1. The SUGU Trusted Third Party Principle
To eliminate non-payment risks for producers and non-compliance risks for customers (domestic or international), SUGU operates an automated bank escrow system.
Fundamental rule: When you pay for an order, funds are not immediately disbursed to the seller. They are securely held in a ring-fenced escrow account until delivery and batch verification.
2. The 4 Steps of the Escrow Process
1
Payment & Ring-fencing
The buyer pays via Orange Money, Wave, Credit Card (Visa/Mastercard), or Swift Wire. Funds are safely locked in escrow.
2
Consolidation & Quality Control
The SME prepares the order and routes it to the Bamako Hub. APEX-Mali agents inspect physical compliance and export documentation.
3
Dispatch & Real-Time Tracking
The package is dispatched via the courier (DHL, Air France Cargo, or local carrier). The buyer tracks transit with their tracking code.
4
Delivery & Funds Release
Following confirmed receipt by the buyer (or 48 business hours post-delivery with no dispute), funds are disbursed directly to the SME account.
3. Authorized Payment Methods
| Payment Method | Currencies | Escrow Hold Time | Operator Fees |
|---|---|---|---|
| Orange Money / Wave | FCFA (XOF) | Instant | 0% (Covered by SUGU) |
| Cartes Visa / Mastercard | EUR, USD, FCFA | Instant with 3D-Secure | Standard interbank fees |
| Swift B2B Wire Transfer | EUR, USD, FCFA | 24h to 72h business hours | Depending on issuing bank fees |