Payment Information
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JobHub uses Stripe Connect to securely process all payments between clients and contractors. This ensures full compliance, automatic record-keeping, and a smooth payout experience for everyone involved.
Processing Fees
When a client pays by credit or debit card, a 2.9% + $0.30 processing fee is added to their total (calculated to ensure you receive the full invoice amount). Contractors receive the full invoice amount in their payout. Stripe deducts its standard processing fees from the client's payment—not from the contractor's earnings.
This means if you invoice a client for $1,000, they will pay approximately $1,030.61 (including processing fees), and you will receive the full $1,000 in your payout.
Lower-Fee Options (ACH Payments)
Clients can pay directly from their bank using ACH transfers. When clients choose ACH, contractors absorb the processing fee (0.8%, capped at $5), so clients pay the exact invoice amount with no additional fees.
When clients click "Pay Now" on a payment request, they'll see a payment method selection screen in JobHub where they can choose between card or ACH payment. Card payments include a 2.9% + $0.30 fee added to the invoice, while ACH payments have no fee to the client (the contractor covers the fee). The exact totals for each option are clearly displayed before selection.
Once a client selects their payment method, they'll be redirected to Stripe Checkout where only the selected payment option is available. For ACH payments, contractors receive the invoice amount minus the processing fee.
ACH Verification & Setup
ACH setup is handled entirely by the client during checkout. You can send invoices immediately—whether a client can use ACH on their first payment depends on their bank verification status.
What to expect: If a client's bank supports instant verification (they select their bank from Stripe's list and log in), they can pay with ACH immediately. If their bank isn't listed or they prefer manual entry, they'll need to wait 1–2 business days for micro-deposit verification before their first ACH payment can be completed.
Once a client verifies their bank account once, all future ACH payments are instant-ready. Clients who need to pay immediately can use a credit or debit card and set up ACH for future payments.
Payouts
After a client's payment clears, funds are automatically transferred to the contractor's connected bank account via Stripe. Most payouts arrive within 2–3 business days.
You can view all payout details directly in your JobHub dashboard or on your connected Stripe account.
Security & Compliance
All payment data is encrypted and handled exclusively by Stripe. JobHub never stores or has access to your bank or card information. Stripe is a PCI Level 1 Service Provider, the highest level of payment security certification.
Questions
Need help with a transaction or payout? Contact our support team at support@jobhubpro.io or review your Stripe dashboard for details.
Last Updated:
Your contractor uses Stripe Connect to securely process all payments. This ensures full compliance, automatic record-keeping, and a smooth payment experience for you.
Processing Fees
When you pay by credit or debit card, a 2.9% + $0.30 processing fee is added to your total (calculated to ensure your contractor receives the full invoice amount). This fee covers the cost of securely processing your payment through Stripe. Your contractor receives the full invoice amount—the processing fee is separate and only applies to your payment method.
For example, if your invoice is $1,000, you will pay approximately $1,030.61 (including processing fees), and your contractor will receive the full $1,000.
Save Money with ACH Bank Transfers
You can save on processing fees by paying directly from your bank account using ACH transfers. When you choose ACH, your contractor covers the processing fee, so you pay the exact invoice amount with no additional fees.
For larger payments, this can result in significant savings. For example, on a $1,000 payment:
- Credit/Debit Card: $1,000 + $30.61 = $1,030.61 (you pay the fee)
- ACH Bank Transfer: $1,000.00 (no fee to you, contractor covers the fee)
How it works: When you click "Pay Now" on a payment request, you'll see a payment method selection screen that shows both payment options with their exact totals. Simply select "Pay with ACH (Lowest Fee)" to use bank transfer. With ACH, you pay the exact invoice amount—your contractor covers the processing fee, so there's no additional cost to you.
After selecting ACH, you'll be redirected to Stripe Checkout where only the bank transfer option is available. You'll pay the invoice amount exactly, with no fees added.
ACH Bank Account Verification
Before you can make your first ACH payment, your bank account must be verified. Stripe offers two verification methods:
Instant Verification
If your bank is listed in Stripe's system, you can verify instantly by selecting your bank and logging into your online banking. Once verified, you can pay with ACH immediately—no waiting required.
Manual Verification (Micro-Deposits)
If your bank isn't listed or you prefer not to log in, you'll need to enter your routing and account numbers manually. Stripe will then send two small test deposits (a few cents each) to your account within 24 hours. These typically appear in your bank account within 1–2 business days.
After entering your bank details, Stripe will email you a verification link. Once the micro-deposits appear in your account, you'll need to:
- Check your bank account for the two small deposits
- Click the verification link in the email from Stripe
- Enter the exact amounts of both deposits
Once you submit the correct amounts, your bank account will be fully verified and you can use ACH for all future payments.
Important: ACH payments cannot be completed until verification is finished. If you need to pay immediately, use a credit or debit card and set up ACH verification for future payments. After your first successful verification, all future ACH payments are instant-ready.
Your contractor is informed about ACH verification and timing. If you have any questions or concerns about setting up ACH payments, please reach out to your contractor directly.
Payment Processing
When you're ready to pay, click "Pay Now" on any payment request. You'll see a payment method selection screen where you can choose between card or ACH payment. Both options show the exact total you'll pay, including fees, so you can make an informed decision.
After selecting your payment method, you'll be redirected to Stripe Checkout to complete the payment securely. The checkout page will only show the payment method you selected—if you chose ACH, only bank transfer will be available; if you chose card, only card payment will be available.
Most payments clear within 1–2 business days for credit/debit cards, and 3–5 business days for ACH bank transfers.
You can view all your payment history and receipts directly in your payment dashboard.
Security & Compliance
All payment data is encrypted and handled exclusively by Stripe. JobHub never stores or has access to your bank or card information. Stripe is a PCI Level 1 Service Provider, the highest level of payment security certification, ensuring your financial information is protected.
Questions
Need help with a payment? Contact your contractor directly through the messages feature, or reach out to our support team at support@jobhubpro.com.