Payment protection
built for platforms
Secure, scalable payment infrastructure for marketplaces and platforms. API-first integration with volume pricing and dedicated support.
Trusted by leading platforms
T+1
Settlement cadence
< 48h
Dispute resolution
Pilot
Stage
Kenya
Market
Use Cases
Built for every platform type
From marketplaces to service platforms, our API adapts to your business model.
Marketplaces
Multi-vendor payment protection with automated seller payouts and buyer guarantees.
Platforms
White-label payment protection infrastructure for SaaS platforms and service aggregators.
Rental Apps
Deposit protection for property rentals with move-in/move-out verification.
Service Apps
Milestone-based payments for freelance platforms and gig economy services.
Integration
Developer-first infrastructure
Build with modern APIs, comprehensive SDKs, and real-time webhooks.
REST API
Full RESTful API with comprehensive endpoints for transactions, users, and payouts.
- OpenAPI 3.0 spec
- Idempotency keys
- Rate limiting
Webhooks
Real-time event notifications for payment status changes and milestones.
- Signed payloads
- Retry logic
- Event filtering
SDKs
Native libraries for JavaScript, Python, PHP, and Ruby to speed integration.
- TypeScript support
- Auto-retry
- Error handling
White-label
Embed our payment flow with your branding for a unified buyer experience.
- Custom domains
- Brand colors
- Email templates
Quick Start
Integrate in minutes
Create your first protected transaction with just a few lines of code.
const arosapay = require('arosapay');
// Create a protected transaction
const transaction = await arosapay.transactions.create({
amount: 250000, // KES 250,000
title: 'Platform Order #12345',
seller_email: 'vendor@example.com',
buyer_email: 'customer@example.com',
satisfaction_period_days: 7,
metadata: {
orderId: '12345',
platform: 'your-marketplace'
}
});
// Send payment link to buyer
console.log(transaction.payment_link);Enterprise Features
Built for scale
Everything you need to run payment protection at enterprise scale.
One Published Rate
2.9% + KES 30 per completed transaction, minimum KES 100. No volume-tier surprises.
Dedicated Support
Named account manager with priority response times and technical assistance.
Custom SLAs
Contractual uptime targets with defined remedies and operator monitoring.
Multi-user Access
Role-based permissions for your team with audit logs and access controls.
Priority Payouts
Same-day settlement options and priority processing for high-volume accounts.
Advanced Analytics
Custom dashboards, API usage metrics, and exportable transaction reports.
Volume Pricing
Pricing that scales with you
Lower rates as your transaction volume grows. No hidden fees, no minimums.
Growth
For growing platforms
<50 transactions/month
- Full API access
- Standard webhooks
- Email support
- Basic analytics
- 7-day payouts
Scale
For established platforms
50-500 transactions/month
- Everything in Growth
- Priority support
- Advanced analytics
- Custom webhooks
- 3-day payouts
- Multi-user access
Enterprise
For high-volume platforms
500+ transactions/month
- Everything in Scale
- Dedicated account manager
- Custom SLAs
- White-label options
- Same-day payouts
- Custom integrations
- 24/7 support
All plans include: No setup fees · No monthly minimums · Cancel anytime
Public canonical pricing is 2.9% + KES 30 (see the pricing page). Custom pricing may apply for approved verticals or enterprise agreements.
Security & Compliance
Enterprise-grade security
Your funds and data are protected by industry-leading security standards.
Licensed Payment Partner
Settlement is operated through licensed payment partners in Kenya. Direct CBK licensing is on our roadmap.
PCI DSS Aligned
Card data handling follows PCI DSS controls via our licensed payment partner.
Audit-Logged Controls
Sensitive actions are append-only logged; SOC 2 Type II is on the security roadmap.
TLS 1.2+ & AES-256
TLS 1.2+ in transit and AES-256 at rest. Secrets are managed in Lovable Cloud.
ArosaPay Ltd facilitates conditional settlement through licensed payment partners in Kenya. Buyer funds sit in segregated client-funds accounts at our licensed banking partner, separate from ArosaPay operating funds. Direct CBK licensing is on our roadmap.
Ready to scale your platform?
Talk to our enterprise team about volume pricing, custom integrations, and dedicated support.