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In from customers and ads
Card, wallet, and PayPal payments plus ad spend land in one NSGPAY ledger.
Payments · Escrow · Settlement
NSGPAY - Payments, Escrow & Settlement
The financial backbone of NSGRADIUS. One ledger. One fraud check on every transaction. One flat fee - only when you sell.
Secured by NSGPAY
Escrow held until fulfillment is verified
The layer behind every order
What NSGPAY is
NSGPAY is the money system of NSGRADIUS: checkout, escrow, settlement, and payouts today - with bill pay, employ pay, and personal transfers on the way. One ledger under one fraud gate.
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One fraud gate on every transaction
Suspicious activity is held and reviewed before it touches your balance.
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Out to merchants
Settlement through our payment partners - Pulse Payout for sub-15-minute settlement, or standard Net-30 terms. Settlement timing is a target for eligible transactions and may be delayed by verification, compliance review, or partner processing.
A clear, closed-loop process
How money moves
Four steps, the same on every order.
1
Customer pays
Payment is captured at checkout - 'Secured by NSGPAY'.
2
Fraud check
NSGPAY screens the transaction before any funds move.
3
Escrow holds the funds
Payment is received and held in NSGPAY escrow until the order is fulfilled and verified. If there is a dispute, the funds stay held until it is resolved.
4
Split and settle
On verification, the 82/18 split executes: 82% to your settlement pool, 18% to the network. Funds then sweep to your linked account, or settle with Pulse Payout in under 15 minutes for eligible transactions. Settlement timing is a target and may be delayed by verification, compliance review, or partner processing.
Simple economics
Fees
No monthly subscription is charged today. You pay only when you transact - an 18% fee on completed transactions.
| Item | Amount | When |
|---|---|---|
| Transaction fee | 18% flat | On completed transactions only |
| Monthly platform fee | $0 | No monthly subscription is charged today |
| Listing / signup fee | $0 | Never charged |
| Per-click charge | $0 | Never charged |
| Exit penalty | None | 30-day no-penalty exit |
82 / 18You keep 82% of every transaction
The 18% covers infrastructure, discovery, and fulfillment logistics across the network. No fee applies to an order that does not complete.
Visibility from capture to deposit
Settlement & payouts
You choose the pace; NSGPAY keeps the ledger.
Pending escrow
Payment has been received and is held in NSGPAY escrow, awaiting fulfillment verification.
Cleared
Fulfillment verified. The 82/18 split executes and your share moves into your settlement pool.
Swept
Cleared funds are transferred to your linked bank account on your schedule.
Net-30 terms
Standard settlement follows Net-30 terms on completed, verified transactions.
Pulse Payout
Sub-15-minute settlement for eligible completed transactions. Settlement timing is a target for eligible transactions and may be delayed by verification, compliance review, or partner processing.
Full payout history
Date, transaction count, gross, your 82% share, network share, fees, net deposit, and status - always visible in your dashboard.
Statement and payout records are available monthly in your dashboard under NSGPAY.
Merchant control
Your data stays yours
NSGPAY moves money. It does not take your business.
- You keep 100% ownership of your customer data - names, contact details, order history, and repeat-purchase behavior.
- You keep your fulfillment operations and your customer relationships.
- You can export your records at any time, including the full NSGPAY ledger for your orders.
- Leave whenever you want: 30-day no-penalty exit, no hidden fees.
Built into the flow
Security
PCI-DSS secure checkout
Card data is handled by PCI-compliant payment partners and never stored on your storefront.
Escrow protection
Funds sit in escrow until fulfillment is verified - protecting both the buyer and your payout.
Fraud gatekeeper
Every transaction is screened before funds move. Held transactions are reviewed before release.
One ledger, many users
Money for everyone
NSGPAY is built for more than checkout. Businesses, workers, billers, and communities all move money through the same ledger, under the same fraud gate.
Bill pay
Pay registered billers and bills by email from your NSGPAY balance. Every payment is tracked in one ledger and processed through payment partners where partner rails are used. Billers are verified directory entries; if a payment fails, it is refunded or credited to your balance.
Employ pay
Employers schedule and send payroll through NSGPAY; worker payouts route through processor payout paths - NSG does not custody employer payroll funds. Settlement timing is a target for eligible transactions and may be delayed by verification, compliance review, or partner processing.
Individual accounts
Anyone can register an NSGPAY account, hold a balance, and pay merchants. Send Money is opening now - your email becomes your payment address, with transfers rolling out as accounts verify (spend on-platform at launch; no cash-out).
Global transfers (US · Africa · Worldwide)
NSGPAY moves money between the US and Africa and worldwide — proven end to end on the Uganda corridor. The same rails are opening worldwide, with zero-margin FX planned on supported corridors and settlement through licensed payment partners. Settlement timing is a target for eligible transactions and may be delayed by verification, compliance review, or partner processing.
Agent cash desk
Cash-in/cash-out through verified NSG agents where banking access is limited. Shops, kiosks, pharmacies and banks alike can open a till in the Cash Desk: keep cash on hand, set your fee, and earn when neighbours cash out. Banks are especially welcome - branches become pickup points where customers collect money from their NSGPAY accounts. Cross-border transfers and cash access are provided through licensed payment partners.
Straight answers
Questions
Is NSGPAY a separate account I have to open?
No - NSGPAY activates as part of NSGRADIUS registration; there is no separate signup.
When am I charged the 18%?
Only on completed transactions. No monthly subscription is charged today; no listing fee, no per-click charge.
When do I actually get paid?
Standard settlement follows Net-30 on verified transactions. Pulse Payout can settle eligible completed transactions in under 15 minutes; settlement timing is a target and may be delayed by verification, compliance review, or partner processing.
What happens if a customer disputes an order?
Funds remain held in NSGPAY escrow until the dispute is resolved.
Do I keep my customer data?
Yes - 100%. Your customer relationships and records belong to you, not to the platform.
Can I use NSGPAY only, without the marketplace?
NSGPAY is the payments layer for transactions on NSGRADIUS; registering a business activates storefront and NSGPAY together.
Can I pay bills with NSGPAY?
Yes - pay verified directory billers and bills by email from your NSGPAY balance. Every payment is tracked in the ledger, and failed payments are refunded or credited to your balance.
Can I pay my employees through NSGPAY?
Yes - employers schedule and send payroll through NSGPAY, with worker payouts routed through processor payout paths.
Can I send money to another person?
Send Money is opening now - open your account and send money to any email address; your recipient's email becomes their payment address. Accounts can hold a balance and pay merchants today.
Does NSGPAY work across borders?
NSGPAY moves money between the US and Africa and worldwide - proven end to end on the Uganda corridor. The same rails are opening worldwide; cross-border settlement runs through licensed payment partners.