“Just transfer so I can bring it” is the most common line in Nigerian used-goods scams. A bank transfer settles immediately. Held payment on Zweka does not: funds stay with the payment flow until you confirm the item, or until a dispute is resolved.
Bank transfer risks
- No platform freeze if the phone never arrives.
- Hard to reverse once the alert posts.
- Sellers who refuse in-app payment often have a reason.
What Zweka does differently
You pay through checkout. The seller is motivated to deliver. You inspect, then confirm. Details: how Zweka holds your payment. Policies: billing, returns, disputes.
When a transfer might still be fine
Tiny amounts between people you already trust offline. Not for strangers. Not for flagship phones. Not because “courier wants cash in their personal Opay.”
Buyer playbook
Sellers: explain held payment upfront — it closes more serious buyers. How to sell step by step · Sell.
Bottom line
If the amount would hurt to lose, do not bank-transfer a stranger. Use Zweka checkout, or walk away. More context in How it works and Help.
