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    SOLUTIONS · REAL ESTATE & RENTALS

    Protected checkout for rental and property deposits.

    For approved rental deposits, property deposits, and inspection-based property transactions, ArosaPay safeguards payment against a transaction record and releases it only according to the agreed condition — move-in confirmation, inspection outcome, signed acknowledgement, review window, or dispute outcome.

    Start merchant applicationRead the dispute processView transaction terms

    Deposit payment safeguarded · Released by agreed condition · Review path if contested

    TRANSACTION STATE

    FUNDS SAFEGUARDED
    CONDITION DOCUMENTED
    AWAITING CONFIRMATION
    SETTLEMENT RELEASED
    UNDER REVIEW · IF CONTESTED

    For tenants

    Understand how a deposit transaction can show release conditions, status, and review path.

    For landlords

    Create clearer deposit records with documented conditions, evidence, and release workflow.

    For agents

    Coordinate approved deposit flows with shared transaction records and status visibility.

    THE RISK

    Why deposits need clearer release rules

    Rental and property deposits can become difficult when both sides remember the property condition differently.

    Tenant concerns

    • move-in condition may not be documented clearly
    • deductions may be unclear or contested
    • communication may be scattered across WhatsApp, calls, and paper agreements
    • refund timing may not be visible
    • disputes can become emotional and informal

    Landlord concerns

    • property condition may change during tenancy
    • damage and normal wear may be disputed
    • repair costs may be hard to document
    • tenant communication may break down
    • deposit deductions may be challenged without a shared record

    ArosaPay does not replace a lease, legal advice, or property inspection. It gives both sides a structured transaction record, release condition, evidence trail, and review path.

    LIFECYCLE

    How protected checkout works for deposits

    1. 01

      Create the deposit transaction

      The tenant, landlord, or agent records the deposit amount, property reference, release condition, review window, and supporting terms.

    2. 02

      Payment is safeguarded

      The tenant pays through the protected checkout flow. Payment is attached to the transaction record and is not released until the agreed condition is met.

    3. 03

      Move-in condition is documented

      Photos, notes, documents, or acknowledgements may be attached to the transaction where supported.

    4. 04

      Tenancy or agreement continues

      The deposit remains linked to the transaction record, release condition, and review path.

    5. 05

      Release, refund, or review

      At the agreed milestone, the parties confirm the outcome. If contested, the transaction moves into review before release, refund, or partial resolution.

    CAPABILITIES

    Built for deposits where condition and evidence matter

    Shared transaction record

    Deposit amount, property reference, release condition, status, and supporting evidence stay attached to one record.

    Move-in / move-out evidence

    Photos, notes, documents, and acknowledgements can be attached where supported, so both sides can refer to the same record.

    Condition-based release

    Release depends on the condition written into the transaction before payment is safeguarded.

    Review path if contested

    If a party reports a problem, release is paused while evidence is reviewed.

    Agent and landlord visibility

    Approved landlords or agents can track deposit status, required evidence, and release conditions.

    Tenant clarity

    Tenants can see the deposit status, release condition, and next step.

    EXAMPLE SCENARIOS

    How deposit transactions typically look

    Illustrative examples for orientation only. Not real customer stories.

    SCENARIO 01

    Apartment deposit

    A tenant and landlord create a deposit transaction with a documented release condition and move-in evidence. At move-out, both sides compare the transaction record before release or review.

    SCENARIO 02

    Property manager

    An agent managing multiple units wants a clearer record of deposits, release conditions, and evidence for each property.

    SCENARIO 03

    Contested deduction

    A landlord reports damage and uploads supporting evidence. The tenant responds with move-in photos. Release pauses while the evidence is reviewed.

    PRICING

    Pricing for approved deposit flows

    Real estate and rental-deposit pricing may vary by transaction value, property type, risk profile, and approved merchant agreement.

    Canonical pricing

    Applies where no real-estate exception is agreed.

    Standard fee
    2.9% + KES 30
    Minimum fee
    KES 100
    Charged on
    Completed transactions only

    Real-estate exception

    May apply where approved for a specific deposit flow.

    Fee
    2.5% + KES 30
    Cap
    KES 150,000
    Availability
    Approved deposit flows only
    View full pricing

    COMPARISON

    Traditional deposit risk vs protected checkout

    Traditional deposit

    • deposit may be paid before condition is documented
    • move-in evidence may be incomplete
    • deductions may be disputed later
    • evidence may be scattered across messages
    • refund timing may be unclear

    ArosaPay protected checkout

    • payment is linked to a transaction record
    • release condition is visible upfront
    • evidence can be attached where supported
    • contested release moves into review
    • outcome remains tied to one transaction record

    REVIEW

    Review path if release is contested

    If a deposit release is contested, the transaction moves into review. Evidence may be requested from the tenant, landlord, agent, or relevant party before release, refund, or partial resolution.

    Possible review reasons

    • move-in condition contested
    • move-out condition contested
    • deposit deduction disputed
    • property not as described
    • supporting evidence missing
    • party non-response
    • agreement milestone contested
    • other issue requiring review

    MERCHANT POLICY

    Approved profiles and limits

    ArosaPay may apply transaction limits, review windows, or additional checks based on merchant profile, property type, transaction value, category, and risk history.

    Approved merchants, landlords, or agents can see applicable limits and settlement rules during onboarding or in their agreement.

    FOR DEVELOPERS

    Signed events for deposit transactions

    Developers can receive signed events for material transaction state changes where enabled for approved integrations.

    • transaction.funds_safeguarded

      Deposit payment received into protected checkout.

    • transaction.condition_documented

      Move-in evidence or agreed condition attached to the transaction.

    • transaction.release_requested

      A party has requested release under the agreed condition.

    • transaction.under_review

      Release is paused while evidence is reviewed.

    • transaction.settlement_released

      Funds released to the receiving party.

    • transaction.refunded

      Full refund issued.

    • transaction.partial_resolution

      Split outcome recorded between the parties.

    View API documentation View webhook documentation View reconciliation docs

    FAQ

    Common questions about protected deposit checkout

    Create clearer release rules for property deposits.

    Payment is safeguarded against a transaction record. Release follows the agreed condition, confirmation, or review outcome.

    Start merchant applicationRead the dispute process