WePayGuardHow it works
From handshake to payout, one step at a time.
A protected payment moves through a fixed sequence. Both parties see the same status, the same deadlines and the same record.
Agree the deal
One party creates the transaction, finds the other by their public @handle, and sets the amount, the item and the delivery method — courier or in-person.
Both sides accept the terms
Before funding, the buyer and seller each review the Protected Payment terms, including the non-delivery-only scope, and check an explicit acknowledgement.
Buyer funds the transaction
The payment is taken and held by WePayGuard. The seller can see the money is confirmed, but cannot touch it.
Seller ships against a deadline
The fulfillment deadline comes from WePayGuard's published Protected Payment policy; the seller accepts it with the terms. Courier deals require carrier, tracking number and shipping proof; in-person handoffs require a photo.
Delivery is confirmed
The buyer accepts delivery, which releases the funds. If the buyer does nothing, the inspection window expires and the funds release automatically to the seller.
Receipt is issued
Both sides keep a receipt of the completed transaction, exportable as a PDF, plus the full activity history.
When the deadline is missed
- The seller may request one extension.
- The buyer can approve it or ask for a refund.
- If the seller misses the deadline and the buyer response window expires, the buyer is refunded automatically.
When the package never arrives
- The buyer opens a non-delivery dispute. The held money stays frozen.
- Both parties submit a structured response and evidence — tracking, delivery confirmation, photos.
- Once both have responded, negotiation opens and either side can propose a split the other can accept.
- If no settlement is reached, a fixed rule decides the outcome at the deadline. There is no routine human review in this version.
WePayGuard is in private beta on Android.