How are funds held?
The money journey from payment to release or refund — step by step.
Flow
Five clear steps
1
Create transaction
Product, amount, commission, and seller net are set.
2
Payment
Buyer pays; funds enter held status.
3
Delivery
Seller delivers and uploads proof in the transaction.
4
Confirmation
Buyer confirms — or opens a dispute if needed.
5
Release
Funds go to the seller or are refunded per the decision.
Held balance
Cannot be withdrawn or reused while held.
Available balance
Can be used for new deals or withdrawal requests.
After a dispute
Freeze continues until admin decision — then release or refund.
Key points
- Holding starts after successful payment
- No manual payout to seller outside the system
- Every status change appears in the transaction log
- Commission is calculated clearly at creation
Why this design?
Real escrow means money is not held by one party alone before obligations are met — that is Mothoq’s core.