A buyer says "how do I know you won't scam me?" You send them an OKO-TO link. They pay safely. You ship. Funds release when delivery is confirmed.
Free to join. No card required.
Sending money to a vendor you found on Instagram, with no receipt and no way back if things go wrong, is still how most online shopping works in Nigeria.
Good vendors lose buyers every day because there is no way to tell them apart from scammers. No trust layer means hesitation wins and the sale is gone.
The DM-to-transfer pipeline is fast but it breaks easily. One bad experience spreads, and everyone pays the price. Including the sellers who always deliver.
OKO-TO sits between the chat and the transfer. Both sides are covered the whole way through.
Enter the item, price, and delivery terms. A protected payment link is ready in seconds. Share it straight into WhatsApp or Instagram.
The buyer opens the link, sees the agreed terms, and pays. The seller is notified immediately. No app needed for either side.
The seller ships knowing the payment is confirmed and secured. The buyer knows exactly what was agreed before anything moves.
Once the item arrives, the buyer confirms. If there is a problem, they raise a dispute instead. Both options are clear and structured.
Funds are released to the seller as soon as delivery is confirmed. Fast, clear, and fully recorded.
Trust products only work when the rules are spelled out. Here is exactly what happens at every stage.
When the buyer pays, the funds are temporarily held. The seller is notified straight away. Nothing moves until the next step is completed.
After the seller ships, the buyer has a set window to confirm delivery or raise a dispute. The length of this window is agreed when the link is created.
If the buyer does not confirm or dispute within the review window after delivery, the funds are automatically released to the seller. Sellers are not left waiting indefinitely.
Accepted proof includes: dispatch receipt, waybill, tracking number, rider confirmation, or a delivery photo. The more a seller documents, the stronger their position.
Neither side has an automatic advantage. The decision follows the evidence.
OKO-TO generates a digital record for every transaction. No more relying on screenshot threads as your only proof of what was agreed.
When a buyer says "I dey fear send money," that sale is gone. OKO-TO gives you a link that answers that fear before they even ask. Close more DM orders with a protected checkout link.
Your payment is protected until delivery is confirmed. If something goes wrong, there is a clear way to resolve it.
Your payment is protected until you confirm you got what you ordered. The seller does not receive the funds before that happens.
Every payment link shows the item, price, and delivery window before you put in a kobo. Nothing is hidden and nothing changes after you pay.
Wrong item? Nothing arrived? You can raise a dispute and get a fair review. Not just a blocked contact and silence.
Every OKO-TO payment generates a digital record. No more using screenshot threads as your only proof that you paid.
OKO-TO is not a global payment platform squeezed into a Nigerian context. It was built from scratch for trade that happens over WhatsApp threads, Instagram DMs, and story replies.
Have questions? Read the FAQPayments go through regulated infrastructure. Your money is handled properly, with a clear record at every step.
The terms for releasing funds are set when the payment link is created. No surprises and no moving goalposts after payment.
When a dispute is raised, both the buyer and seller are heard. Nobody gets ignored or left without a path forward.
We understand fashion vendors, hair sellers, gadget resellers, and thrift curators. That is exactly who we are building for.
If you sell on WhatsApp or Instagram, OKO-TO was built for you.
Ankara sets, ready-to-wear, Aso-oke. Sell from your page without buyers hesitating over payment.
Wigs, extensions, skincare, makeup. High-value orders need protection on both sides.
Authentics, grades, imports. A protected link tells buyers the product is exactly what you say it is.
Phones, earbuds, accessories. Buyers need confidence before sending a large amount for something they have not held.
UK-used, America-used, curated pieces. Convert followers who love your picks but pause at the payment step.
We are onboarding sellers first. Join the waitlist and get early access, setup support, and zero platform fees for your first month.