If you're a freelancer or digital creator in Nigeria, you've almost certainly heard of Selar and probably seen Nestuge pop up in creator WhatsApp groups recently. Kreddlo is newer, and it's built differently. So which one should you actually use?
This comparison doesn't exist to trash any platform. Each one was built to solve a real problem. What matters is which problem matches yours.
The short version
Kreddlo is the right choice if you also do custom work (design, development, consulting, writing), take client projects, send invoices, or need buyer escrow protection built in. One account covers all three income streams.
Feature-by-feature comparison
Here's how the three platforms stack up across the things that matter most to freelancers:
| Feature | Kreddlo | Selar | Nestuge |
|---|---|---|---|
| Sell digital products | ✓ Yes | ✓ Yes | ✓ Yes |
| Custom project / service orders | ✓ Yes | ✗ No | ✗ No |
| Escrow payment protection | ✓ Built-in | ✗ No | ✗ No |
| Send invoices to clients | ✓ Yes | ✗ No | ✗ No |
| Buyer protection & dispute resolution | ✓ Yes | ✗ No | ✗ No |
| KYC-verified seller profiles | ✓ Yes | ✗ No | ✗ No |
| Affiliate / referral earnings | ✓ Yes | ✓ Yes | ✗ No |
| Crypto withdrawal option | ✓ Yes | ✗ No | ✗ No |
| One profile link for everything | ✓ Yes | Partial | Partial |
| Free to start | ✓ Yes | ✓ Yes | ✓ Yes |
Fees: what each platform takes
Transaction fees are where platform choices get personal, the difference between platforms shows up directly in your bank account. For a detailed breakdown of what each platform actually deducts per sale, see our dedicated creator platform fees comparison.
The key point: Kreddlo's platform fee covers escrow, buyer protection, dispute resolution, and identity verification, not just payment processing. When you compare like-for-like (platform that holds funds safely vs one that doesn't), the numbers look very different.
Selar: who it's built for
Selar is the most established digital product marketplace in Nigeria for a reason. If you sell ebooks, courses, templates, or digital downloads, it's fast to set up and has a built-in audience discovery layer. Payouts are reliable. The product upload flow is clean.
The ceiling shows up the moment you try to do anything beyond product sales. There's no way to take a custom order ("design my logo for ₦50,000"), no contract flow, no invoice tool, and no escrow. If a client doesn't pay after delivery, Selar can't help you, that transaction never happened on their platform.
Nestuge: who it's built for
Nestuge has positioned itself as a Selar alternative with lower fees and a cleaner interface. If you want a simple storefront for digital products and have been frustrated with Selar's UI, Nestuge is worth a look.
Like Selar, it's built purely for product sales. No custom orders, no escrow, no invoicing. It's a newer platform, which means less track record but also more responsiveness from the founding team.
Kreddlo: who it's built for
Kreddlo was designed specifically for freelancers who do more than sell pre-made products, people who take on client work, run projects, and need to get paid safely without chasing invoices or getting burned on delivery.
The core difference is escrow. When a buyer funds a project on Kreddlo, the money is held securely until the work is delivered and confirmed. If something goes wrong, there's a formal dispute process. This is the layer that makes taking custom work from strangers online actually safe.
Beyond that, one Kreddlo profile handles three income streams at once: a digital product storefront, a custom orders page, and an invoicing tool. Instead of one link for your Selar ebook and a separate bank account or Paystack link for client work, you send clients one URL that covers everything.
The real question to ask
Don't pick a platform based on brand recognition or what's trending in creator groups. Ask this instead: What does my actual income look like right now, and what do I want it to look like in six months?
If 100% of your income is digital products and you've never taken a custom client order, Selar or Nestuge will serve you well.
If you do any custom work, send invoices, or want a single professional profile that covers everything. Kreddlo is built for exactly that.
And if you're at the point where you're juggling a Selar storefront, a Paystack payment link for client work, and bank transfer screenshots for invoices, that's exactly the problem Kreddlo was built to solve. Read more about how the unified approach works in One Link, Three Ways to Get Paid.
Can you use Kreddlo and Selar at the same time?
Yes. Nothing stops you from keeping your Selar storefront for your existing digital products while moving your client work and invoicing to Kreddlo. Many freelancers start this way during the transition.
Over time most find it simpler to consolidate, one dashboard, one withdrawal account, one link to share. But there's no forced either/or decision at the start.
Bottom line
Selar and Nestuge are good tools for what they do. Kreddlo does more. The question is whether your freelance business needs more than a digital product shelf, and if it does, you need the escrow, contracts, and invoicing layer that the other platforms simply don't have. Learn more about how escrow protects freelancers from non-payment.