Holdy protects every online deal in 3 transparent steps. No apps, no contracts, no headaches. Just safe payments.
The seller sets up a new deal in Holdy. They add the title, amount, deliverables, and a delivery deadline. Takes about 30 seconds.
Once created, they get a unique payment link to share with their buyer via WhatsApp, Discord, email, or any other channel.
The buyer opens the link and sees the deal details: title, price, deliverables, and seller trust signals (verified status, rating, completed deals).
They pay via Stripe using their preferred method — Apple Pay, credit card, iDEAL, Google Pay. The money goes into a secure Stripe vault, NOT to the seller.
The seller delivers the work through Holdy. Every delivery gets a SHA-256 cryptographic proof and timestamp. The buyer reviews and confirms.
If everything's good, the buyer hits confirm — the payment is released instantly to the seller's bank account via Stripe. If something's wrong, they can open a dispute.
If the seller doesn't deliver or the goods don't match the description, here's how it works.
Buyer selects a category (not delivered, not as described, partial delivery), adds details and evidence. Seller gets notified.
Seller has 48 hours to respond with their side of the story and evidence. If they delivered via Holdy, their SHA-256 proof is automatic evidence.
Our team reviews all evidence: the original deliverables, Holdy's delivery proof, chat logs, screenshots. We make a fair decision based on facts.
If the buyer wins, they get a full refund. If the seller wins, the funds are released. Both parties get a written explanation of the decision.
You never have to wonder if the seller is legit. Your money is protected until YOU say so. If something goes wrong, you get a refund. Period.
Learn more →No more Net-30. No more ghosting clients. No more chasing invoices. The money is already there when you start working — you just have to deliver.
Learn more →No credit card needed. No commitment. Just safer payments.
Create your first deal