How does Y2klick protect my payment when I buy from a vendor?

Y2klick uses escrow-based payment protection. When you pay with MTN MoMo, Vodafone Cash, or AirtelTigo, your funds are held securely and are only released to the vendor after you confirm your order has been delivered.

Where do I find my Y2klick delivery code?

Your delivery code is always located on the order details page for that specific order. Share it with your delivery agent only once the order physically arrives, since this confirms delivery and releases payment to the vendor.

What does 'hyper-local' mean on Y2klick?

Hyper-local means Y2klick only connects buyers with vendors already operating in the same city, currently Accra, Kumasi, Takoradi, and Tema. This shortens delivery times, lowers delivery costs, and supports local businesses instead of shipping from distant warehouses.

Policy STEP 1 / 3

Policy

Registration

Verification

BUYERS POLICY

Products

Any product displayed in a shop is considered available therefore could be ordered. However, restaurants only accept orders for dishes on the daily menu and within the restaurant's operating hours.
In case a buyer remarks the sale of an illegal substance on the platform, the buyer is advised to report the product to us via the complaint page (the link to the page is located at the bottom section of most pages).

Orders

For restaurants, order placement is restricted to the restaurant's operating hours. For all other vendors, order placement has no time restriction.
The characteristics of a product at the time of order (price, size, volume and likes) are the only characteristics acceptable for that order. Any change made to the product's characteristics by the vendor after order placement does not affect pending orders of such product.
Every delivery fee is computed using the buyer's GPS coordinates (unless specified otherwise, the default GPS data provided during account registration is used). In addition, the buyer still has the possibility to update the delivery location for individual orders on the order's detail page. If the newly computed delivery fee is smaller than the buyer's deposited delivery fee for a pending order, a negative balance will be saved with the buyer's account, else, the balance will be positive or zero (0). This constitutes the buyer's outstanding balance. When paying for subsequent orders, the buyer's outstanding balance will then be subtracted (for negative balance) or added (for positive balance) to the total products price. This information will be stated on order checkout page. For accuracy, we therefore recommend that buyers only update their delivery location when using a GPS enabled system such as a cell phone. Please do not use your PC (personal computer or desktop) to update your location unless it supports GPS.
For every order, our systems compute a delivery deadline, information available on all order details pages.
For restaurants, the delivery deadline is computed using the distance between the buyer and the vendor and other relevant factors unless it is a pre-order type.
For non-restaurant products, orders are valid for three (3) days by default from the time the order is placed unless it is a pre-order type.
For pre-ordered product, the order delivery deadline is per the pre-order time specified by the vendor
If the order is not delivered before the delivery deadline, the buyer may cancel the order. Order cancellation is only possible once the order's validity period has elapsed.
Every order is given a delivery code. The delivery code will be messaged to the buyer once the buyer has paid for the order. The delivery code is still available on the order's details page in the buyer's account. The delivery code is our way to check whether the order is successfully delivered to the buyer so to terminate the transaction. The code is to be shared with the person making the delivery, this could be the vendor or a delivery agent. The person making the delivery will need the code to confirm delivery.
In case a vendor or a delivery agent fails to deliver an order before delivery deadline, the buyer is free to cancel the order. The deposit made for the order will then be refunded to the buyer via the payment mode the buyer provided on the payment mode page in the buyer's account. The refund will be sent to the buyer within 72 hours after request.
Only product prices and their delivery fee are refundable.
A 15% penalty is applied to requested refund prior to delivery deadline. However, if the order is cancelled by the vendor, the refund transaction fee is waivered. Kindly note that, cancelling order should always be the last resort. We suggest that the buyer checks the order details and contacts the vendor or the delivery agent assigned to the order if any, to find out more on the order and the reason for the delay.
Buyers are allowed to personally handle the delivery of purchased good(s), option available on product checkout page for selected cases only. There is no delivery fee for deliveries handled by buyers
For delivery handled by the buyer, once the vendor updates the order to a ready state, a notification will be sent to the buyer (we also encourage buyers to regularly check the order's processing state on the order details page in their accounts).
In case a vendor wrongfully updates an order to either "ready" or "picked" without the order being qualified to be declared so, the buyer is strongly encouraged to place a complaint.
In case a vendor is found guilty of wrongful order state update, the buyer will be awarded a full refund

Delivery

An order is completed once the delivery agent or the vendor confirms delivery using the delivery code associated with the order. Beyond this, no refund is possible. Please, share the delivery code with the delivery agent or the vendor only when the goods satisfy expectations .
Every order should be delivered at the GPS location the buyer provided in his/her account. For security reasons, vendors / delivery agents are not allowed to enter buyers' room and are advised to stay at the door or the gate, whichever convenient.
For an order which delivery is handled by the buyer, the vendor will request the delivery code from the buyer during order pick up in order to confirm the delivery
Buyers can refuse to receive an order if the following conditions are satisfied:
1. Delivery after the delivery deadline.
2. The quality of the goods is unsatisfactory
3. The vendor / delivery agent requests delivery at any place other than the location the buyer provided.
4. The delivery is made beyond the delivery time interval recommended (7:30 AM - 6:00 PM). This security measure is to protect both the delivery agent /vendor and the buyer. However, this time restriction does not apply to restaurant food deliveries.

Payment

Any transaction between Y2Klick and a buyer will be accomplished via the payment mode the buyer provided (buyers are to provide all necessary information on the payment mode page in their account).
There is a transaction fee associated with every requested refund as specified in the orders section above and the sanction section below.
Refund(s) will be paid within 72 hours after request.

transfer of fund to buyer diagram

Sanction

Acts which will attract sanctions are:
1. Provision of wrong information (will be used for delivery purposes)
2. Delivery request at unrecommended locations, endangering delivery agent / vendor
3. Failure to receive ordered product(s) beyond rights
4. Failure to pick up order for which the buyer is in charge of delivery
5. Purchase of good(s) with fraudulent payment account
6. Violence or assault towards a vendor / delivery agent
When a buyer is sanctioned:
1. The buyer can no more place order on the platform until the end of the sanction period
The different offenses and their penalties
1. Unlimited sanction to draw the attention of the buyer(Will be removed when buyer contacts administration for confirmation)
1. This act attracts two (2) weeks sanction on first occurrence.
2. The buyer will face four (4) weeks sanction on the second occurrence
3. The buyer will be suspended indefinitely on the third occurrence
1. This act attracts two (2) weeks sanction on first occurrence
2. The buyer will face four (4) weeks sanction on the second occurrence
3. The buyer will be suspended indefinitely on the third occurrence
4. The refund for the concerned order will attract 25% transaction fee.
1. This act attracts two (2) weeks sanction on first occurrence
2. The buyer will be suspended indefinitely on the second occurrence
3. The concerned order(s) could be cancelled on request; the vendor will be granted a compensation amounting to 25% of the order price and a 65% refund will be granted to the buyer
1. The concerned order(s) may be cancelled
2. Y2Klick has zero tolerance for fraud. Once a bank or a qualified agency lodges a fraud complaint in regards to an order, the buyer will be sanctioned indefinitely. Y2Klick will work with the right authorities for the apprehension of such a buyer
1. Y2Klick has zero tolerance for violence and assault. The buyer will be suspended indefinitely on the first occurrence

How Y2klick Works

Shop the market next door — safely, from your device.

Y2klick connects you with vendors already operating in your city, neighborhood and protects every order with escrow-based payment security, from checkout to delivery confirmation.

Selling instead? See vendor account types →

Discover nearby vendors

Groceries, fashion, electronics, food and more — from sellers actually based in your city.

Pay securely with escrow

MTN MoMo, Vodafone Cash, or AirtelTigo. Funds are held until you confirm delivery.

Confirm with your delivery code

Found on your order details page. Sharing it with your agent releases payment.

Your money is protected by escrow

Every payment is held securely by Y2klick and only released to the vendor once you confirm your order arrived — so you're never paying for something you might not receive.

Your delivery code is always on the order's details page — never share it before the order physically arrives.

Read the full security breakdown

Escrow payment protection

Funds are held by Y2klick until you confirm the order was received in good condition.

Verified vendors

Vendors are reviewed during onboarding before they can list products or receive orders.

Real-time order tracking

Placed, confirmed, out for delivery, completed — all visible on your order details page.

Dispute support

Funds still in escrow means there's time to raise an issue before the vendor is ever paid.

Built hyper-local — Accra, Kumasi, Takoradi, Tema & beyond

Y2klick connects you with vendors already operating in your own city and neighborhood, so delivery is faster, cheaper, and supports businesses near you instead of a warehouse far away.

See what hyper-local means for buyers & vendors

For buyers

Shorter delivery times — vendors are streets away, not a different region
Lower, more predictable delivery costs
Fresher groceries and food thanks to minimal travel time
You support real businesses in your own community

For vendors

Reach shoppers who can be served quickly and affordably
Lower delivery overhead than city-wide or national fulfilment
A loyal, nearby customer base built on trust and proximity
Faster turnaround improves ratings and repeat business

Accra Kumasi Takoradi Tema