Payments

Unified payment infrastructure powered by YeboSafe.

DRAFT

This section is under design. Details subject to change.

Overview

Yebo has a unified wallet that works across all products. Users can:

• Receive payments (sales, invoices)
• Make payments (purchases, fees)
• Withdraw to M-Pesa or bank

Payment Methods

Method	Supported	Use Case
M-Pesa	✅ Kenya	Primary for KE users
Airtel Money	🔜	Coming soon
MTN Mobile Money	🔜	Ghana, Uganda, etc.
Card (Visa/MC)	✅	Via Stripe
Bank Transfer	✅	Large withdrawals

Flow: Collect Payment

When someone buys something on Yebo:

Buyer clicks "Pay KES 800"
        ↓
Yebo sends M-Pesa STK push to buyer's phone
        ↓
Buyer enters PIN on their phone
        ↓
M-Pesa confirms payment
        ↓
Seller's Yebo wallet credited
        ↓
Goods shipped, funds released

Flow: Withdraw

User: "Withdraw 5000 to M-Pesa"
        ↓
Yebo checks wallet balance
        ↓
Yebo initiates M-Pesa B2C transfer
        ↓
User receives money on phone
        ↓
Wallet balance updated

Escrow (YeboSafe)

For marketplace transactions:

1. Buyer pays → Funds held in escrow
2. Seller ships goods
3. Buyer confirms delivery
4. Funds released to seller

If dispute:

• Either party can open dispute
• Yebo mediates
• Funds released based on decision

Open Questions

• [ ] Transaction fees structure?
• [ ] Escrow hold duration?
• [ ] Dispute resolution process?
• [ ] Multi-currency support?