Top 4 ways to buy and sell safely with escrow in 2026

Escrow keeps the money in the middle until the buyer gets what they paid for. Here is how 4 services do it.

1P
PAYchat Escrow
Inside Telegram
- Works inside Telegram as a Mini App. The buyer’s USDT is held until the buyer confirms.
- Seller pays the fee: from 1% (quick deals) or 2% by default.
- For goods and services delivered online.
Browse escrow products
2
Escrow.com
Licensed escrow
- Releases funds to the seller after the buyer inspects and approves.
- Standard fee 2.6% up to $5,000 ($50 minimum); card or PayPal adds 3.05%.
- USD, AUD, EUR, GBP, CAD.
3
Binance P2P
P2P crypto
- Crypto in a P2P trade is automatically reserved in Binance escrow.
- More than 800 payment methods.
- May charge transaction fees to takers/makers.
4
Bybit P2P
Zero fees
- Zero transaction fees for buyers and sellers.
- The seller’s USDT stays locked until the buyer’s payment is confirmed.

Written by the PAYchat team. Details were checked on each official website on 2026-10-30. Names and trademarks belong to their owners.

PAYchat Escrow