Cameroon's escrow payment service
Pay safely. Get paid fully.
Fonlok holds the money until both buyer and seller are satisfied. Stop losing money to online scams. Start every deal with confidence.
69+
Deals completed
7K XAF
Secured
Create your account and start using Fonlok at no cost. No credit card, no setup fee — just sign up and go.
Sellers pay a flat 3% only when a transaction completes. Buyers always pay nothing.
Pay and receive via MTN Mobile Money or Orange Money — works on any phone in Cameroon.
Simple. Safe. Straightforward.
Three steps is all it takes to do a safe deal on Fonlok.
Seller creates an invoice
Takes 2 minutes. Log in, enter your email, the amount, and a description of what you are selling. Fonlok generates a unique payment link instantly.
Buyer pays securely
Share the payment link with your client. They open it and pay using MTN Mobile Money or Orange Money. Fonlok holds the funds safely in escrow.
Both sides confirm
Deliver what was agreed. The buyer confirms receipt and Fonlok releases the money straight to the seller. Everyone wins.
Why people choose Fonlok
Built specifically for the way people pay and sell in Cameroon.
One simple fee
No monthly plans. No setup cost. Just 3% when you use it.
3%
per escrow transaction
- ✓Free for buyers — Fonlok charges buyers 0%
- ✓Free account creation
- ✓No monthly fee
- ✓MTN & Orange Money
- ✓Dispute resolution included
MTN and Orange Mobile Money network charges (typically 2%) are applied by the mobile network at the point of payment and are not collected by Fonlok.
Verified Reviews
Trusted by Real Users
Hundreds of buyers and sellers across Cameroon rely on Fonlok every day. If you've used our platform, share your experience and help others make confident decisions.
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For Marketplaces and Platforms
The escrow layer powering Cameroon's platforms
Fonlok provides a complete payment and escrow API that any marketplace or e-commerce platform can integrate in hours. Seller payouts go directly to their Mobile Money number — no Fonlok account required on either side.
A flat 2% platform fee is deducted at payout. Buyers pay nothing extra. Full integration takes less than a day with our documented REST API.
Funds held until delivery is confirmed
Buyers pay upfront. Fonlok holds the funds in escrow and releases them only after the buyer confirms receipt — or a dispute is resolved.
Direct MoMo payout to any seller
Pass the seller's phone number with each order. When funds are released, Fonlok disburses instantly via MTN or Orange Mobile Money. No seller account needed.
Automatic email receipts at every step
Fonlok sends branded confirmations to the buyer and payout receipts to the seller automatically. You manage the order; Fonlok handles the financial paper trail.
Signed webhooks for real-time order state
Receive HMAC-signed notifications when a payment is confirmed, released, or disputed — so your platform always reflects the true state of every transaction.
Powered by Fonlok
Platforms that trust Fonlok
When you shop on a Fonlok-powered marketplace, your payment is held securely in escrow and released to the seller only after you confirm delivery.
Cameroon's peer-to-peer marketplace for new and second-hand goods. Every purchase on Njimbong is protected by Fonlok escrow — funds are held securely and released directly to the seller's Mobile Money number only after the buyer confirms receipt.
Neither buyers nor sellers need a Fonlok account to transact on Njimbong. The escrow service runs entirely in the background, providing protection for every order.
Running a marketplace or e-commerce platform?
Integrate Fonlok escrow and give your users the payment protection they need — with a single REST API call per order.
Ready to do business safely?
Join Cameroonians who use Fonlok to protect their money and complete deals with confidence.