Trust shouldn't depend on who you're dealing with.

Verification helps establish confidence in the people participating in a transaction. Depending on the transaction, risk level and applicable compliance requirements, Secuora may require additional information before certain actions can be performed.

• Email verification
• Mobile verification
• Identity verification where required
• Business verification where applicable
• Account security
• Additional verification for higher-risk transactions

Sellers provide structured information about the item before the transaction proceeds, using category-specific forms that reduce ambiguity and make important information visible to the buyer.

• Product category
• Model
• Year
• Condition
• Serial number
• Ownership evidence
• Receipts
• Certificates
• Photographs
• Category-specific information

The more clearly an item is documented, the easier it is for both parties to understand exactly what is being transacted. Different product categories may require different information.

The Evidence Locker gives a transaction a structured record of what was represented, what was agreed and what happened during the transaction.

• Item photographs
• Serial-number photographs
• Videos
• Receipts
• Certificates
• Proof of ownership
• Buyer inspection evidence
• Delivery information
• Transaction messages
• Other relevant documents

Where Secuora integrates with a third-party payment or escrow provider, applicable transaction funds are handled according to that provider's payment, holding and release processes.

1. 01
   Buyer
2. 02
   Payment / Escrow Provider
3. 03
   Protected Transaction Funds
4. 04
   Transaction Conditions
5. 05
   Accept / Dispute
6. 06
   Release / Refund / Applicable Resolution

Transactions move through defined states and controlled actions. Important transaction actions only become available when their required conditions have been satisfied.

1. 01
   Transaction created
2. 02
   Transaction accepted
3. 03
   Terms & item information confirmed
4. 04
   Shipment / courier preparation
5. 05
   Buyer funds transaction
6. 06
   Funds protected
7. 07
   Delivery / handover
8. 08
   Buyer inspection
9. 09
   Accept or dispute
10. 10
    Transaction completed
11. 11
    Applicable funds released

Secuora may use risk controls to identify suspicious behaviour.

• Account monitoring
• Transaction monitoring
• Identity inconsistencies
• Suspicious payment activity
• Unusual transaction behaviour
• Repeated disputes
• Multiple-account abuse
• Attempts to bypass Secuora controls
• Suspicious transaction patterns

When something goes wrong, a dispute can be raised. Possible reasons include:

• Item materially differs from description
• Item is damaged
• Item is incomplete
• Item was not received
• Suspected counterfeit
• Ownership concerns
• Incorrect item
• Material breach of the transaction agreement

1. 01
   Problem identified
2. 02
   Dispute raised
3. 03
   Transaction protected according to applicable rules
4. 04
   Evidence reviewed
5. 05
   Resolution
6. 06
   Applicable release / refund / other outcome

Buyers receive a structured process for reviewing the transaction before applicable funds are released.

• Item information
• Seller-provided evidence
• Transaction terms
• Delivery / handover status
• Inspection period
• Accept functionality
• Dispute functionality

Secuora is designed to protect both sides. Sellers are not simply expected to trust that a buyer will pay or accept the item — the transaction creates a structured record of the agreement, fulfilment and relevant evidence.

• Structured transaction terms
• Documented item information
• Evidence submission
• Transaction history
• Delivery / handover records
• Proof of fulfilment
• Protection against unsupported claims
• Defined dispute processes

Secuora is not a courier. Where supported, it integrates the applicable courier workflow into the transaction — courier selection, shipment creation, shipping cost, tracking information, delivery status and handover information.

The buyer should not be required to make a separate payment directly to the courier where shipping is included in the Secuora transaction. The courier remains responsible for the physical delivery service; Secuora integrates the applicable courier workflow where supported.

Secuora does not allow transactions involving prohibited or illegal activities.

• Weapons
• Illegal goods
• Counterfeit goods
• Fraud
• Cryptoassets
• Gambling
• Ponzi / pyramid schemes
• Human trafficking
• Prohibited financial activity
• Other restricted products / services

Additional restrictions may apply based on our payment, escrow, banking, compliance and courier partners.

• Secure authentication
• Two-factor authentication where available
• Session management
• Access controls
• Security monitoring
• Suspicious-login detection
• Account recovery
• Data protection

Secuora collects and processes information necessary to operate the platform and protect transactions.

• Create accounts
• Facilitate transactions
• Verify users
• Prevent fraud
• Process payments
• Manage delivery information
• Resolve disputes
• Provide customer support
• Comply with legal obligations