How SafePay4U Works
Calm, neutral, and simple. SafePay4U protects bigger transactions by holding funds in escrow until both sides complete the steps you agree to.
Watch How SafePay4U Works
2-minute explainer video
The 5-Step Timeline
A clear, secure process that protects both buyers and sellers
1
Create the Deal
Choose template, set terms, invite party
2
Verify & Fund
Complete verification, fund escrow
3
Ship/Transfer
Seller ships, provides proof
4
Inspect
Buyer reviews, approves or disputes
5
Release & Payout
Funds released to seller
Step Details
Create the Deal
- Choose a template (Vehicles, Equipment, Domains, or Milestone Services).
- Enter amount, inspection window, and fee arrangement.
- Invite the other party by email or share a link.
Verify & Fund
- Light verification based on deal size and payout method.
- Buyer funds escrow (card, ACH, or bank wire).
Ship/Transfer
- Seller uploads tracking or transfer proof.
- Both parties see status updates.
Every step is time-stamped in an immutable event log, and both sides receive a receipt package at completion.
Transparent Pricing
No hidden fees. Know exactly what you'll pay before you start.
Escrow Service Fee (USD)
| Transaction Amount | Fee | Example Fee on Max Amount |
|---|---|---|
| $0 — $5,000 | 3.5% | $175 |
| $5,000.01 — $50,000 | 3.0% | $1,500 |
| $50,000.01 — $200,000 | 2.5% | $5,000 |
| $200,000.01 — $500,000 | 2.3% | $11,500 |
| $500,000.01 — $1,000,000 | 1.9% | $19,000 |
| $1,000,000.01 — $3,000,000 | 1.7% | $51,000 |
| $3,000,000.01 — $5,000,000 | 1.6% | $80,000 |
| $5,000,000.01 — $10,000,000 | 1.5% | $150,000 |
| $10,000,000.01+ | 1.5% | Custom Quote |
Who pays? Buyer, seller, or split 50/50—you choose during setup (and the calculator shows each party's share instantly).
Templates by Use Case
Specialized templates for different types of transactions
Vehicles
VIN, title status, bill of sale; shipping/tracking proof; 72-hour inspection standard.
Equipment
Model/serial, condition photos (6+ angles), BOL/PRO; power-on test on arrival; 72-hour inspection.
Domains/Websites
Registrar & auth code, WHOIS/transfer confirmation; 48-72-hour inspection for access and control.
Milestone Services
Deposit → Sprint → Acceptance → Release; per-milestone inspection and disputes.
Verification Tiers
Choose the right level of verification for your transaction needs
Basic
Individuals
- Email/phone + light ID check
- Intended for smaller deals and card funding
- Payout limits apply
Verified
Individuals & Businesses
- Government ID + address; businesses add EIN and beneficial owners
- Faster payout eligibility and higher limits
- Recommended for vehicles, equipment, and most domain deals
Business+
Higher Limits & Volume
- Enhanced business verification and account reviews
- Highest payout limits and tailored payout windows
- Great for brokers/dealers
Real-World Examples
See how SafePay4U works in practice
Example A — $2,000 equipment part (split fees)
- Escrow fee: 3.5% × $2,000 = $70 → $35 per party
- Buyer funds by card (processor pass-through).
- Seller ships; buyer approves within 72 hours; payout issued next business day.
Example B — $12,000 vehicle purchase (buyer pays fees, ACH)
- Escrow fee: $5,000 @3.5% = $175 + $7,000 @3.0% = $210 → $385 total
- Buyer funds via ACH; seller uploads carrier BOL; buyer approves after delivery and title check.
Example C — $55,000 domain + site (split fees, wire)
- Escrow fee: $1,525 total → $762.50 per party
- Transfer verified; buyer approves; wire payout sent.
Frequently Asked Questions
Straight answers to common questions
Is this the same as PayPal "buyer protection"?
No—PayPal protections are post-purchase reimbursements and chargebacks. SafePay4U is neutral escrow: we hold funds and release only when the agreed steps are completed or a decision is made.
Who decides the inspection period?
You do. The creator sets it during setup; defaults exist per template (e.g., 72 hours for vehicles/equipment).
When do sellers get paid?
After the buyer approves release (or after a dispute is resolved) and the seller's verification is complete. Verified sellers are eligible for same/next business day payout (bank-rail dependent).
Can we change who pays the fee?
Yes—buyer, seller, or split. You set it in the deal and you'll both see the exact amounts.
What if the other party goes silent?
Timers and automatic nudges keep the deal moving. If time expires or a party is unresponsive, you can escalate to mediation from inside the deal.
Ready to Get Started?
Join thousands of buyers and sellers who trust SafePay4U for their important transactions
Start Your Secure Transaction