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Getting paid

How payouts work: Stripe Connect, the platform fee, and payout timing.

Overview

Move Gigs Board pays through Stripe Connect. Every completed move triggers a payout minus the 10% platform fee. This article covers setting up Stripe, understanding the payout formula, seeing your earnings, and troubleshooting delays.

Why this feature exists

Stripe Connect gives you direct payouts to your bank without the platform ever touching your funds long-term. It is faster, safer, and complies with 1099 reporting requirements automatically.

Before You Begin

  • Approved mover status
  • Government ID, SSN or ITIN, and a US bank account
  • 10 minutes for Stripe's onboarding

Step-by-step instructions

1. Open /mover/stripe

The Stripe card shows your connection status. Click "Connect with Stripe".

What happens next: you are redirected to Stripe's hosted onboarding page.

2. Complete Stripe onboarding

Enter legal name, DOB, SSN, address, and bank routing/account numbers.

What happens next: Stripe verifies within minutes for most movers. Your stripe_accounts row is created with charges_enabled = true and payouts_enabled = true.

3. Verify connection

Return to /mover/stripe. You will see a green "Connected" badge and your default payout method.

What happens next: future move payouts route to that bank automatically.

4. Understand the payout formula

For a completed move at rate R with hours H, your gross labor = R × H. Platform fee = 10% of gross. Fuel reimbursement (if applicable) is added on top and not fee'd. Company compensation splits (if you are on an agreement) come out after platform fee. Final payout = (gross labor × 0.90) + fuel − company share.

What happens next: every completed move's calculation is visible in /mover/earnings.

5. Track earnings

On /mover/earnings, see: pending (moves completed, payout in flight), released (in Stripe balance), paid (in your bank), plus year-to-date totals.

What happens next: Stripe typically deposits to your bank in 2 business days after release.

6. Get tax documents

Stripe issues a 1099-NEC in January if you earned $600+ in the year. Available in your Stripe dashboard.

What happens next: you file as self-employed income.

Helpful Tips

  • Set up direct deposit to a business checking account if you have one.
  • Watch /mover/earnings weekly to catch anything stuck in pending.
  • Save 25–30% of every payout for taxes.

Common Mistakes

  • Wrong SSN. Stripe blocks payouts until fixed.
  • Bank account in someone else's name. Stripe rejects. Use your own account.
  • Ignoring Stripe's request for documents. Payouts pause until responded to.

Troubleshooting

  • "Payouts disabled" on `/mover/stripe`. Click "Manage on Stripe" and check the alert — usually a document request.
  • Move completed, payout stuck pending. Customer has not released and 72-hour auto-release has not hit. Wait.
  • Bank not receiving deposits. Check the routing/account in Stripe. Ask your bank about incoming ACH.

Frequently Asked Questions

When do I get paid? When the customer taps Release, or 72 hours after completion (auto-release). Then 2 business days to your bank via Stripe.

What is the platform fee? 10% of gross labor. Fuel reimbursements are passed through 100%.

Can I get paid in cash? No. All payouts run through Stripe for tax and dispute protection.

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