Customers won’t pay first. Contractors won’t work first.
TrustLayer holds the payment under a full refund guarantee until your customer confirms the job is done. Runs on its own — no migration, no monthly fee. For US home-service businesses running 10 or more techs.
Completion is a claim. Confirmation is an agreement.
Every field-service platform releases payment the moment a technician marks a job complete. Not one of them asks the customer. When the dispute comes, your bank asks for evidence the cardholder accepted the service — TrustLayer files that record for you, job by job.
Booked → Protected → Confirmed → Released.
One question to your customer. The money waits for the answer — and most confirmations land while the truck is still in the driveway.
Booked
The job comes in from the platform you already run — scheduling, dispatch and invoicing stay put.
Protected
The money is protected before your tech knocks, held safely for the protection window.
Confirmed
One message to the customer — “Is the work done to your satisfaction?” No app, no account, no login.
Released
Confirmed releases instantly, and the approval record files itself. Quiet jobs release at 24 hours.
No fourth state. No indefinite hold.
Money releases instantly; the customer’s approval record files itself against the job.
Nothing auto-releases. Your tech gets 24 hours to make it right; the owner can split the money if it comes to that.
No response? Funds release at 24 hours and the non-response is logged on the record.
Flagged jobs never auto-release. The tech gets 24 hours to make it right; if it escalates, the owner can enter two independent amounts — pay the tech X, refund the customer Y — and the approval record files itself either way. Ninety days later, a dispute response is an export, not an archaeology project.
The dispute math, from the industry’s own research.
Sources: PayCompass 2025 consumer dispute behavior survey · Chargeflow & PayCompass first-party fraud research, 2025 · Chargeback.io merchant win-rate analysis, 2026 · Chargeflow & Mastercard-Datos US chargeback volume projection, 2026.
Held, not spent. Recorded, not remembered.
Funds under protection are held at JPMorgan Chase for the protection window — not spent, not lent, and not moved. The window resolves exactly three ways; there is no fourth state and no indefinite hold.