Programmable escrow
for modern business

PayNola enables businesses, marketplaces, governments and banks to securely hold funds and automatically release payments once verified conditions have been fulfilled.

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iOS & Android apps Enterprise dashboard REST API & webhooks
Escrow #PN-40128 Active
Buyer funds escrow
SAR 1,250,000
Funds held in escrow
Ring-fenced account
Conditions verified
Delivery note #4821
Automatic payment
Released in 1.2s
Settlement
SAR 1,250,000.00
Auto-released

Built for regulators, banks, technology partners and enterprises

Saudi Central Bank ready
Tier-1 Banks
Fintech Saudi
ERP Partners
Marketplaces
Government Entities
How it works

Five steps from agreement to settlement

01

Create Escrow

Open an escrow in the dashboard or via a single API call. Define parties, amount and currency.

02

Fund Escrow

The buyer funds a ring-fenced virtual account. Funds are held, never touched by either party.

03

Define Conditions

Milestones, delivery notes, POs, invoices, acceptance certificates or time-based terms.

04

Third-party Verification

Engineering offices, inspectors, logistics or ERP systems confirm the condition digitally.

05

Automatic Payment

The moment conditions are satisfied, funds settle to the beneficiary — with a full audit trail.

Use cases

One escrow engine.
Every conditional payment.

From a single delivery to a multi-year construction programme — PayNola models the conditions your business already runs on.

Goods Delivery Payment Guarantee

Payment released only after verified delivery — no more advance-payment risk.

BuyerSupplier

Trade on Credit

Guaranteed payment after 30 / 60 / 90 days, backed by held funds.

MarketplaceSupplierBuyer

Real Estate Development

Milestone-based payments confirmed by the supervising engineering office.

DeveloperContractorEngineering Office

Construction Payments

Automatic milestone settlement down the full subcontractor chain.

EmployerContractorSubcontractor

Marketplace Escrow

Hold buyer funds and pay sellers automatically after delivery confirmation.

BuyerMarketplaceSeller

Professional Services Escrow

Release on milestone acceptance instead of chasing invoices.

ConsultingSoftwareLegal

Procurement Escrow

Payment linked to PO, invoice, goods receipt and acceptance certificate.

CorporateGovernment

API Embedded Escrow

Embed conditional payments natively inside your own product.

BanksERPFintechsDevelopers
Why PayNola

Escrow, rebuilt as infrastructure

Traditional escrow

  • Paper documents
  • Manual processing
  • Bank visits
  • Slow settlement
  • No visibility
  • Multiple intermediaries

PayNola

  • Fully digital
  • API-first
  • Real-time
  • Conditional logic
  • Automatic release
  • Transparent audit trail
Mobile app

Programmable escrow,
available anywhere.

Native iOS and Android apps give every party visibility into escrows, conditions and settlements with biometric approvals and instant notifications.

Wallet & virtual accounts
Escrows on the go
Real-time notifications
One-tap approvals
QR pay & request
Dark and light mode
Download on the App Store Coming soon
Get it on Google Play Coming soon
PayNola Mobile App
Enterprise platform

A control room for conditional money

Escrow Management

Create, monitor and reconcile every escrow in one ledger.

Payment Guarantees

Issue digital guarantees backed by ring-fenced funds.

Conditional Payments

Rule builder for milestones, documents and time windows.

Role Management

Granular maker–checker roles across entities and branches.

Audit Logs

Immutable, exportable trail for every action and approval.

Virtual Accounts

Dedicated IBAN-level accounts per escrow or counterparty.

Approvals

Multi-level approval chains with delegation and SLAs.

Reporting & Analytics

Exposure, ageing, release velocity and settlement analytics.

API platform

Escrow in a single API call

REST endpoints, signed webhooks, SDKs and a full sandbox. Banks, ERPs, marketplaces and fintechs embed PayNola escrow directly into their own flows.

REST JSON Webhooks SDKs Sandbox Docs
Request API access Talk to an engineer
curl https://api.paynola.com/v1/escrows \ -H "Authorization: Bearer sk_live_..." \ -d amount=1250000 \ -d currency=SAR \ -d buyer=cus_8Kd1 \ -d beneficiary=acct_92Fa \ -d "conditions[0][type]=delivery_note" \ -d "conditions[0][verifier]=insp_4102"
{ "id": "esc_40128", "status": "released", "amount": 1250000, "currency": "SAR", "released_at": "2026-07-30T09:14:22Z", "conditions": [ { "type": "delivery_note", "met": true }, { "type": "acceptance_certificate", "met": true } ] }
POST /your-endpoint { "event": "escrow.conditions.met", "data": { "escrow": "esc_40128", "verifier": "insp_4102", "settlement": "instant" } }
Security & compliance

Trust is the product

Escrow controls, role-based permissions and ISO-aligned processes protect every riyal held on the platform.

Saudi regulations

Built to align with local escrow and payment regulation.

KYC & AML

Automated onboarding screening and ongoing monitoring.

Encryption

TLS 1.3 in transit, AES-256 at rest, key rotation.

Audit trail

Immutable event log for every condition and release.

Multi-factor auth

Biometric and hardware-key authentication.

API security

Scoped keys, signed webhooks, IP allow-lists.

Industries

Wherever payment depends on a condition

Construction
Real Estate
Manufacturing
Healthcare
Government
Energy
Marketplaces
Wholesale
Retail
Logistics
Professional Services
Financial Institutions
Customers

Enterprises settling faster

We cut contractor payment disputes to almost zero. Milestones are verified once and money moves the same second.
Faisal Al-Harbi
CFO, National Contracting Group
-92% payment disputes
PayNola let us launch escrow on our marketplace in three weeks instead of a two-year banking project.
Layla Al-Otaibi
Head of Product, B2B Marketplace
3 weeks to launch
The audit trail is what won our risk committee over. Every release is provable end to end.
Omar Nasser
Director of Risk, Regional Bank
100% auditable releases
FAQ

Questions, answered

Still curious? Our team walks you through a live escrow in 20 minutes.

A buyer funds a ring-fenced account, release conditions are defined up front, and PayNola settles to the beneficiary automatically the moment those conditions are verified.
Neither the buyer nor the seller. Funds sit in a segregated escrow structure and can only move according to the conditions agreed at the start.
Yes. Banks embed PayNola through the API or white-label the escrow engine inside their own corporate banking channels.
Marketplaces use embedded escrow to hold buyer funds and pay sellers automatically after delivery or acceptance.
Through verified triggers: delivery notes, inspection reports, acceptance certificates, ERP events, API calls or time-based terms.
PayNola operates within the Saudi regulatory framework for payments and escrow, with full KYC, AML and audit controls.

Ready to modernize escrow?

Join the businesses, banks and government entities building conditional payments on PayNola.

Book a Demo Contact Sales