Completo
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SafePay trust account · Completo never holds your money

Pay only when
the job's done right.

You pay into SafePay. Your money stays in a SafePay trust account until you approve the work. Completo never touches your funds. The contractor gets paid when you approve: no chasing, no paying upfront. The workmanship is the contractor's; the money stays put until you say so.

Post a job. It's free See how it works
Free for homeowners Paid per milestone, once you approve Funds stay in trust until you approve
Completo SafePay
Geyser replacement, Moreleta Park
Held in trust
Awaiting your approval
R 12,000
Work marked completeReleases on your approval
Funds paid into trustR 12,000
Contractor completed workToday
Inspect & approve: 5 daysYou
How SafePay works

Four steps. You hold the keys.

From posting a job to releasing payment, the money only moves when you say the work is right.

Step 01

Post your job

Tell us what needs doing. Get quotes from verified contractors in your area.

Step 02

Choose & pay

Pick the contractor you trust and pay the quote into SafePay. It's held in a trust account.

Step 03

Work gets done

The contractor does the job. You inspect the work. No rush, no pressure.

Step 04

Approve & release

Happy? Click approve and the contractor is paid for that milestone. If you don't respond within 5 days, the milestone is approved automatically. Not happy? Don't approve, and the money stays in trust while we facilitate. We don't certify the work.

Why you need SafePay

The deposit you never get back.

You know how it usually goes. You find a contractor. They ask for a deposit, sometimes 50%, sometimes the full amount upfront. You pay. Then the work starts late, or it's not what you agreed on, or they disappear halfway through. Now you're chasing someone who's not answering their phone, and your money is gone.

SafePay fixes that. The money sits in a SafePay trust account, run independently of us. Completo never touches your funds. The contractor sees the money is there, so they show up and do the work. You see the money is safe, so you don't stress.

SafePay is payment protection built for home services: funds sit in a SafePay trust account. No lawyer stack, no weeks of setup. You pay in, work gets done, money releases when you approve. Think of it as a handshake backed by actual rules.

"It's a handshake that's backed by actual rules: the contractor shows up, and your money stays safe until the work is right."

No upfront deposit risk. Funds are held, not handed over.
Paid per milestone once you approve the work.
Stays in trust if there's a problem, until it's resolved.
SafePay vs paying directly

Two ways to pay. One protects you.

 
Paying directly
SafePay
When does the contractor get paid?
Immediately, before work starts
When you approve the completed work
What if the work is bad?
You chase the contractor. Good luck.
You don't approve, and the money stays in trust
What if they disappear?
You lose your deposit
Funds stay in trust: nothing releases without you
When is the money released?
Whenever the EFT clears, if it clears
Per milestone, once you approve the work
Who holds the money?
The contractor
A SafePay trust account
Paper trail
WhatsApp messages & EFT receipts
Job record, approvals & issue timeline
Non-payment risk
Real, and yours to carry
Funds stay in trust until you approve
Built for South Africa

Made here, for how we actually live.

Not a Silicon Valley product air-dropped into Bryanston. SafePay was built because we know how it feels to hand over R12,000 for a geyser and wonder if they'll show up. Completo is live in Pretoria East first; Johannesburg and Cape Town are coming soon.

Johannesburg

Copper theft and hard water mean you're calling a plumber every 18 months. SafePay means you pay when you've checked the work and approved it, not before.

Cape Town

The drought changed how everyone thinks about water. SafePay means the leak-detection cost is only released when you approve the work.

Pretoria

Builders are in high demand and short supply. SafePay means your R50,000 renovation deposit isn't gone if the builder takes another job halfway through yours.

And yes, it works during load shedding. The approval system is mobile-friendly and runs on basic smartphones. If Eskom takes the lights out, you can still approve the job and get your contractor paid.
What contractors need to know

Never work for free again.

SafePay isn't just for homeowners. When you work through Completo, you know the money is there before you start: no "I'll EFT you next week," no "the bond hasn't come through." The funds are verified and held in trust. You finish, the client approves, and you're paid for that milestone. If the client doesn't respond within 5 days, the milestone is approved automatically.

For contractors
Per milestone
paid out each time your client approves work
5 days
max inspection window, then milestones auto-accept
R0
in fees: you keep 100% of your quote
100%
of funds verified & held before you start
If something goes wrong

A fair process, written down.

Every job comes with a 5-day inspection period. If something isn't right, the money stays put until it's resolved.

5 days

When the contractor marks work complete, you have 5 calendar days to inspect, approve, or flag a problem.

Take no action and the milestone is automatically accepted: funds release on day 5.

  • Flag the problem

    Flag the issue on the platform with a description, supporting evidence (photos, messages) and your proposed resolution. The funds for that stage stay in the trust account: nothing is released until you approve, both sides agree, or a binding order says so.

  • Completo facilitates

    We contact both parties within 2 business days, review all the evidence (job scope, photos, in-app chat) and issue a non-binding recommendation within 5 business days. It's advisory; we don't adjudicate.

  • Both parties respond

    You each have 5 days to accept or reject the recommendation. If both accept, the funds are released from the trust account accordingly.

  • If facilitation fails

    Disagreements under R20,000 go to Small Claims Court; over R20,000 they go to AFSA for binding arbitration. Funds only release on written agreement from both parties or a binding order.

Each party bears its own legal costs, and the trust account provider's fees remain payable regardless of outcome. Completo's role is limited to facilitation: we don't adjudicate and accept no liability for the outcome. The SafePay process is governed by the trust account provider's terms of service.

Regulated & protected

Your money, in a real trust account.

A registered trust account

The SafePay trust account is registered and run independently of Completo. Funds are held in trust, never by Completo.

Held in trust

Your money sits in a ring-fenced SafePay trust account, protected even if something were to happen to Completo.

POPIA compliant

Compliant with POPIA and standard South African financial regulations for trust account services. Completo facilitates: it never touches your funds.

Questions

SafePay, answered.

How does SafePay work?
When you post a job and accept a quote, you pay into SafePay. The funds are held in a SafePay trust account, and Completo never touches your money. The contractor does the work, you inspect and approve, and once you're happy funds are released. No chasing, no paying upfront. And if you're not happy, you don't approve.
Is SafePay free for homeowners?
Yes. SafePay itself costs homeowners nothing: the 3.5% service fee is built into the platform, so you see the full job price upfront with no hidden fees.
How long does it take to get my money back if something goes wrong?
You flag the problem within the 5-day inspection period and the funds for that stage stay in the trust account: nothing is released while the issue is open. Completo facilitates: we review the evidence and issue a non-binding recommendation within 5 business days. If both parties accept, funds are released accordingly. If facilitation fails, disagreements under R20,000 go to Small Claims Court and those over R20,000 go to AFSA arbitration. Funds only release on written agreement from both parties or a binding order.
What's the difference between SafePay and a credit-card chargeback?
A chargeback means fighting the bank after the money's already gone. SafePay means the money never reaches the contractor until you say the job is done: funds stay in trust until you approve, both sides agree, or a binding order says otherwise.
Does SafePay cover emergency jobs?
Yes. Even emergency bookings go through SafePay. When a geyser bursts at 10pm you're not in a position to shop around. SafePay means you're still protected, and the contractor gets paid when you approve the work, not when they answer the phone.
Is SafePay regulated?
SafePay runs on a registered trust account. Funds are held in that SafePay trust account, not in Completo's bank account: Completo never touches your money, it only facilitates. The trust structure protects your funds even if something happens to Completo, and the service is compliant with POPIA and standard SA financial regulations for trust account services.

Get payment-protected quotes.

Compare quotes from verified contractors. Your money sits in a SafePay trust account, never with Completo, until you approve the work.

Post a job. It's free See pricing