SOLUTIONS · MOTORS & VEHICLES
Protected checkout for vehicle purchases.
For vehicle deposits, handovers, inspections, and document-dependent transactions, ArosaPay safeguards payment before release and ties settlement to the agreed condition — buyer confirmation, inspection outcome, handover confirmation, review window expiry, or dispute outcome.
Payment safeguarded before release · Released by agreed condition · Review path if contested
TRANSACTION STATE
THE PROBLEM
Why vehicle purchases need clearer release rules
Vehicle purchases carry concentrated risk because inspection, documents, payment, and handover often happen across different moments.
Buyer concerns
- ·Vehicle condition may differ from the listing
- ·Mechanical issues may only appear after inspection
- ·Mileage, ownership documents, or handover details may need review
- ·Payment may move before the buyer is satisfied
- ·Evidence may be scattered across calls, WhatsApp, and paper records
Seller concerns
- ·Buyer wants confidence before release
- ·Inspection periods can delay closure
- ·Payment confirmation can be unclear
- ·Disputes can become informal and difficult to resolve
- ·High-value handovers need a clearer transaction record
ArosaPay does not replace mechanic inspection, NTSA verification, legal advice, or ownership due diligence. It gives both sides a structured transaction record, release condition, evidence trail, and review path.
LIFECYCLE
Transaction lifecycle
One governed path from payment safeguarding to release.
01
FUNDS SAFEGUARDED
funds_safeguarded
Payment is safeguarded against the transaction record. Settlement is not released to the seller yet.
02
IN INSPECTION / HANDOVER
in_fulfillment
Buyer and seller complete the agreed inspection, handover, or document milestone. Evidence may be attached where supported.
03
AWAITING CONFIRMATION
awaiting_confirmation
Buyer confirmation, review window expiry, or another agreed release condition is awaited.
04
RELEASE PENDING
release_pending
The release condition has been met. Settlement action is pending completion.
05
SETTLEMENT RELEASED
settlement_released
Settlement has been released according to the approved transaction outcome.
EXCEPTION PATH
UNDER REVIEW
under_review
If either party reports a problem, release is paused while evidence is reviewed.
EVIDENCE REQUESTED
evidence_requested
Buyer, seller, or both may be asked to provide supporting evidence.
RESOLUTION DECISION
resolution_decision
The transaction resolves to settlement release, refund, or partial resolution.
Release is blocked while the transaction is under review.
HOW IT WORKS
How protected checkout works for vehicle transactions
01
Create the transaction
Buyer and seller agree on the vehicle, amount, release condition, review window, and supporting terms.
02
Payment is safeguarded
The buyer pays through ArosaPay's protected checkout flow. Payment is attached to the transaction record and is not released yet.
03
Inspect or complete handover
The buyer completes the agreed inspection, test drive, document review, or handover process independently or with their chosen professionals.
04
Attach evidence where needed
Photos, inspection notes, agreement records, handover notes, or other documents may be attached to the transaction if review is needed.
05
Confirm or report an issue
If the agreed condition is met, the buyer confirms. If there is a problem, the transaction moves into review before release, refund, or partial resolution.
FEATURES
Built for vehicle transactions where inspection matters
Release condition upfront
Buyer and seller agree what must happen before settlement is released — confirmation, inspection outcome, handover, document milestone, or review window expiry.
Evidence-ready transaction record
Photos, inspection notes, chat records, handover notes, and supporting documents can be attached where supported.
Review path if contested
If the buyer or seller reports a problem, release pauses while evidence is reviewed against the transaction record.
High-value transaction visibility
Both sides can see the transaction amount, current status, release condition, and next step.
Seller confidence
The seller can see that payment has been safeguarded before handover or fulfillment begins.
Buyer confidence
The buyer can inspect according to the agreed condition before release.
Independent verification evidence
ArosaPay may allow parties to attach third-party inspection or document-check evidence. ArosaPay does not replace official ownership, NTSA, legal, or mechanic verification unless a specific approved service is enabled.
PRICING
Motors pricing
Custom pricing may apply for approved dealers, enterprise merchants, high-value transactions, or risk-adjusted vehicle flows.
Standard motors pricing
Applies where the motors cap is approved.
- Standard fee
- 2.9% + KES 30
- Minimum fee
- KES 100
- Motors cap
- KES 100,000
- Charged on
- Completed transactions only
Worked examples
Illustrative only. Actual pricing depends on approved terms.
- KES 500,000 vehicle
- KES 15,030
- KES 1,500,000 vehicle
- KES 45,030
- KES 5,000,000 vehicle
- KES 100,000 (capped)
- KES 10,000,000 vehicle
- KES 100,000 (capped)
REVIEW PATH
Review path if a vehicle transaction is contested
If a vehicle transaction is contested, release pauses while evidence is reviewed. Evidence may be requested from the buyer, seller, or both before settlement release, refund, or partial resolution.
Possible review reasons
- ·Vehicle condition differs from transaction record
- ·Inspection issue reported
- ·Handover not completed
- ·Document milestone contested
- ·Vehicle not received or not made available
- ·Agreed terms changed
- ·Party non-response
- ·Other issue requiring review
DEALERS
Dealer profiles and limits
ArosaPay may apply transaction limits, review windows, additional checks, or custom settlement rules based on:
Merchant profile
Vehicle category
Transaction value
Risk history
Approved agreement
Approved dealers and merchants can see applicable limits and settlement rules during onboarding or in their merchant agreement.
EXAMPLE SCENARIOS
Illustrative vehicle transaction scenarios
These are examples, not customer testimonials.
Example
Used vehicle purchase
A buyer and seller agree on a vehicle price, inspection window, and release condition. Payment is safeguarded before handover. After inspection, the buyer confirms or reports an issue.
Example
Dealer sale
A dealer wants payment certainty before releasing a vehicle for inspection or handover. ArosaPay shows the safeguarded transaction status and agreed release condition.
Example
Inspection issue
A buyer reports an issue during the agreed review window. Release pauses while supporting evidence is reviewed against the transaction record.
FOR DEVELOPERS
Webhook events
Developers can receive signed events for material transaction state changes where enabled for approved vehicle integrations.
- transaction.funds_safeguarded
- transaction.inspection_started
- transaction.handover_recorded
- transaction.buyer_confirmed
- transaction.under_review
- transaction.settlement_released
- transaction.refunded
- transaction.partial_resolution
FAQ
Frequently asked questions
Move vehicle payments under clearer release rules.
Payment is safeguarded against a transaction record. Release follows buyer confirmation, agreed inspection outcome, review window expiry, or dispute resolution.
Sellers: 2.9% + KES 30, capped at KES 100,000 where approved. Buyer fee treatment depends on approved transaction terms.