---
title: "Zemi: Escrow Payments in Kenya"
description: "Create checkout links in Kenya, take M-PESA payments, hold funds until delivery is confirmed, then get instant payout via M-PESA/bank transfer."
canonical_url: "https://liners.com/zemi"
markdown_url: "https://liners.com/zemi.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/zemiafrica/screenshot.webp?v=1772988522345"
published_at: "2026-03-08T22:50:25.860Z"
updated_at: "2026-10-02T03:00:36.401Z"
---

# Zemi: Escrow Payments in Kenya

Create checkout links in Kenya, take M-PESA payments, hold funds until delivery is confirmed, then get instant payout via M-PESA/bank transfer.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Zemi](/zemi)

## Summary

Hold payments until delivery to buy and sell safely

A marketplace tool for Kenyan social commerce sellers and buyers to create checkout links, accept M-PESA payments, confirm delivery, and resolve disputes.

## Product details

| Field | Value |
| --- | --- |
| Website | https://zemiafrica.com/ |
| Tagline | Hold payments until delivery to buy and sell safely |
| Primary country | Kenya |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | Yes |

## About the product

Zemi is a web-based trust and payment protection platform for Kenyan social commerce sellers and individual buyers, designed to make online transactions safer by holding funds until delivery is confirmed.

Key capabilities include:
- **Checkout links and order pages**: Sellers create a payment link with **product details and price**, then share it anywhere they sell online (social media, messaging apps, or websites).
- **Protected payments with release on confirmation**: Buyers pay through the link, and the **payment is held securely** until the buyer confirms receipt, then funds release to the seller.
- **Instant payouts**: Sellers receive money immediately after confirmation via **M-PESA or bank transfer**.
- **Dispute resolution and refunds**: The platform supports **dispute handling** and **easy refunds** when an order is not received and a claim is reviewed.

Available on **Web**.

Targeted at **small sellers** and **individual buyers** doing day-to-day and high-value transactions through social commerce in Kenya.

Notable in the Kenyan market context for integrating local rails like **M-PESA** and coordinating verified deliveries with partners such as **Pickup MTAANI**, while adding seller trust signals (including **verification badges**, ratings, and transaction history) to reduce fraud and payment risk.

## Features

- [Fintech](/categories/fintech): Category
- [Escrow](/tags/escrow): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [Social Commerce](/tags/social-commerce): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

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

## Access and citation

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