Online marketplaces like classified ad sites and social media stores help buyers and sellers meet, with all of the advantages of these marketplaces, fraudsters and scammers do take advantage of it to rid people of their money. This has brought the Lack of trust and fears around security in dealing with strangers from online marketplaces has posed a big problem in social commerce in Nigeria, with a potential of over $3b in transactions, there are disputes involving over $5m across all social media platforms. This has emphasized the need for Paylidate escrow, where strangers can trade from anywhere with anyone. Paylidate comes in to stand as the middleman in a transaction so they don’t need to worry about being defrauded when transacting with strangers online.