Payments
Payment processing
The Town Works uses Stripe, and may use other regulated payment providers, to process payments and payouts.
Payment information submitted through Stripe is handled according to Stripe’s own terms and privacy practices. Depending on the payment architecture used for a particular provider, that provider may maintain a connected Stripe account and may have a direct contractual relationship with Stripe. Stripe may require identity, tax, business, bank-account, ownership, or other information before enabling payments or payouts. Town Works cannot override Stripe’s verification, risk, compliance, or prohibited-business requirements.
Platform fees
Any Town Works fee associated with a transaction will be disclosed clearly before the participant confirms that transaction — see costs. Town Works may receive an application fee or other disclosed platform fee through Stripe Connect.
Payouts
Payout timing depends on the payment method, Stripe account status, risk review, bank processing, weekends and holidays, and other circumstances outside Town Works’ direct control. An estimated payout date is not a guarantee that funds will reach a bank account at that exact time.
Payment processors may delay or restrict payments or payouts when verification information is missing, a transaction is disputed, fraud is suspected, or applicable rules require additional review.
Chargebacks and payment disputes
Cardholders and financial institutions may initiate disputes or chargebacks under applicable network rules. Town Works may ask participants to provide evidence concerning the transaction, including the work agreement, messages, photographs, receipts, delivery evidence, or completion acknowledgments.
The ultimate outcome of a bank or card-network dispute may be controlled by the payment processor, issuing bank, card network, or other financial institution rather than Town Works. See refunds and disputes for how we handle these.