Customers won't pay first. Contractors won't work first.
TrustLayer holds their payment under a full refund guarantee until they confirm the job is done.
Runs on its own. No migration. No monthly fee.
Protection ledger
LiveWater Heater Replacement
Panel Upgrade
Garage Door Spring Repair
Commercial Lock Installation
AC Condenser Repair
Held at JPMorgan Chase
Funds under protection sit at a top US bank for the full protection window.
Full refund guarantee
Returned to the customer's original payment method, every time.
Nothing releases on an open issue
While a customer has flagged a problem, the money stays put.
The problem nobody names
Every home service job starts with a standoff.
Your customer does not want to hand money to someone whose work they have not seen. You do not want to send a truck for someone who might dispute the charge next month. So the industry works around it: deposits, progress payments, three phone calls and an unpaid invoice.
Those are not solutions. They are ways to split the risk in half and hand each side a piece.
TrustLayer removes the standoff instead of splitting it.
What your customer gets
A guarantee you can put on your own website.
From the moment your customer pays, their money sits under protection with a full refund guarantee to their original payment method. Not a promise you make. A fact about how the payment works.
The guy down the street has Satisfaction Guaranteed painted on his van. If his customer is unhappy, their only real move is calling the bank. You can show yours what the words actually mean.
Your payment is protected
Your payment for Job #ATL-2847 is held under a full refund guarantee until you confirm the work is done to your satisfaction.
Trusted by home service operators
Every job ends one of three ways
Three outcomes. No surprises.
Your customer taps confirm. The money releases to your tech instantly and the approval record files itself: who confirmed, when, which job, with the photo attached.
Nothing auto-releases. The money stays protected. Your tech gets 24 hours to respond with a fix. If that does not settle it, you decide, and you can split the money however the situation warrants.
Nobody responds in 24 hours. The payment releases and the non-response is logged. You are never waiting on a customer to get paid.
Who it's for
Built for businesses running 10 or more techs.
If your techs close jobs in the field and you find out about problems after the money is gone, this is for you.
Plumbing, HVAC, Electrical, Locksmith, Garage door, Pest control, Restoration, Roofing, Cleaning, Appliance repair, General contracting, and any trade where a tech closes the job in the field.
What the standoff costs today
A chargeback is the receipt for a trust failure.
PLACEHOLDER: Across ScanPay merchants, X% of tickets end in a dispute. Replace with the real figure before launch.
81%
of customers say filing with their bank is easier than calling the business.
PayCompass 2025
~75%
of disputes are first-party fraud: a real customer, a real charge, real work, disputed anyway.
Chargeflow and PayCompass 2025
Every one of those was a customer who was unhappy and never told you. They had no route back to you that was easier than the bank. Now they do.
Read the full argument →Fits how you already run
Nothing about your current setup changes.
TrustLayer pulls your jobs from the platform you already use. Scheduling stays. Dispatch stays. Invoicing stays. TrustLayer handles the money and the confirmation, and that is all it handles.
No migration. No IT project. No monthly fee.
Early access
We are onboarding a limited group of brands.
Open to US home service businesses running 10 or more techs. We onboard selectively and work directly with each team.
Apply for early access