How money moves on HandyConnect.

Customers may use an available online payment method supported by Stripe. For an online payment, the Customer authorizes HandyConnect (through Stripe) to charge the approved amount and any disclosed fees. A Customer and Handyman may instead choose cash in the HandyConnect contract. Cash must be paid directly to the Handyman for the approved final invoice amount and recorded through the job's in-app confirmation flow. A cash record is not a Stripe charge, a bank transfer, or proof that HandyConnect received the money.

For online jobs, the payment timing shown in the job flow applies. Stripe processes the online charge and any applicable transfer or refund. For cash jobs, HandyConnect does not capture funds: the Customer pays the Handyman directly, and both parties confirm the payment in the app. HandyConnect does not provide escrow for either method.

Online payments may include a disclosed per-job platform fee and card processing costs. A cash job selected and recorded in the app has no per-job HandyConnect platform fee or Stripe processing fee. Any separate subscription fee still applies according to its own terms. Collected platform fees are non-refundable except where explicitly stated in this policy or required by law.

For an online payment, the Handyman’s portion is transferred through Stripe Connect, less applicable fees, refunds, chargebacks, taxes, or adjustments. Payout timing follows Stripe’s schedule and depends on its verification and risk review. For a cash job, the Handyman receives payment directly from the Customer; HandyConnect does not issue a cash payout, and the app's payment record is not a Stripe payout receipt.

Online refunds may be issued in the following situations: (a) the Handyman cancels before any materials are purchased or work is performed; (b) the Handyman fails to show up and does not reschedule within a reasonable time; (c) a dispute is decided in favor of the Customer under the Dispute Resolution Policy; (d) a payment was captured in error; or (e) HandyConnect determines, in its sole discretion, that a refund is appropriate to maintain trust on the Platform. Refunds may be full or partial depending on the work completed, the contract, the in-app evidence, and applicable law. For recorded cash, any repayment must be arranged directly between the Customer and Handyman; HandyConnect cannot refund or reverse cash it never handled. HandyConnect does not guarantee refunds for dissatisfaction, buyer’s remorse, work or payments outside the recorded job, or issues outside the signed scope.

Approved online refunds are returned to the original payment method. Card refunds typically post within 5 to 10 business days, though timing depends on the issuing bank. ACH and wallet refunds may take longer. HandyConnect platform fees, Stripe processing costs, and other pass-through costs may or may not be refunded depending on the situation, applicable law, and the written refund decision. For cash, the Handyman is responsible for any agreed or legally required repayment directly to the Customer; HandyConnect cannot initiate it through Stripe.

When a Customer receives a refund for a job paid online, HandyConnect may reverse, debit, offset, or hold the related Handyman payout through Stripe Connect or future payouts to recover the refunded amount, chargeback amount, dispute fee, processing cost, or platform loss. By accepting jobs and payouts through the Platform, Handymen authorize these reversals and offsets. If funds have already left Stripe, recovery may depend on Stripe, card-network, banking, and connected-account rules.

Tips added to an online payment, when available, are passed through to the Handyman, less applicable processing fees. Tips are voluntary, are not required, and are not part of a platform fee.

Customer cancellations after a contract is signed may be subject to the cancellation fee disclosed in the contract. Handyman cancellations after a contract is signed may be subject to a no-show or late-cancellation fee, which can be deducted from future payouts. Specific fees and timing are disclosed before each contract is signed.

If a Customer initiates a chargeback through their card issuer, HandyConnect (working with Stripe) will review the dispute and may submit the in-app evidence, including the contract, messages, photos, signatures, receipts, and timestamps. The card issuer or card network ultimately decides the chargeback. If the chargeback is upheld, the disputed amount and related fees may be deducted from the responsible Handyman’s payout or recovered from a future payout, unless HandyConnect determines the chargeback was caused by platform error. Customers are encouraged to use the in-app dispute workflow first when practical, but nothing in this policy limits non-waivable cardholder rights under applicable law or card-network rules.

Customers are responsible for any sales or use tax on the services they purchase, where applicable. Handymen are responsible for income, self-employment, and any trade-related taxes on their earnings. HandyConnect or Stripe may issue tax forms (such as 1099-K or 1099-NEC) where required by law.

All transactions on the Platform are denominated in U.S. dollars unless otherwise indicated. Foreign-card or foreign-bank fees, FX fees, and similar charges are between you and your bank.

Payment questions can be sent to support@handyconnect.us.