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Getting started

New to Rbcpay? Learn the basics and set up your account. This page takes you from creating an account through to your first completed transaction.

Free to create an account

Identity verification

Terms agreed before payment

Inspect before you approve

Funds released on approval

The idea

Neither side has to move first

Every deal between two people who have not dealt with each other before starts with the same unfair choice. Either the buyer pays and hopes the goods arrive, or the seller ships and hopes the money follows.

Rbcpay removes that choice. The buyer pays Rbcpay rather than the seller. The seller is told the funds are secured and ships. The buyer checks what arrived. Only then is the seller paid, and the payment cannot be charged back.

What this means for you

You never pay the other party directly
The terms are written down before any money moves
You get an agreed period to check what arrived
Nothing is released until you approve it
Once complete, the payment is final for both sides

Set up your account in four steps

1

Create your account

2

Verify your identity

Identity verification applies to both sides of every transaction. It is what makes it hard for anyone to operate anonymously.

3

Complete your profile

Add your legal name, telephone and address so payments and documents can be matched to you.

4

Receive your account number

Your Rbcpay account number is issued automatically and stays with you for every transaction.

The four numbers you will see

Each one answers a different question, and they never change once issued.

Account number

RBP-CA-10000008

Identifies you. One per customer, issued once and never reused. Business accounts carry a BIZ segment.

Contract number

RBP-CTR-2026-008421

Identifies one deal. Everything attached to that deal, the parties, terms, documents, payment and delivery, hangs off this number.

Transaction ID

RBP-TX-20260829-18425

Identifies a single transaction inside a contract. A staged deal has several, a simple deal has one.

Case number

RBP-DSP-2026-000147

Identifies a dispute raised against a contract, so it can be tracked separately.

Your first transaction

The five steps are the same whichever side you are on. What changes is what you are responsible for.

If you are buying

Agree the item, price, delivery and inspection period in writing
Pay Rbcpay, never the seller directly
Wait for confirmation that the seller has shipped
Inspect what arrives against what was agreed
Approve only when you are satisfied, or raise an issue before the window closes

If you are selling

Agree the same terms before anything is funded
Wait for Rbcpay to confirm the buyer's funds are secured
Never ship on the promise of payment or a screenshot
Ship with an approved carrier and keep the tracking
Receive payment once the buyer approves, with no chargeback risk

What to have ready

Most first transactions stall on a missing detail rather than anything complicated. Having these to hand makes the first one straightforward.

Government issued photo identification
The legal name and email of the other party
A clear description of what is being bought or sold
The agreed price and currency
Who is paying for delivery, and by which carrier
How long the buyer has to inspect
Who pays the Rbcpay fee, or whether it is split

Work out the fee first

The fee is shown to both parties before the transaction is funded, and who bears it is something you and the other party decide. The calculator shows the exact figures for buyer pays, seller pays and split.

Terms worth knowing

Transaction terms

The written record both parties accept before any money moves. It decides the outcome if anything is disputed later.

Inspection period

The agreed window in which the buyer checks what arrived. It starts from a documented delivery, not from dispatch.

Release condition

What has to be true before funds are released. Usually buyer approval, sometimes automatic after inspection, sometimes by milestone.

Milestone

A stage in a larger job with its own deliverable, value and approval, so payment follows completed work rather than a single handover.

Approved carrier

A carrier whose tracking and delivery confirmation both parties can verify independently.

Dispute

A formal issue raised before approval, with evidence, reviewed against the terms both parties accepted.

Stay safe from the first day

Always

Keep every message and document inside the transaction
Verify the other party before you commit
Use an approved carrier with tracking
Inspect before you approve
Raise concerns before the inspection window closes

Never

Pay anyone directly outside a Rbcpay transaction
Act on new payment or delivery instructions sent by message
Share your password or a one-time code with anyone
Ship on the promise of payment or a screenshot
Approve a transaction you have not inspected

⚠ Payments made outside a Rbcpay transaction carry none of the protection described on this site. Read fraud prevention

Where to go next

How it works

The full five step process, start to finish.

Fee calculator

Work out the exact fee before you commit.

Payment options

Every accepted method and where it applies.

Approved carriers

Carriers accepted for physical shipments.

Fraud prevention

The warning signs and what to do about them.

Common questions

Answers to what people ask most often.

Questions people ask on day one

Does it cost anything to create an account?

No. Creating an account and receiving your Rbcpay account number costs nothing. A fee applies to a transaction, and who pays it is agreed by the two parties before the transaction is funded.

Why do I need to verify my identity?

Because the other party is doing the same. Verification on both sides is what makes it far harder for anyone to operate anonymously, and it is a large part of why a stranger is willing to transact with you at all.

Can I start a transaction with someone who has no account?

Yes. You can invite the other party by email when you create the transaction. They register, verify and join it before anything is funded.

Who decides the inspection period?

Both parties, before payment. There is no single fixed length, because checking a domain transfer and checking a vehicle are not the same job. Agree it while you are still setting terms rather than after delivery.

What happens if I am not happy with what arrives?

Do not approve. Raise the issue inside the transaction before the inspection period closes, with your evidence. The outcome follows the terms both parties accepted at the start.

Can I use Rbcpay for services rather than goods?

Yes. For services the deliverable, the acceptance standard and the review period are recorded the same way, and longer jobs can be split into milestones so payment follows completed work.

Is my transaction private?

Your transaction record is visible to the parties to it and to Rbcpay. How information is collected, used, retained and shared is set out in full in the Privacy Policy.

Ready to set up your account?

Creating an account takes a few minutes and costs nothing. You can set up your first transaction as soon as both parties are verified.

Rbcpay is a marketplace transaction platform, not a bank, trustee or escrow agent. Account availability, verification requirements, payment methods and transaction procedures vary by jurisdiction and by transaction type.