Secure Payment Processing with Stripe & Escrow Protection
Kainamo prioritizes the security and trust of both buyers and sellers. Our payment system uses industry-leading Stripe technology combined with an escrow model to ensure every transaction is protected.
How Payments Work
For Buyers
All purchases on Kainamo are processed securely through Stripe. We accept:
- Credit and debit cards (Visa, Mastercard, American Express, Discover)
- Digital wallets (Apple Pay, Google Pay)
- ACH bank transfers (where available)
Your payment information is never stored on Kainamo’s servers; all transactions are encrypted and processed directly through Stripe’s secure payment infrastructure.
For Sellers
When you register as a seller on Kainamo, a Stripe account is automatically created and connected to your profile. This ensures:
- Seamless payment processing without manual setup
- Compliance with financial regulations through Stripe’s verified infrastructure
- Automatic tax documentation (1099 forms for US sellers)
- Secure fund transfers directly to your bank account
Escrow Protection System
What is Escrow?
Escrow is a secure payment holding system that protects both buyers and sellers. When a customer makes a purchase, funds are held safely by Kainamo until the transaction is successfully completed.
How It Works:
For Physical Products (Creations)
- Customer pays → Payment is securely held in escrow
- Seller ships product → Customer receives their order
- Order marked “Completed” → 7-day hold period begins
- After 7 days → Funds are released to the seller’s wallet for withdrawal
This waiting period protects customers by allowing time to inspect items and report any issues, while ensuring sellers receive payment for legitimate transactions.
For Services (Custom Design, Print on Demand, Services on Demand)
- Customer pays full amount → Payment held in escrow
- Seller completes work → Seller marks service as “Completed”
- Customer review period → Customer receives notification to approve completion
- Payment release options:
- Customer marks as “Completed” → 7-day hold begins, then payment released
- Customer requests revisions → Work continues until both parties agree on completion
- No customer response within 7 days → Payment automatically released to seller
Why this matters: Complex services require collaboration. Our system ensures sellers get paid for completed work while giving customers the opportunity to request reasonable revisions.