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PayCux payment protection

Paid for, but
never delivered. Not here.

What the buyer pays doesn't go straight to the supplier. It waits, locked, in a PayCux held account; once delivery is confirmed it is released to the supplier. Both sides trade without carrying the risk.

Sign in with your accountHow it works
Funds are heldReleased on delivery confirmationProtected in a dispute
14:30
PayCux Wallet● payment held
PAYCUX WALLET
Available balance₺48,260
Currently held₺8,980
IBAN · PayCuxTR** 4471
2 active held paymentsReleased to the supplier on delivery confirmation
Ege Kahve ToptanHeld · #SP-4471
−₺3,670Held
Pool refundRequest not approved
+₺1,240Completed
The problem

The expensive part of B2B trade is mistrust

Buying from a supplier you don't know, or selling on terms to a business you don't know, is risky. That risk turns into price, collateral and chasing costs. Holding the payment removes the risk and erases the cost with it.

Buyer's riskI pay up front — what if nothing arrives?Once payment is made the buyer has no leverage left. Delays and short deliveries turn into phone calls and legal risk.
Seller's riskI produce it — what if the payment never comes?Selling on terms locks up capital. When collection slips, the supply plan and the cash flow break together.
Shared outcomeNobody wants to move firstEach side waits for the other. Most potential trade ends right there, before it starts.
How it works

The journey of the money

The amount leaves the buyer's account, but it takes a confirmed delivery to reach the seller.

The buyer approves the quoteThe amount is charged from the buyer's PayCux balance or bank account. An order number is created.Not with the buyer
It locks in the held accountThe supplier sees in the app that payment has been made and starts supplying. Nobody can touch the funds at this stage.Funds are held
Delivery is confirmedThe shipment is tracked in the app. When the goods arrive the buyer confirms delivery; if there is an objection the process stops.Still held
It is released to the supplierThe hold is lifted and the amount reaches the supplier's account. The e-invoice is issued and lands in both parties' archives.With the supplier
Disputes

If things go wrong, the hold isn't lifted

If nothing was delivered, the delivery was short, or the goods don't match the order, the buyer doesn't confirm. The hold is never released automatically; the funds stay locked until the parties agree.

  • The buyer records the objection in the app
  • Chat, quote and shipping history stand as evidence
  • If no resolution is reached the amount is refunded to the buyer
  • Dispute history feeds into the supplier's score
Payment locked#SP-4471 · objection on record
StatusDelivery not confirmed
AmountWaiting, held
Transfer to supplierStopped
No transfer happens until a resolution is reached
Guarantees

What each side gets in writing

For the buyer

  • Payment never reaches the seller before the goods reach you
  • Delivery confirmation is entirely in the buyer's hands
  • If nothing arrives, the amount is refunded
  • Supplier verification and scores are transparent

For the seller

  • You see the payment before you start producing
  • Collection risk and chasing payment terms disappear
  • Release is automatic once delivery is confirmed
  • Payment history is on record, reconciliation is easy

Leave trust to the system, not the contract

Sign in with your account and complete your first transaction with a held payment. Trade without having to know the other side.

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