item?

If the seller fails to ship within the agreed time, the full token amount is automatically refunded to the buyer. No questions asked.

When does the seller receive the token payment?

The payment is released to the seller within 7 days of delivery confirmation, or immediately when the buyer manually confirms receipt.

Is EscaraPay RBI compliant and secure?

EscaraPay processes payments via Cashfree, which is fully RBI-compliant and PCI DSS Level 1 certified, ensuring maximum security for every transaction in India.

How do I raise a dispute on EscaraPay?

Within 7 days of delivery, go to your dashboard and click 'Raise Dispute'. Our team will investigate and respond within 24 hours with a fair, evidence-based resolution.

Are there any hidden charges on EscaraPay?

No hidden charges. Only a 2% Cashfree gateway fee is applied, which is shown transparently at the time of payment. No monthly fees, no setup fees.

How does EscaraPay protect WhatsApp sellers from RTO losses?

EscaraPay requires buyers to pay a minimum ₹200 token before the seller ships the product. If the buyer cancels after dispatch causing an RTO, this token amount is transferred to the seller as compensation, covering shipping and handling costs.

Does EscaraPay work with Shopify stores?

Yes! EscaraPay integrates directly with Shopify. Add your webhook URL in Shopify Admin → Settings → Notifications → Webhooks. Every COD order will automatically create a token payment request for the buyer — no manual work needed.

Can I use EscaraPay on my Wix website?

Yes! Add one line of code in Wix Settings → Custom Code. A trust badge will appear on your checkout and all COD orders will be auto-protected. Works on Business plan and above.

Can Instagram and WhatsApp sellers use EscaraPay?

Yes! EscaraPay is specifically designed for WhatsApp and Instagram sellers in India. Create a secure payment link, share it directly via WhatsApp chat or Instagram DM, and protect every transaction from fraud and RTO.