---
title: "Xedla: Escrow Payments, Virtual Cards and Bills"
description: "Nigeria escrow for online deals; funds held until both confirm. In-app chat, transfer, buy airtime/data, pay bills, spend with USD Visa/Mastercard."
canonical_url: "https://liners.com/xedla"
markdown_url: "https://liners.com/xedla.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/xedla/screenshot.webp?v=1772797263343"
published_at: "2026-03-06T12:22:55.826Z"
updated_at: "2026-10-07T18:42:15.491Z"
---

# Xedla: Escrow Payments, Virtual Cards and Bills

Nigeria escrow for online deals; funds held until both confirm. In-app chat, transfer, buy airtime/data, pay bills, spend with USD Visa/Mastercard.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Xedla](/xedla)

## Summary

Escrow payments that help buyers and sellers transact safely

A mobile payment app for individuals and businesses in Nigeria that offers escrow for online deals, transfers, virtual USD cards, airtime, and bill payments.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.xedla.com/ |
| Tagline | Escrow payments that help buyers and sellers transact safely |
| Primary country | Nigeria |
| Platforms | Web, API, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Xedla is a mobile payment platform for individuals and small businesses that helps buyers and sellers complete online transactions safely using **escrow** and everyday payment tools.

Key capabilities include:

- **Escrow payments for online transactions**, holding funds until both parties confirm satisfaction, with **live chat** to communicate during the deal
- **Transfers and everyday payments**, including bank-to-bank transfers, airtime and data top-ups, and utility or bill payments
- **Virtual USD cards** (Visa and Mastercard) for international online purchases
- **Instant account opening with BVN**, plus features like **cashback**, and support for **Plugin/SDK and API** integrations

Available on mobile via **Web**, **Android** and **IOS**.

Target users include **students, freelancers, online buyers and sellers**, plus businesses that need to collect and send payments.

It is notable in the Nigerian market for focusing on **trust in e-commerce payments** through escrow and for partnerships referenced for key services, including **VFD Microfinance Bank** (transfers) and **Maplerad** (virtual cards).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Escrow](/tags/escrow): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/xedla/alternatives)
- [Reviews](/xedla/reviews)
- [Transparency](/xedla/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/xedla)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)