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    Buyer Protection

    Confirmation-based
    payment protection.

    Funds release only after you confirm satisfaction. Browse verified merchants with structured checkout protection.

    Protection Framework

    How buyers are protected

    Confirmation-Based Settlement

    Funds are captured at checkout and held by our licensed payment partner until you confirm satisfaction

    M-Pesa Integration

    Pay seamlessly with Kenya's primary mobile payment infrastructure

    Structured Inspection Period

    7–30 day inspection window to verify quality before fund release

    Dispute Resolution

    Evidence-based resolution process with structured mediation

    Conditional settlement

    ArosaPay funds flow

    How buyer payments move from checkout to conditional merchant settlement. ArosaPay separates payment collection from final merchant settlement — funds are secured first and released only after satisfaction is confirmed or predefined conditions are met.

    • Funds movement
    • Status / confirmation signal
    • Successful release path
    • Review or exception path

    1. Phase 1 · Checkout

      Buyer

      Selects goods or services

      Initiated

      Merchant

      Offers ArosaPay checkout

      ArosaPay

      Creates transaction record

      Initiated

    2. Phase 2 · Payment

      Buyer

      Authorises payment

      Payment / settlement partner

      Processes payment

      Paid

      ArosaPay

      Records payment status

    3. Phase 3 · Safeguarded

      Payment / settlement partner

      Payment safeguarded before release

      Funds safeguarded

      ArosaPay

      Awaiting confirmation

      Awaiting confirmation

    4. Phase 4 · Fulfilment

      Merchant

      Ships product or delivers service

      In fulfilment

      Buyer

      Receives product or service

    5. Phase 5 · Confirmation

      ArosaPay

      Satisfied or release conditions met?

      Decision

    6. Phase 6 · Outcome

      Release path

      ArosaPay

      Issues release instruction

      Confirmed

      Payment / settlement partner

      Settles funds to merchant

      Released

      Merchant

      Receives settlement

      Settled

      Dispute path

      ArosaPay

      Enters dispute workflow

      Disputed

      Payment / settlement partner

      Funds remain held

      Under review

      Outcome

      Resolution decision

      Refunded · Partial · Released

    7. Phase 7 · Audit

      ArosaPay

      Records full audit trail

      Audit trail updated

      Outcome

      Closed

      Closed

    Final payment, safeguarding, settlement, and payout configuration depends on ArosaPay's approved payment and banking partner setup.

    1. Phase 1 — Checkout. Buyer: Selects goods or services. Status: Initiated. Merchant: Offers ArosaPay checkout. ArosaPay: Creates transaction record. Status: Initiated.
    2. Phase 2 — Payment. Buyer: Authorises payment. Payment / settlement partner: Processes payment. Status: Paid. ArosaPay: Records payment status.
    3. Phase 3 — Safeguarded. Payment / settlement partner: Payment safeguarded before release. Status: Funds safeguarded. ArosaPay: Awaiting confirmation. Status: Awaiting confirmation.
    4. Phase 4 — Fulfilment. Merchant: Ships product or delivers service. Status: In fulfilment. Buyer: Receives product or service.
    5. Phase 5 — Confirmation. ArosaPay: Satisfied or release conditions met?.
    6. Phase 6 — Outcome. ArosaPay: Issues release instruction. Status: Confirmed. Payment / settlement partner: Settles funds to merchant. Status: Released. Merchant: Receives settlement. Status: Settled. ArosaPay: Enters dispute workflow. Status: Disputed. Payment / settlement partner: Funds remain held. Status: Under review. Outcome: Resolution decision. Status: Refunded · Partial · Released.
    7. Phase 7 — Audit. ArosaPay: Records full audit trail. Status: Audit trail updated. Outcome: Closed. Status: Closed.