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RBCPAY GENERAL TRANSACTIONS

A clear process for
high-value purchases

Rbcpay helps buyers and sellers document transaction terms, payment status, delivery or service completion, inspection, approval and funds release for a wide range of eligible purchases.
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Verified participants

Clear transaction terms

Trackable delivery

Inspection and evidence

Buyer approval before release

General transactions supported

General merchandise

New high-value consumer and business goods.

Commercial equipment

Machinery, tools and workplace equipment.

Electronics

Computers, displays, appliances and devices.

Furniture and fixtures

Residential, office and commercial furnishings.

Bulk and wholesale orders

Documented quantities and multi-package shipments.

Custom orders

Made-to-order goods with agreed specifications.

Professional services

Clearly defined deliverables and completion evidence.

Other eligible purchases

Transactions accepted under platform rules.

A clear seven-step general transaction

1

Identify the purchase

Record the exact goods or service, quantity, condition, specifications and included items.

2

Verify the parties

Confirm buyer, seller, business representatives, brokers and signing authority.

3

Agree on terms

Set price, currency, delivery, inspection, acceptance, dispute and release conditions.

4

Submit funds

Buyer submits the agreed amount through Rbcpay's protected payment process.

5

Deliver or complete

Seller ships the goods or completes the documented service.

6

Inspect and approve

Buyer reviews the purchase and evidence during the agreed inspection period.

7

Release and complete

Funds release follows the documented transaction terms and buyer approval.

An invoice, shipment notice or delivery scan does not by itself complete the transaction. Release follows the agreed inspection and approval requirements.

Build the transaction record

  • Buyer, seller or service provider name
  • Detailed description and specifications
  • Quantity, unit price and total price
  • New, refurbished or other agreed condition
  • Serial, model, SKU or identifying numbers
  • Included accessories and exclusions
  • Delivery address and responsible carrier
  • Inspection period and acceptance standard
  • Warranty, return and correction terms
  • Release conditions and authorised approver
Attach the signed agreement, quote, invoice, specifications and amendments to the transaction record.

Choose the completion method

Physical goods

Overview → Pack → Ship → Deliver → Inspect

Evidence

Photographs, serial records, packing records, tracking and delivery confirmation.

Professional services

Define scope → Perform work → Submit deliverable → Review → Accept

Evidence

Reports, files, completion records, revisions and buyer approval.

Custom or bulk orders

Approve specification → Produce → Inspect → Ship → Confirm quantity

Evidence

Samples, production records, inspection, inventory and package count.

Evidence before delivery or completion

Current photographs

Specifications and model numbers

Serial numbers and inventory

Ownership or seller authority

Condition records

Packing and package count

Shipping and tracking

Service completion evidence

Evidence requirements must be objective enough for both parties to understand what proves completion.

Delivery options

Approved trackable carrier

Route, tracking, signature and delivery evidence.

Specialised freight

Pallet, crate, lift-gate or valuable-goods handling.

In-person handover

Identity confirmation and signed receipt.

Multiple packages

Package count, individual tracking and shortage reporting.

Digital delivery

File access, credentials and completion confirmation.

On-site service

Attendance, work record, tests and signed completion.

⚠  Do not change the carrier, delivery address, recipient, account credentials or completion instructions based only on an unverified message.

Inspection and acceptance

Identity

Confirm exact item, model, quantity, serials and documents.

Condition

Check damage, completeness, packaging and visible defects.

Function

Verify power on, operation, agreed test or service outcome.

Acceptance

Record deficiencies, corrections, approval and the supporting record.

The inspection scope, deadline and consequences of rejection must be written into the transaction before funds are submitted.

Protection against common general transaction risks

1

False seller identity

Verify business identity, address and authority.

2

Goods that do not exist

Confirm existence with verifiable evidence.

3

Counterfeit products

Verify authenticity with documents and tests.

4

Product substitution

Confirm the exact item and approved specifications.

5

Used goods sold as new

Verify condition and request current photographs.

6

Altered serial numbers

Verify serials with the manufacturer or source.

7

Short or partial shipment

Verify quantity and package counts on arrival.

8

Empty-box delivery

Confirm contents before approving and releasing.

9

False tracking

Verify tracking directly with the actual carrier.

10

Unverified address changes

Confirm changes through recorded communications.

11

Overpayment and refund requests

Confirm the amount and refund terms in writing.

12

Service scope misrepresentation

Confirm scope, deliverables and limitations.

Benefits for every participant

For buyers

  • Review exact terms before submitting funds
  • Verify the seller and purchase details
  • Track delivery or service completion
  • Use an agreed inspection period
  • Document damage, shortages or deficiencies
  • Approve only when conditions are satisfied

For sellers

  • Work from one recorded agreement
  • Confirm transaction and payment status
  • Document condition, packing and delivery
  • Preserve service and completion evidence
  • Respond to documented discrepancies
  • Receive release after agreed conditions are met

For brokers

  • Document authority and participant roles
  • Coordinate buyer and seller communication
  • Preserve a traceable transaction history
  • Support large or multi-party purchases
  • Record commissions and responsibilities
  • Reduce risk from off-platform instructions

Cross-border general transactions

  • Buyer, seller and consignee legal names
  • Country of origin and final destination
  • Accurate goods or service description
  • Currency and exchange responsibility
  • Export and import documentation
  • Customs value, duties and taxes
  • Carrier and chain-of-custody records
  • Restricted or regulated goods review
  • Inspection location and deadline
  • Release conditions for delays or holds
Participants remain responsible for determining whether goods or services may legally be sold, exported, imported, delivered or used.

If the purchase does not match

Pause

Do not approve or authorise release.

Document

Preserve photographs, serials, tracking, reports and messages.

Report

Open a dispute within the applicable inspection period.

Review

Follow the documented dispute procedure and transaction terms.

⚠  Do not use, alter, repair, resell or dispose of disputed goods unless the applicable procedure permits it.

Before buyer approval, the final checklist

  • Correct item or service received
  • Description and specifications match
  • Quantity and package count verified
  • Condition matches the agreement
  • Serial or model numbers confirmed
  • Accessories and documents included
  • Delivery or completion evidence reviewed
  • Inspection or testing completed
  • Required corrections completed
  • Warranty or service information received
  • All discrepancies resolved or formally reported
  • You are ready to authorise approval

General transaction resources

Transaction checklist

View checklist

Approved carriers

View carriers

Inspection guide

Review inspection

Fraud prevention

Review risks

Dispute procedure

View process

Milestone transactions

Learn milestones

Frequently asked questions

High-value consumer and business goods, commercial equipment, electronics, furniture and fixtures, bulk and wholesale orders, made-to-order goods and clearly defined professional services. Anything accepted under the platform rules and lawful in the relevant jurisdictions.
The exact description and specifications, quantity, unit and total price, the agreed condition, any serial, model or SKU numbers, included accessories and exclusions, the delivery address and carrier, the inspection period and acceptance standard, warranty and return terms, and who is authorised to approve.
Record the package count and track each package individually, so a shortage can be reported against a specific package rather than argued about across the whole shipment.
Yes. For services the deliverable, the acceptance standard, the reviewer and the review period are recorded in the same way as for goods, and approval follows the completion evidence rather than an invoice.
Do not approve. Photograph the packaging, contents, serials and any damage, record the package count, and open a dispute within the inspection period. Do not use, alter, repair, resell or dispose of the disputed goods.
When the goods or service and the required evidence satisfy the acceptance standard and the buyer approves within the inspection period. A shipment notice or a delivery scan does not by itself release funds.

Start a general marketplace transaction

Document the purchase. Verify the parties. Deliver or complete. Inspect the result. Approve the transaction. Trigger funds release.
Start general transaction
Transaction support
Rbcpay is a marketplace transaction platform, not a bank, trustee, escrow agent, retailer, manufacturer, appraiser, carrier, inspector or service agent. Platform features, payment handling and funds release depend on transaction terms, payment method, service providers, jurisdiction and applicable law.