Billing Policy

This Billing Policy outlines our payment terms, processing procedures, and refund standards at Mzima Homes. All commercial transactions on our platform are governed by the strict accounting principles and double-entry ledger audits described below.

1. Integrated Gateways and Payments

Mzima Homes supports secure, direct transactions using Safaricom M-Pesa (via the Daraja API) and other credit/debit options. All payments made towards property reservations, onboarding verification fees, or service fees are recorded in real-time in our secure accounting system.

2. Real-Time Ledger Reconciliation

To guarantee absolute financial integrity, our database leverages a secure double-entry ledger system. Every billing event generates a corresponding debit and credit, audited instantaneously to prevent data drift, billing errors, or double-charging. You will receive an automated digital receipt and transaction log immediately upon successful processing.

3. Reservation Deposits and Escrow

When reserving a plot or home on the marketplace, the buyer submits a reservation deposit. This deposit is placed in a secure, RLS-protected escrow vault under Mzima Homes' custody until property title verification and land registry due diligence checks are complete.

4. Refunds and Disputes

If a transaction fails to progress due to verification issues, title inconsistencies, or seller cancellation, the reservation deposit is fully refundable to the purchaser according to our escrow agreement. Support-related billing disputes are reviewed by our compliance officers within 3 business days.