Fonlok

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.

Free accountHow it works

Create your account and start using Fonlok at no cost. No credit card, no setup fee — just sign up and go.

Simple. Safe. Straightforward.

Three steps is all it takes to do a safe deal on Fonlok.

1

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.

2

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.

3

Both sides confirm

Deliver what was agreed. The buyer confirms receipt and Fonlok releases the money straight to the seller. Everyone wins.

Read the full guide →

Why people choose Fonlok

Built specifically for the way people pay and sell in Cameroon.

01 / 06

Buyer protection

Your money is held until you confirm you received exactly what you paid for. You are never at risk.

02 / 06

Seller guarantee

Once you deliver, you get paid. No more chasing unpaid invoices. No more broken promises.

03 / 06

Dispute resolution

If there is a problem, our team reviews the evidence and resolves it fairly. Neither side can run.

04 / 06

Mobile Money payments

Buyers pay with MTN or Orange Money. No bank account or card required.

05 / 06

No hidden charges

3% per transaction for sellers. Buyers pay nothing. No monthly fee. No setup cost.

06 / 06

Fully online

Create invoices, track payments, and manage disputes — all from your phone.

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
Full pricing details →

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.

Referral Programme

Earn 0.5% commission
on every deal — forever.

Share your unique referral link. Every time someone you refer completes a transaction on Fonlok, you earn 0.5% of the transaction value — automatically, with no time limit.

Learn more about our referral programme →

Ready to do business safely?

Join Cameroonians who use Fonlok to protect their money and complete deals with confidence.

Create your free accountLearn how it works →