Trust & Safety

Trust, built into every contract.

Identity verification on every account. No upfront charge — you're only charged when you approve the work. Dispute resolution backed by a documented signature event.

Where PayWelly is available

Available across most of the U.S.

PayWelly runs on a nationwide compliance scaffold. Most states are open for automatic onboarding today; in a handful of higher-classification-risk states we hold onboarding until additional review clears.

Not available everywhere yet

PayWelly is available in most U.S. states. In select states we’re completing additional classification and compliance review before opening. Enter your details at signup and we’ll let you know the day your state opens.

Availability is determined per state once the classification posture, payment-services requirements, and 1099 filing rules are cleared in writing.

The Substance

What ‘trust’ actually means at PayWelly.

Every claim below maps to something we already ship — Phase 1 + Phase 2 are on disk. No aspirational badges.

Stripe Identity verification — required before any work

Every contractor and business completes Stripe Identity verification (a government-ID document check) before posting or applying. We don't run the verification — Stripe does. Verification state is the canonical gate across web, iOS, Android, and admin.

Stripe IdentityRequired at signupSingle canonical gate

No upfront charge — pay only when you approve

Your card is saved when you hire, but there's no upfront charge. You're only charged when you approve the completed work, and the contractor is paid in the same step. PayWelly never holds your funds and is not the merchant of record for the underlying work.

ESIGN-Act clickwrap signature event

When you click Accept, we record your signed-at timestamp, IP, user-agent, and the SHA-256 hash of the exact PDF you signed. In-platform clickwrap is ESIGN-valid per 15 USC §7001.

Provider address stays masked until the contract is signed

PRIV-02 invariant: a provider's exact street address is masked on their public profile until both parties have signed the engagement contract. Trust isn't a feeling — it's a code-enforced rule.

When something goes wrong

Disputes are simple, because nothing is charged early.

Most engagements close cleanly. If you cancel before you approve the work, you're never charged — there's nothing to dispute. After a completed charge, disputes follow Stripe's standard refund process.

Before you approve the work, no charge has happened — so if the engagement falls through or you cancel, there's nothing to refund. You're simply never charged.

After you approve and the charge completes, either party can raise a concern through PayWelly within 7 days of engagement end. PayWelly facilitates resolution between the two parties, and any refund follows Stripe's standard refund/chargeback process. Both parties submit context (messages, deliverables, timestamps) and our team reviews.

Filing a dispute through PayWelly does not waive either party’s right to pursue legal action.

PayWelly is not a court.

Our dispute process resolves payment and completion questions. For severe issues (fraud, harassment, safety concerns) escalate to team@paywelly.com and we'll respond as soon as we can.

Ready to send a contract?

Free to sign up. No upfront charge — the first time you'll pay anything is $19.99 + 15% when you approve your first contractor's completed work.