How It Works

The seller selects the type of offering — be it a physical product, digital product, or service — they wish to sell and receive payment for.

The seller creates a secure smart contract detailing the product or service, including delivery information, and provides a payment link that is sent to the buyer.

The buyer can directly open the link at pay.stopia.se/paymentcode or enter the payment code on pay.stopia.se, select a delivery address, and proceed with the payment. Stopia captures the payment without charging the buyer, securely retaining the funds until the product or service is acknowledged as completed by the buyer.

The seller receives an SMS notification that the payment has been processed. They can now package and ship the product or carry out the service and mark it as completed.

The buyer has one week from the seller marking the product or service as completed to collect the item or evaluate the service.

Should the buyer deem the transaction complete, they are to mark it accordingly.

Stopia securely captures the funds and finalizes the payment to the seller.

In case the buyer encounters any issues or has complaints, Stopia initiates a dispute and gathers information from both the seller and buyer regarding the situation.

Both the buyer and seller have one week to respond. Our AI Bot then assists in analyzing the case, and a comprehensive summary is compiled and sent to our case handlers who decide on the rightful recipient of the funds.

The buyer and seller are given one week to express their views on the decision. If additional information comes to light, the process may be reinitiated. Otherwise, the payout is executed in favor of the party with the most substantial evidence and legal entitlement to the funds.