Instant Contracts
Per-engagement contracts e-signed in under 60 seconds. Master ICA + state-specific addenda assemble automatically. PDF stored against the engagement record.
ESIGN ActState-SpecificPDF Stored
Hire 1099 contractors without the contract, W-9, and 1099 paperwork.
Send a contract in 60 seconds. Your card is saved when you hire — there's no upfront charge, and you're only charged when you approve the completed work. The contractor is paid in the same step. We collect every W-9 at onboarding and Stripe files your 1099-NEC at year-end.
PayWelly · Business
Active3
Pending$2,400
1099-NECOn
Event staff · SaturdayMaria L.
$640Hired
Light industrial · OvernightJamal R.
$1,120In progress
Housekeeping · 4-hrSara T.
$640Awaiting sign
- Stripe-Powered Payments
- Charged on Approval
- W-9 Collection Automated
- 1099-NEC at Year-End
- Live in 50 states + DC
Built on Stripe + IRS-compliant W-9/1099-NEC. Six states on Tier-1 waitlist (CA, NJ, MA, IL, CT, WA) — automatic onboarding holds until additional classification-rule review clears.
The Problem
Paying a contractor isn't one job. It's five.
Write a contract. Collect a W-9. Agree on terms. Pay only once the work's done. File a 1099-NEC by January 31st. Most businesses do steps three and four, skip the rest, and hope the IRS doesn't notice.
The average cost of getting it wrong at scale: a 2 a.m. text to your accountant in February. The cost of using PayWelly: $19.99 once, when you actually hire someone.
The Platform
One platform replaces four tools.
Stop juggling a contract template, a W-9 PDF, a payment app, and your CPA. PayWelly handles the full lifecycle in one place.
Charged on approval
No upfront charge. Your card is saved when you hire and charged only when you approve the completed work — or automatically after the review window. The contractor is paid in the same step.
W-9 Automation
Stripe Identity collects every W-9 at onboarding. You can't pay a contractor without one. Zero paperwork from you.
1099-NEC Filed for You
Every contractor crossing the $2,000 annual threshold gets a 1099-NEC filed automatically through Stripe.
Same-Day Payouts
Funds release same-day to debit card; 1–3 business days standard ACH. Choose the speed when you connect Stripe.
Engagement Hub
In-app messaging with masked phone numbers. Your contractors never get your cell. Nothing leaves the platform.
How it works
From hire to paid in four steps.
Step 1: Send the contract
Pick the contractor. Auto-fill terms. They e-sign in two taps. Master ICA + state addenda attach automatically.
Step 2: Hire the contractor
Your card is saved when you hire — no upfront charge. $19.99 + the contract amount + 15% is charged only when you approve the completed work.
Step 3: The work happens
Off-platform. Message in-app. Overtime requires your approval before it bills.
Step 4: They get paid. You’re 1099-ready.
Funds release same-day to debit card (1–3 business days standard ACH). Every payment counts toward their 1099 automatically.
The payoff
You’re paid the day they approve.
No invoices to chase, no “can you pay me another way?” The card saved at hire is charged the moment the work is approved — and the money lands in the contractor’s wallet the same day, with Form 1099-NEC handled at year-end.
- Built on Stripe Connect
- ESIGN-valid signatures
- Identity-verified
- Automatic 1099-NEC
- No upfront charge
Your shareable pro page
Your page. Your services. Your link.
Every contractor on PayWelly gets a public profile — your services, your rates, your booking link. Drop it in your Instagram bio, text it to a client, share it in a DM. They land on your page, send you a contract, and save a card on file — and you're paid the day they approve your work. You get the work and the 1099 at year-end. No chasing invoices, no “can you just pay me some other way?”
M
Example profile
Maya Chen
paywelly.com/@maya-chen
4.9
Wedding & event photographer · DC / MD / VA · Pro-grade gear, fast turnaround.
Event coverage (4 hr)$650
Wedding day (8 hr)$1,800
Editorial portrait$350
Share it anywhere.
Your link works in bios, DMs, texts, and emails. One link, every platform.
Clients book in a few taps.
They pick a service, sign the contract, and save a card on file — no upfront charge. You get notified instantly.
You stay in control.
You set your rates, choose your services, and decide who you work with. PayWelly handles the paperwork.
Why not a payment app or enterprise payroll?
The simplest contracts-to-payouts loop in the US.
| PayWelly | Payment app + DIY | Enterprise payroll | |
|---|---|---|---|
| Per-engagement ICA + state addenda | Supported: Auto-generated | Not supported: You write it | Partial: Templates (subscription) |
| W-9 collection | Supported: Required at onboarding | Not supported: "I’ll get it later" | Partial: Manual upload |
| Charged only when you approve the work | Supported: Built-in | Not supported: None | Partial: Limited |
| 1099-NEC filing | Supported: Included | Not supported: You + your CPA | Partial: Add-on |
| Pay only when you hire | Supported: $19.99 + 15% | Not applicable: n/a | Not supported: $$$ / contractor / month |
| Built for | Supported: US SMBs paying 1099s | Partial: Friends & side income | Partial: Global remote teams |
PayWelly is built for the U.S. business paying 1099 contractors per engagement — the bar owner paying three bartenders, the agency paying eight freelancers, the event company paying a different chef every Friday.
One account
One account. Both sides of the table.
You won't always be the contractor. Sometimes you'll be the one hiring. PayWelly lets you do both from the same account — flip the sidebar to Post, write a contract, hire a sub, pay them through the same wallet. Same W-9 on file. Same identity. Same workflow.
Active
Work
- Browse contracts in your area
- Send private offers from your profile
- Get paid into your same wallet
- 1099-NEC issued at year-end
Tap to flip
Post
- Write a contract in 60 seconds
- Hire a contractor on the same platform
- No upfront charge — pay only when you approve the work
- Same identity, same wallet, same W-9
Pricing
$19.99 + 15%. Pay only when you approve the work.
No subscription. No monthly minimum. No upfront charge — your card is saved when you hire and charged only when you approve the completed work.
$19.99 + 15% — posted-contract & corporate
When a business posts a contract on PayWelly and accepts a contractor: $19.99 platform fee plus 15% commission, charged only when you approve the completed work. No upfront charge.
15% only — public profile bookings
When a client books a contractor straight from their paywelly.com/@yourname page: 15% commission on engagement pay. No platform fee.
No subscription
No monthly minimum. No seat fees. Contractors always keep 100% of engagement pay; the client pays the fee.
For Multi-Location Operators
One dashboard. Every location. Every 1099.
Franchise groups, regional operators, and multi-site businesses. Roll up every contractor, every contract, every 1099 across your locations into one ledger — without giving every local manager admin access.
All Locations, One Ledger
Live view across every site. See who's been hired, who's been paid, and who still owes a W-9 — by location, region, or rolled up.
Unified Tax Reporting
One 1099 export across every location. No more chasing each GM in January for their contractor list.
Roles That Match Reality
Owners see everything. Regional managers see their region. Local managers see their site. No accidental cross-site exposure.
Already have a corporate account? Sign in here
FAQ
Three questions you’re probably about to ask.
15% sounds steep. Is it really worth it?
A staffing agency markup is 35–60%. A CPA preparing 1099s charges around $50 per form. PayWelly's 15% includes the contract, the W-9 collection, the in-app messaging, identity verification, same-day payouts, and the 1099-NEC filing — all-in, and you're only charged when you approve the work. The math works if you're paying a contractor more than about $200 and care about not getting audited.
What if my state isn't covered yet?
PayWelly is live in a growing list of U.S. states and DC. Sign up to confirm coverage for your state — most enrollments today are landing within weeks. If your state is on our Tier-1 waitlist (the highest-classification-risk states where we hold automatic onboarding until additional review clears), we'll email you the day it opens.
What if I'm already using QuickBooks Contractor Payments?
Keep using it for long-term retainer contractors. Use PayWelly for one-off and short-term engagements where you need a contract, charge-on-approval payments, and a 1099 — the three things QuickBooks can't do natively.
Who files the 1099-NEC?
Stripe files 1099-NEC for any contractor crossing the $2,000 annual threshold. You see year-to-date totals in your dashboard so there are no January surprises.
Are PayWelly contractors employees?
No. PayWelly is not an employer, staffing agency, merchant of record, or labor broker. Every engagement is governed by a purpose-built Independent Contractor Agreement.