Trust & safety

How Zoe handles holds, verification, and disputes in Ghana. Empty at zero is correct. We do not pad GMV.

Acceptable usePartners
4
Creators
0
Paid orders
GH₵0.00
GMV
0
Closed disputes
No payouts yet
Payouts settled
0
Holds released

Three rungs. The rules are the same for everyone.

Identity checks run against the Ghana Card register. A person reviews the edge cases and appeals.

  1. Seller

    Tier 0

    Sell anything. Earnings wait in your wallet.

    • Publish a store and sell
    • Earnings accrue in your wallet
    • No withdrawals yet

    How to get here: Sign up. Every creator starts here.

  2. Verified

    Tier 1

    Ghana Card checked. Daily payout up to GHS 5,000.

    • Withdraw up to GHS 5,000 a day
    • Paid on the daily batch run
    • Disputes can pause specific funds

    How to get here: Ghana Card number, a live selfie and both sides of your card on camera, matched to the name on your MoMo account.

  3. Trusted

    Tier 2

    Instant payouts. Daily cap GHS 50,000.

    • Instant MoMo payouts
    • Daily cap GHS 50,000
    • Priority in Trust reviews

    How to get here: 30 days verified, 20 paid orders, and no open disputes.

Names are compared after dropping titles and middle names. A close but imperfect match goes to a person. A card the register does not know is rejected with the reason shown in Studio. KYC help

Every desk, in one place

Buyer protection
If you paid on Zoe and did not receive what you bought, open a dispute from /me. Trust can mark a refund after review. Change of mind after accessing a digital file follows the creator refund promise.
Report a store
Every storefront footer has Report this store. Three unique reports auto-flag the seller. Trust can hide the store without moving money.
Instant MoMo payouts
MoMo sales are available immediately. We send the payout as soon as Ghana Card KYC is approved. Card sales may wait a few days. A dispute or risk reserve can still hold specific funds.
Ghana Card verification
Withdrawals require a verified Ghana Card match on the payout number. You can sell before verification; funds stay in the wallet until you complete KYC.
Disputes
Buyers open disputes from /me. You reply in Studio → Orders. Control can mark refunded or lost after review.
Platform fees
Free plan is 3.5% + GH₵0.50 per paid order. Fees are deducted from the seller side unless you pass them to the buyer. All amounts are in GH₵ pesewas internally.
Your data
Download a copy from /me/settings. Deletion is reviewed so paid-order records stay for Ghana AML retention. We have not published a DPC registration number yet.

DPA · Disputes help · Your data