1. Either buyer or seller enters the transaction into the Safefunds system. It is addressed to the other member.

2. Buyer and seller negotiate until both agree to the terms and conditions.

3. Buyer deposits the necessary funds into his Safefunds Account and commits the amount necessary for the transaction. Deposits are made by bank wire, electronic funds transfer, or check (checks must be drawn on a U.S. bank).

4. Seller sees the funds reserved for him. Seller knows the payment is secure. Seller sends the item or provides the service described in the transaction.

5. Buyer receives the item or service. Buyer releases the control of the funds to the seller.

6. Seller withdraws his funds from his Safefunds Account either by electronic funds transfer (inside the USA), international wire transfer (outside the USA), or by check.

BOTH buyer and seller have been fully protected. Buyer did not release the funds until he received the item. Seller knew the funds were secure, before sending the item; there could be no payment fraud or chargeback.

If a disagreement arises, the Safefunds system includes complete dispute resolution service.