How Mobile Money Escrow Is Eliminating Spare Part Scams in Accra and Kumasi
The step-by-step breakdown of how Bank of Ghana compliant escrow stops the classic "send money for fuel before I bring the part" fraud.
Every Ghanaian driver has either experienced or heard of the dreaded spare parts dispatch scam: you contact an individual claiming to have a rare gearbox or headlight in Abossey Okai or Suame Magazine. They ask for an advance MoMo transfer of ₵300 or ₵500 to "pay the dispatch rider." Once you send the money, the phone number is switched off.
The 4-Step Escrow Handover Protocol
Escrow Authorization
Customer authorizes MoMo payment into regulated escrow holding. Funds are locked safely and cannot be withdrawn by the seller.
Physical Yard Verification
An accredited Aura Prime runner inspects the part in Abossey Okai, verifies OEM stamps, and photographs serials.
Same-Day Transit & Delivery
Courier delivers the physical part to your home, garage bay, or VIP bus station.
Code Handover & Settlement
Only after your mechanic tests fitment do you release your 4-digit code. The seller is then paid instantly via MoMo.