Settle holds the buyer's money until both sides are happy. The payment is real, verified, and only moves when you both agree — and the seller keeps 100%.
Most safe-payment services charge both sides — often 6% all-in. Settle charges the buyer a flat 3% and the seller nothing.
From "is this for real?" to "deal done" — without fake transfers, counterfeit cash, or awkward parking-lot standoffs.
One person sets the item and price, then sends an invite. No account needed to start.
Get together at a public spot and inspect the item. Nothing moves until you're both ready.
The buyer pays in-app. Settle holds the funds the moment you both agree.
Hand over the item, release the payment, and the seller keeps 100%.
See the item in person first. Pay through Settle only when you're satisfied it's the real thing.
Payment is verified through Settle on the spot — no screenshots, no "I already sent it," no reversals.
Skip the risky cash handoff and counting twenties by phone-light. Everything moves digitally during the meetup.
The buyer covers the 3% fee. Sellers walk away with the full asking price — unlike services that bill both sides.
Fake payments, deposit scams, and counterfeit cash hit buyers and sellers during everyday local deals.
reported lost to fraud by Canadians in 2025.
service & merchandise fraud reports in 2024 — among the most common types.
of fraud is ever reported — the real total is far higher.
is what a held payment costs you if the deal falls through.
Sources: Canadian Anti-Fraud Centre & Competition Bureau of Canada (2024–2025 reporting).
Selling a $1,200 camera to a stranger from Marketplace. They want to e-transfer — you've heard about fake payment screenshots. Settle confirms the money is real and held before you hand anything over.
Buying a PS5 from someone two cities away. They want payment before shipping — you want proof you're not sending money into a void. Settle holds it until you confirm the item arrived as described.
As the seller, you do nothing: no signup, no app, no fee. The buyer sets up the deal, you get a normal Interac e-transfer once they confirm. You keep 100% of your price.
One link, no accounts. The money sits safely with Settle until the deal is done — and the seller keeps every dollar.