How PeacePay Empowers Buyers with Trust and Control
Online shopping in Egypt and MENA can feel like a gamble. With 85% of e-commerce orders still paid through cash on delivery, buyers worry about receiving damaged, fake, or completely wrong items. This fear keeps millions stuck in outdated payment methods, fueling inefficiencies and distrust in online commerce.
PeacePay changes that by giving buyers complete control of their money until they’re fully satisfied with their order. When placing an order, buyers top up their PeacePay wallet, but the funds are not released immediately. Instead, PeacePay’s Secure Payment Hold keeps their payment safe until the order arrives.
When the courier delivers the item, the buyer inspects it on the spot:
✅ If the item matches what they ordered, they enter a one-time OTP code and PeacePay instantly releases the payment to the merchant and courier.
✅ If the item is rejected, the buyer only pays the delivery fee and receives an immediate refund of the rest of the payment.
Benefits for buyers include:
✔️ Trust and control: Buyers decide when to release their money.
✔️ Instant refunds: No waiting days or weeks to get funds back.
✔️ Safer online shopping: By bridging the trust gap with merchants, buyers can shop online with confidence and peace of mind.
PeacePay’s unique approach empowers buyers, building the trust and security they need to shop online more often, and helping e-commerce grow in cash-first markets.
PeacePay’s Vision: Safer, Faster E-commerce for Egypt and Beyond
PeacePay was born from a simple idea: e-commerce can’t grow when trust is broken. In Egypt alone, 85% of e-commerce orders still rely on cash-on-delivery, leading to high return rates, fraud, and weeks-long settlement delays that choke businesses. Buyers don’t trust merchants, and merchants have to raise prices just to cover COD losses.
Our vision is to transform e-commerce in Egypt and across emerging markets with a Secure Payment Hold system that eliminates cash risks and creates instant, digital settlements. PeacePay empowers everyone involved:
✅ Merchants get paid instantly once the buyer accepts the delivery, improving cash flow and reducing costs.
✅ Buyers stay in control of their money, only releasing funds when they’re satisfied with their order.
✅ Couriers avoid carrying cash, cutting risks of theft or error.
Starting in Egypt’s $10 billion e-commerce market, we’re building PeacePay as a platform that can scale across MENA, Africa, and Asia, where billions of dollars in online transactions still happen in cash. By bridging the trust gap in cash-first markets, PeacePay aims to unlock financial inclusion, reduce prices, and create a safer, faster digital economy for millions.
Why Cash-on-Delivery is Costing Merchants More Than They Realize
For many merchants in Egypt and the MENA region, cash-on-delivery (COD) feels like the only way to reach customers. But while COD makes sales possible, it also comes with massive hidden costs that quietly eat into profits and stunt business growth.
High return rates: COD orders see rejection rates as high as 40%, leading to wasted inventory cycles, extra shipping costs, and lost sales opportunities.
Price inflation: Merchants often raise prices by 10–15% just to cover losses from failed deliveries and fraud. These higher prices make it harder to compete and reduce the value shoppers get.
Cash handling risks: Couriers and merchants face theft, human error, and fraud risks when dealing with physical cash — adding costs for security, insurance, and manual reconciliation.
Slow settlements: With COD, it can take weeks for money to reach merchants after deliveries, causing cash flow crunches and limiting the ability to reinvest in growth.
PeacePay solves these problems by:
✅ Allowing buyers to pre-authorize payment into a secure wallet, with funds released only when the buyer confirms the delivery with an OTP.
✅ Eliminating cash handling risks entirely.
✅ Reducing returns and fraud by committing buyers to the order.
✅ Providing instant settlement so merchants can reinvest quickly and grow faster.
With PeacePay, merchants can break free from the hidden costs of COD, reduce prices for buyers, and run more profitable, scalable e-commerce businesses.