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Insolvency proof

A life-saver when it comes to mitigating financial risk. Funds from transactions always remain in an insolvency-proof escrow account until they are paid out to you.

Zero risk

Your funds are 100% protected against any risk of non-payment, with disbursements made directly from the escrow account.

100% compliance

Fully compliant with all regulatory requirements, which are regularly verified and documented by BaFin, German Bundesbank and auditors.

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Why an escrow account?

  • Our main focus is your peace of mind. Escrow accounts help funds from all your transactions remain guarded from any misappropriation or insolvency.
  • All transaction amounts go directly to the escrow account where the funds stay until they’re paid out to you directly according to the agreed schedule.
  • We can also open escrow accounts for the resellers, partners or affiliates of a merchant.

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Frequently Asked Questions

A payment escrow account is a secure holding account where funds are kept until both buyer and seller meet the agreed conditions. It protects both parties in a transaction, especially in high-risk or high-value deals.

Novalnet collects payments from buyers and holds them securely in escrow. Once the predefined conditions are met—such as delivery confirmation or service completion—the funds are automatically released to the seller or service provider.

Escrow accounts are ideal for marketplaces, B2B platforms, service providers, freelancers, and any business dealing with delayed fulfillment, project-based payments, or trust-sensitive transactions.

Yes. As a BaFin-licensed payment institute, Novalnet offers escrow services in compliance with German and EU financial laws, including PSD2 and AML directives.

Yes. Novalnet enables platform operators to define custom payout triggers such as delivery tracking, milestone approvals, dispute windows, or manual confirmation before releasing funds.

Yes. You can configure milestone-based disbursements, allowing partial fund releases based on predefined stages of project completion or multi-phase delivery models.

Absolutely. Novalnet escrow accounts can be integrated with split payment and revenue-sharing solutions—ideal for platforms needing fund distribution to multiple parties.

More ways we protect your money

AI-based fraud prevention

We secure your business proactively, stopping payment fraud and chargebacks before they damage your business’ integrity.

Receivables management

Novalnet’s automated receivables management system keeps your cash inflow at its optimum, and helps you keep a close watch on your receivables.

Debt collection

Any debts are automatically transferred to our partner debt collection agencies who will take care of processing and tracking your claims.