Get Started
Template name: white header 1page-template-3.phppage-template-3.php

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.

View our licenses

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.

Create an account Talk to an Expert

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 in insolvency-proof escrow accounts. Once the merchant dispatches the product or service and the customer confirms receipt, the funds are released to the merchant.

Funds are never held by Novalnet directly. Instead, they are stored in legally safeguarded escrow accounts, eliminating the risk of insolvency or non-payment by Novalnet.

Yes. Novalnet is regulated by BaFin and complies with key financial laws including PSD2, the Money Laundering Act (GwG), and Regulation (EC) No. 1781/2006. PCI DSS compliance is ensured across all operating regions.

Escrow accounts are ideal for marketplaces, B2B/B2C platforms, freelancers, and merchants managing delayed fulfillment or project-based payments. Startups and growing businesses also benefit from trust accounts for affiliates and partners.

Absolutely. You can set custom payout triggers such as delivery tracking, milestone approval, or dispute resolution before releasing funds.

Yes. Novalnet supports partial or milestone-based fund releases—ideal for staged projects or long-term contracts.

Absolutely. Escrow accounts integrate with revenue-sharing models and split payments, supporting multi-party payouts for platforms.

Novalnet has robust risk control, transaction monitoring, and audit-compliant data handling systems in place, ensuring secure and transparent fund flow.

By holding funds until obligations are met, escrow accounts reduce fraud and chargeback risk. Both parties must confirm satisfaction before release.

Yes. Escrow accounts help build trust in cross-border transactions and are widely used for secure international trade, especially in high-value sales.

Escrow accounts automate the fund flow, reduce disputes, and enable hassle-free settlements—ideal for simplifying digital commerce for SMEs and enterprises alike.

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.