Marketplace Escrow Payment Policy

When a buyer places an order:

• Payment is collected via a secure third-party payment gateway integrated into the Khello platform.
• Funds are placed in a temporary holding state within the payment processing system.

Khello does not store full credit or debit card details.

Funds remain in the temporary holding period until:

• The order is confirmed delivered by the shipping provider, AND
• The applicable return window has expired, OR
• The buyer confirms satisfactory receipt of the product.

Once the escrow holding conditions are met:

• Funds are released to the seller according to the Seller Payout Policy.
• Applicable platform commissions and fees are deducted before payout.

If a buyer raises a dispute during the escrow period:

• Funds may remain on hold until the dispute is resolved.
• Khello may review order details, communication records, delivery confirmation, and supporting evidence.

Khello may delay the release of funds in cases including:

• Suspicious transaction patterns
• Delivery verification issues
• Chargeback investigations
• Platform policy violations

If a buyer initiates a chargeback through their payment provider:

• The disputed amount may be withheld from the seller payout.
• Khello may assist in providing transaction records to payment processors.

Escrow-style holding of funds is facilitated through payment gateway partners and must comply with applicable financial regulations.

Khello reserves the right to modify the escrow holding period where necessary to protect buyers, sellers, or the platform.