SOLUTIONS · ELECTRONICS & TECH
Protected checkout for electronics and tech purchases.
For phones, laptops, accessories, and other high-value tech orders, ArosaPay safeguards payment before release and ties settlement to the agreed condition — buyer confirmation, delivery proof, review window expiry, or dispute outcome.
Payment safeguarded before dispatch · Released after confirmation · Review path if something goes wrong
TRANSACTION STATE
THE RISK
Why electronics need protected checkout
Electronics purchases carry concentrated risk because condition is often confirmed after delivery.
Buyer concerns
- device condition may differ from the listing
- battery health may be unclear
- accessories may be missing or not original
- screen, ports, camera, or keyboard issues may appear after inspection
- seller communication may break down after payment
Seller concerns
- buyer wants to inspect before release
- buyer may claim issues after handover
- payment confirmation may be unclear
- disputes can become informal and difficult to resolve
- high-value orders are harder to close without trust
ArosaPay does not replace careful inspection. It gives both sides a structured transaction record, release condition, and review path.
LIFECYCLE
How protected checkout works for electronics
- 01
Create the transaction
Buyer and seller agree on the item, amount, release condition, and review window before payment is safeguarded.
- 02
Payment is safeguarded
The buyer pays into the protected checkout flow. Payment is not released to the seller yet.
- 03
Device is delivered or handed over
The seller fulfills the order. Photos, chat records, delivery proof, or item details may be attached to the transaction.
- 04
Buyer checks the device
The buyer checks the device against the agreed condition. The applicable review window is defined in the transaction terms.
- 05
Confirm or report an issue
If the device is received as agreed, the buyer confirms. If there is a problem, the transaction moves into review before release, refund, or partial resolution.
CAPABILITIES
Built for electronics where condition matters
Device condition checklist
Guide buyers to document screen, camera, ports, battery, accessories, and visible condition before confirmation.
Evidence-ready transaction record
Photos, messages, receipts, delivery notes, and item details can be attached to the transaction if review is needed.
Release condition shown upfront
Both sides can see what must happen before settlement is released.
Review path if contested
If the buyer reports a problem, release is paused while evidence is reviewed.
Seller confidence
Sellers see that payment has been safeguarded before fulfillment begins.
Buyer confidence
Buyers know payment is not released until confirmation or the agreed condition is met.
EXAMPLE SCENARIOS
How electronics transactions typically look
Illustrative examples for orientation only. Not real customer stories.
SCENARIO 01
Used phone purchase
A buyer wants to purchase a used phone but needs to confirm condition after delivery. The transaction records the amount, item description, release condition, and review window before payment is safeguarded.
SCENARIO 02
Laptop resale
A seller wants confidence that the buyer has funded the transaction before handover. ArosaPay shows the safeguarded payment status and release condition.
SCENARIO 03
Condition dispute
A buyer reports that the item differs from the agreed description. Release pauses while evidence is reviewed against the transaction record.
PRICING
Canonical pricing for electronics transactions
Custom pricing may apply for approved high-value categories, enterprise merchants, or risk-adjusted transaction profiles.
Standard pricing
- Standard fee
- 2.9% + KES 30
- Minimum fee
- KES 100
- Charged on
- Completed transactions only
Example calculation
- Item price
- KES 85,000
- Fee (2.9% + KES 30)
- KES 2,495
- Net before any other approved charges
- KES 82,505
COMPARISON
Direct purchase risk vs protected checkout
Direct purchase
- Payment may move before condition is confirmed
- Item issues can become informal disputes
- Evidence may be scattered across messages
- Seller and buyer may not share the same transaction record
ArosaPay
- Payment is safeguarded before release
- Release condition is visible in the transaction
- Evidence can be attached if review is needed
- Buyer, seller, and admin work from one transaction record
REVIEW
Review path if something goes wrong
If a buyer reports a problem, the transaction moves into review. Evidence may be requested from the buyer, seller, or both before release, refund, or partial resolution.
Possible review reasons
- item not received
- wrong item delivered
- item condition differs from transaction record
- damaged item reported
- missing accessories
- seller or buyer non-response
- other issue requiring review
MERCHANT POLICY
Seller profiles and limits
ArosaPay may apply transaction limits, review windows, or additional checks based on merchant profile, transaction value, category, and risk history.
Approved merchants can see applicable limits and settlement rules during onboarding or in their merchant agreement.
FOR DEVELOPERS
Signed events for electronics transactions
Developers can receive signed events for material transaction state changes, including payment safeguarding, fulfillment, buyer confirmation, review, settlement release, and refund outcomes.
transaction.funds_safeguardedPayment received into protected checkout.
transaction.fulfilledSeller has marked the device delivered or handed over.
transaction.buyer_confirmedBuyer confirmed the device against the agreed condition.
transaction.under_reviewA problem was reported; release is paused pending evidence.
transaction.settlement_releasedFunds released to the seller.
transaction.refundedFull or partial refund issued to the buyer.
FAQ
Common questions about protected electronics checkout
Buy and sell electronics with clearer release rules.
Payment is safeguarded before release. Confirmation, review windows, and disputes stay attached to one transaction record.