PAYMENTS
Payments
Payments processed by e-Kwanza through e+ — with Secure Payment: funds stay protected with the regulated partner until confirmation, with a dispute window and anti-fraud.
What's included
Payment intents
A normalized payment intent, independent of the provider.
References and webhooks
Reference, due date and reliable webhooks per transaction.
Reconciliation
Explicit states: pending, paid, failed, refunded.
Fee transparency
Platform commission, processing fee and merchant margin, kept separate.
Idempotency
Idempotency key, timestamps and audit trail per transaction.
Refunds and chargebacks
States and assisted operation for failures and disputes.
SECURE PAYMENT
Escrow-style protection, from debit to delivery.
When money leaves the customer's account it doesn't vanish into a black hole: it stays protected with the regulated partner until the order is confirmed — with an open dispute window.
Protected funds
The amount is held with the regulated partner until delivery or service confirmation.
Dispute window
After the debit, the customer has a period to contest — merchant settlement only closes when the window ends.
ML anti-fraud
Per-transaction risk signals — patterns, device, history — scored by machine learning before settlement.
Assisted resolution
Disputes with mediation and traceable refunds, explicit states and an audit trail.
REGULATED PARTNER
Processing and settlement by e-Kwanza, through e+, with Banco BAI. VendasOS manages integration, reconciliation and experience — and never holds funds.