Guide · 4 parts · 63 min total
Kenya Buyer Protection
Most online-shopping advice in Kenya tells you to "be careful." This guide gives you something better: the scam patterns to recognise, the payment models to understand, and the structural fix — conditional settlement — that removes the question of trust from the transaction.
Why this guide exists
Kenya has world-class mobile money but only ~12% e-commerce adoption. That gap is not a payments problem — it's a trust problem. Read the four posts in order: start with the scam patterns so you can recognise them, then the comparison so you understand why every familiar payment option leaves one party exposed, then the mechanics so you know what conditional settlement actually changes, and finish with the activation guide so you can use it correctly the first time.
Read in order
- 01Pillar14 min
Kenya online shopping scams: a buyer's field guide for 2026
Learn the seven scam patterns and the four checks to run before paying any seller.
Read post - 02Comparison16 min
COD vs prepaid vs conditional settlement: which one actually protects you?
Understand who carries the risk in each payment model — and why conditional settlement is structurally different.
Read post - 03Mechanics18 min
How conditional settlement works on ArosaPay: a buyer's walkthrough
Walk through the eight-stage transaction lifecycle, from checkout to fund release.
Read post - 04Activation15 min
How to confirm delivery the right way so you don't get stuck holding a brick
Use the 90-second confirmation protocol so you only release funds for what was actually delivered.
Read post
Quick answers
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Buyer Protection
How ArosaPay safeguards every payment you make.
How It Works
The protected checkout mechanic, end to end.
For Merchants
Reduce cart abandonment with buyer-trust checkout.
Security & Regulation
Banking partners, controls, and compliance posture.
Pricing
Transaction fees and what's included for buyers.
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