Made in Canada · Interac-native

The safer way to pay in person.

Settle holds the payment until the buyer has the item. The buyer inspects before the money is released. The seller knows it's real.

Create a secure deal See how it works

Under a minute · no account needed

Inspect before you pay

No fake payments

One flat 3% fee

Built & operated in Canada

Funds held in CAD

Buyer's payment verifiedHeld safely until you both agree

SettleUs. Payment secured

Step 2 of 4 · funds held by SettleUs

Amount held

$420.00

Canon EF 50mm lens · Toronto, ON

BuyerSample buyer

Status Held until you both agree

Seller receives$420.00 · 100%

Release to seller

Built for Facebook Marketplace & Kijiji Funds held until both agree One flat 3% fee

The problem

You're dealing with a stranger

Selling a $1,200 camera to a stranger who says they already paid? Settle holds the money before you hand it over.

High-value local sales

Cameras, phones, laptops, watches

Buying a PS5 from someone you just met? Your money's held safely until you've checked it works and it's what they promised.

Buyer protection

Check it before you pay

Neither side has to trust the other. The buyer doesn't pay until they have the item. The seller knows the money's real. One flat 3% fee.

Protection for both sides

Buyer inspects. Seller gets paid.

How it works

A deal in four steps

Here's what the process looks like. No accounts, just a link.

Create the deal

One person sets the item and price, then sends a link. No account needed, for either of you.

Buyer pays by Interac e-Transfer

The buyer sends payment through the link. Settle holds it safely before anyone meets up.

Meet and inspect

Meet at a public spot. The seller knows the money's secured, and the buyer checks the item over.

Seller is paid

The buyer confirms they have the item, and the seller is paid by Interac e-Transfer right away.

Deal created

SETL-4827

Secured via Interac e-Transfer

If something goes wrong, the money stays frozen until it's sorted out. See how disputes work →

Why people use Settle

Protection that works for both sides

Inspect before you pay

Check the item over and take your time. The money is held safely, and nothing is released to the seller until you confirm you're happy. No pressure, no rush.

$420.00 held until you confirm

Verified, irreversible payment

Verified through Settle on the spot. No faked screenshots, no reversals.

No risky cash handoff

No cash to carry, count, or fake. Everything moves digitally.

One simple fee

A flat 3% per deal, paid by the buyer. The seller keeps 100% of the price. No subscriptions, no hidden fees, nothing to sign up for.

Why Settle exists

Canadians lost $704M to fraud last year

Most scams don't look like scams. A buyer in a hurry, a screenshot that seems fine, a deposit that never lands. People find out after the money's gone.

$704M

reported lost to fraud by Canadians in 2025.

9,800+

service and merchandise fraud reports in 2024, among the most common types.

5–10%

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).

Documented, not hypothetical

This scam is in the news every month

Canadian newsrooms keep reporting the same story: a normal person, a normal deal, a payment that wasn't real.

CBC News

Headlines link to the original reporting. Settle is not affiliated with or endorsed by these outlets.

Pricing

per deal

One flat fee. That's it.

3% covers the whole transaction, charged once. No subscriptions, no hidden charges, nothing to sign up for.

No monthly fees

Pay only when you do a deal.

No signup

Start straight from a link.

Same fee always

3% on every deal, no surprises.

The 3% is added to the buyer's payment. Sellers always receive their full asking price.

Ready to start?

Don't trust. Settle.

One link, no accounts. The money sits safely with Settle until the buyer has the item.

Create a secure deal See how it works

You're dealing with a stranger

A deal in four steps

Create the deal

Buyer pays by Interac e-Transfer

Meet and inspect

Seller is paid

Deal created

Protection that works for both sides

Inspect before you pay

Verified, irreversible payment

No risky cash handoff

One simple fee

Canadians lost $704M to fraud last year

This scam is in the news every month

Targeting sellers on Facebook Marketplace is the "hot fraud," police warn

Ontario mother loses $6K during a Facebook Marketplace transaction

Fake e-transfer scam targeting Marketplace sellers in circulation

One flat fee. That's it.

Don't trust. Settle.