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    Enterprise Payment Infrastructure

    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

    J
    K
    W
    C
    T

    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.

    Split paymentsVendor managementDispute resolution
    Learn more

    Platforms

    White-label payment protection infrastructure for SaaS platforms and service aggregators.

    Custom brandingAPI webhooksReal-time tracking
    Learn more

    Rental Apps

    Deposit protection for property rentals with move-in/move-out verification.

    Deposit holdsInspection workflowsAutomated releases
    Learn more

    Service Apps

    Milestone-based payments for freelance platforms and gig economy services.

    Milestone trackingDeliverable approvalTime-based release
    Learn more

    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);
    Test mode availableSandbox environmentWebhook testing

    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

    2.9% + KES 30per transaction

    <50 transactions/month

    • Full API access
    • Standard webhooks
    • Email support
    • Basic analytics
    • 7-day payouts
    Start merchant application
    Most Popular

    Scale

    For established platforms

    2.9% + KES 30per transaction

    50-500 transactions/month

    • Everything in Growth
    • Priority support
    • Advanced analytics
    • Custom webhooks
    • 3-day payouts
    • Multi-user access
    Start merchant application

    Enterprise

    For high-volume platforms

    Custom

    500+ transactions/month

    • Everything in Scale
    • Dedicated account manager
    • Custom SLAs
    • White-label options
    • Same-day payouts
    • Custom integrations
    • 24/7 support
    Talk to Sales

    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.

    No setup feesNo monthly minimumsStart in minutes