SettleMe

How it works

Record it.
Then resolve it.

SettleMe records claims in a structured way, gives the other party a fair chance to respond, and helps both sides settle. We do not determine guilt and we are not a court or a law firm.

A SettleMe case, step by step

  1. 1

    Verify who you are

    Only KYC-verified users can activate a case. You can act personally or as an authorised representative of a company.

  2. 2

    Tell us what happened

    Who the complaint is against, what happened, the amounts involved and what outcome you want.

  3. 3

    Upload your evidence

    Invoices, receipts, contracts, chats, transfers, delivery notes, photos, videos, audio and signed documents.

  4. 4

    We run integrity checks

    Identity, duplicates, evidence and wording are checked. High-risk claims go to manual review before anything is sent.

  5. 5

    Demand notice goes out

    A professional notice is generated in your name and delivered by email, WhatsApp, courier or print, with tracking.

  6. 6

    Seven-day response window

    Reminders on day 3 and day 5. The respondent can pay, part pay, propose a plan, offer a settlement, dispute, reject or request information.

  7. 7

    Resolve or escalate

    Accept, counter, or authorise professional recovery assistance. Unresolved complaints may become eligible for the Register after review.

Start a Case

A protected transaction, step by step

  1. 1

    Set the terms

    Describe the goods or service, amount, delivery date, inspection period, acceptance criteria and evidence required.

  2. 2

    Both parties accept

    Fees are shown up front: 2% total, 1% buyer and 1% seller. Once accepted, terms are locked.

  3. 3

    Buyer funds

    Payment is made through Paystack-supported infrastructure and verified server-side.

  4. 4

    Seller delivers

    Delivery proof and notes are added to the transaction timeline.

  5. 5

    Buyer reviews

    Accept delivery, request more time where permitted, or report a problem to open a dispute.

  6. 6

    Completion

    Funds move per the agreed rules and a completion certificate is generated.

Use Escrow

What we promise both sides

We record claims

We do not determine guilt or label anyone a defaulter.

We encourage resolution

The platform is built for settlement, not public shaming.

Both sides can respond

Respondents can reply, dispute and submit their own evidence.

Publication is controlled

A complaint only appears in the Register after checks, a response opportunity and human review.